vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I purchased my home in  XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was  XX/XX/XXXX . In  XX/XX/XXXX , I contacted the Illinois  Hardest Hit Fund  program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign.  Ditech  's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois  Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois  Hardest Hit agent   XXXX   XXXX  in the  XXXX  office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation.   Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing  Ditech i nstructing them to accept the payments from Illinois  Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech .  The dates that I have sent letters and faxes are  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have asked for an appeal as is my right with Illinois  Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit reporting agency in violation of FDCPA, FCRA, STATE AND FEDERAL laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed twice under my credit bureau by  XXXX  different companies which is portfolio recovery as well as  XXXX   XXXX . Portfolio recovery reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NJ

Complaint narrative:
I applied for a loan through  XXXX .  Them the y said they were going to send my request to many lenders but they only sent it to one which was  XXXX . They are predatory lenders. I did n't sign any agreement with them but they are constantly calling and sending emails trying to get me to sign a loan for 774 % .I am not very educated but do know that in know way is this a legitimate way to borrow money. I would be better off going to a loan shark. Something needs to be done about these predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed   XXXX   under my credit bureau by  XXXX  different companies which is   XXXX   XXXX   as well as capital one.   XXXX   XXXX   reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Representative calls every other day and harasses me for payments. I graduated 3 months ago and am still looking for employment. I decided to pay a forbearance payment to stop the calls only to have them call me 3 days later with the same script. I tell them I paid a forbearance. The representative tells me I am wrong while I am looking at my confirmation of forbearance. I tell her that I have the proof and I am looking at it. She says I am wrong and continues with the script. I tell her I do n't wish to speak with her so she puts me on hold and calls for a manager who proceeds to tell me that she did not lie to me. He acknowledges that I made a forbearance, tells me the representative said nothing wrong, and continues to ask me for a payment. Complete harassment and incompetence at the highest level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SecurityNational Mortgage Company
State: TX

Complaint narrative:
I closed on my conventional loan 1 year ago this month. 2 weeks ago I was notified of a payment hike to my mortgage payment due to intentional escrow shortage by my mortgage company. <P/>I believe this is a case of mortgage fraud. <P/>I ca n't afford to make this payment now for the next couple of years while my escrow ( s ) try and catch up. <P/>Please help me right this wrong. I do n't want to lose my home. According to my title company ( and they proved this via email they recently sent me ) the accurate tax information was sent to the mortgage co.a month prior to my closing. Mortgage disregarded this information. The form they used a few days before I closed, clearly does not reflect school taxes plus both counties. Also, I paid my home owners insurance in full when I closed. This really makes my debt ratio way off now and since closing on this loan, I made other financial commitments therefore. <P/>Based on what I have seen with the documents I have, I believe they did this intentionally so that I could be approved. <P/>11 months have gone by with no one telling me I have an enormous escrow shortage! <P/>Let me know what other documents you need from me. <P/>Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a result of the financial crisis in  XXXX , I was hit hard after just purchasing a home. I got married in  XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two  XXXX  credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.   The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my  credit score. I hi red an attorney to help me with this. The attorney pointed out that th e Statute of L imitations had expired on both accounts since my last payments on both accounts were in  XXXX . I filed disputes with the  three credit bureaus. One removed the two   XXXX  accounts from my file. Two others,  XXXX  and Transunion, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I attended XXXX College in XXXX WA from XXXX. My school loan was for approx XXXX. I was awarded a federal pell grant, which paid  everything except XXXX which I was responsible for paying ; I paid that in full. My loan was handled by Navient loan Servicer. For some reason they took my XXXX tax return of XXXX out of my bank account directly. I was given this number by the IRS XXXX and told to call them to find out why they are taking my tax return money. I did so, the XXXX number was a debt collector agency and would not discuss any details with me ; they were only able to tell me that I owe the " US Department of Education '' {$16000.00} for a school loan that I had n't paid. <P/>My student loan was paid in full inXX/XX/XXXX; between my pell grant and my personal payments of {$2000.00}. <P/>There is absolutely no reason why I should have over {$16000.00} dollars worth of school loan debt! <P/>This XXXX number representative also told me that the US Department of Education had sent me bills for this debt - which is false ; they did n't even have my correct address on file! I have never received any sort of bill for this debt and it is a wrongful debt not owed by me ; still they unknowingly took my entire tax refund from me. That money was for my XXXX young daughters. How can I replace that income lost that I rightfully earned!? <P/>I also checked my credit report with XXXX and XXXX - this debt is not on my credit report anywhere ; most liked because it was added falsely and recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachment for one of The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with XXXX county to get these errors resolve in a timing matter. They are hindering me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: NV

Complaint narrative:
CalAtlantic is the most incompetent group of people have I ever dealt with and despite being six months aft er closing I am still hassling once a week with their mistakes and incompetence. During our  XXXX   XXXX  closing, we paid dues to our master association of {$150.00} and a capital contribution to the master HOA of {$500.00}. The closing statement also shows {$620.00} paid for  XXXX   XXXX   XXXX ,  2017  dues to the local association and a capital contribution of {$150.00}.     None of those amounts have been properly distributed to the proper HOAs. The master association has received none of the money. The local association received {$650.00} of the {$770.00} we paid but it 's not clear what that was for. There is a likelihood that CalAtlantic should pay {$150.00} to the master but no body knows.     They are refusing to answer the questions to both myself and to the various associations. Maybe they intend to keep the money, which would n't surprise. It 's amazing this group of complete incompetents can continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A ccount number : I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  60 days XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have spent hours trying to resolve an issue with my business account at Santander Bank. I have talked to several corporate professionals and each of them have passed my complaint along without giving me the information I am owed as a consumer. On XX/XX/XXXX, I received a letter from XXXX XXXX as a response to my memo to the corporate office on XX/XX/XXXX bringing closure to the case without answering my initial complaint. <P/>In summary, someone changed the address of my business account without my permission. My initial inquiry as to why I could not access my account led to the Bank professional in the office I first opened out the account suggesting I may have changed it and forgotten. I am outraged. <P/>The bank has informed me that they have no idea how this occurred, can not locate the signature card someone filled out to change my address, can not locate the teller or bank professional who made this change and have offered me XXXX Credit for one year. I am already a member of XXXX XXXX. I find this unacceptable. <P/>I deserve to know how this change was made, who made the change and the bank has an obligation to protect my account and not allow such a change to be made without any accountability of safeguards in place to trace such a change. I have been told those records are only kept for several years and they have no way of tracing such a change. I am certain if I went to court and the record was subpoena they would produce the computer generated information. Clearly, fraud has been attempted and I think it is internal to the bank. This is not the first time my account was compromised and I want a real answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I received a copy of my credit report on  XXXX   XXXX ,  2017  and notice Ally Financial were listed a agency that sold the debt to a collection as stated on the report and I am not responsible for this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Platinum Holdings Group, LLC
State: TN

Complaint narrative:
worldwide assets has been garnishing my wages since   XXXX  -17, i do not know what im paying for .called the number my company gave to me. it is unlisted. my company said it was for  XXXX  have paid  XXXX  the case number is  XXXX . could you please help me find out what this is for or im beening scamed into paying., have not went to court or notify by mailed by company. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Received an e-mail offering  XXXX  bonus points after spending {$500.00} wi thin three m onths.   I spent more than {$500.00} and the bank awarded my just  XXXX  points.   When I inquired, was told that offer expired the end of  XXXX ,  2017 .   Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my insurance - XXXX XXXX XXXX - paid XXXX XXXX XXXX {$100.00} for services. <P/>On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent to Equifax a collection item of {$100.00} On XX/XX/XXXX, my Equifax FICA score had dropped 60 points because of this collection item. <P/>I received no notification from the Debt Collector or XXXX XXXX that they were trying to collect this item from me. <P/>After a series of phone calls, XXXX XXXX confirmed the item was paid and provided the check number, we relayed this information to all parties involved, including Equifax We believe all parties involved XX/XX/XXXX up, violated the law by not notifying me of the collection - while I suffered the humiliation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax,  XXXX  and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On  XXXX   XXXX , I pulled my credit report with  XXXX  and all   XXXX   credit agencies came up. However when a mortgage lender pulled it.  XXXX   XXXX   XXXX  and  XXXX   XXXX  pulled it, both said that Transunion is not showing on my account. I contacted Transunion on Friday  XXXX   XXXX  and Monday  XXXX  to discuss and they advised that I am registered with them and should have a score due to their system having a score. I advised them that I do not have a score after trying numerous times. Not sure what to do but I am looking to open a home loan but t his one problem is preventing me from proceeding with get a home loan. Please help Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation