vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX .    XXXX , TX  XXXX  Ditech Mortgage Account #  XXXX  Dispute I am having problems of mismanagement, fraud, and harassment from Ditech Financial LLC in regard to Mortgage Account #  XXXX .   We used to have our mortgage wit h Ditech Financial,  and in  XXXX   XXXX , we refinanced our mortgage from Ditech to another lender ( initially  XXXX   XXXX   XXXX , which then transferred it to  XXXX   XXXX   ).  At the time, we were provided a payoff, which was fully paid, and the refinancing was completed.   Soon after that, in  XXXX   XXXX , Ditech contacted us saying they had done an error in their calculation of the payoff. They had applied {$1800.00} as part of a Federal program to my account in error and they needed me to pay this amount back. I agreed to pay this and close the account.   Howeve r, Ditech de cided to keep my mortgage ( with a principal balance that sometimes states {$0.00}, and others {$1400.00}  ),  as well as the related escrow account, open so now it seems I have  XXXX  mortgages on my house. Also, Ditech started to pay through the escrow for Hazard insurance on my house,  and county tax es, which were at the same time being paid by my current mortgage company,  XXXX   XXXX .   And now Ditech wants me to pay them more than {$10000.00} to cover the payments that they made in error. So, they started with a small error of {$1800.00}, and continued to do more errors to more than {$10000.00}. They are demanding I pay these amounts, harassing me on the phone to pay them, lowering my  credit score a nd making it more difficult for me to get a car loan.   I made several payments to cover the initial {$1800.00} I agreed to pay, b ut Ditech, for some reason, keeps my payments in suspense and doesnt apply them to my account.    I am attaching several statements from Ditech, and from my current mortgage company,  XXXX , providing more information.     I have communicated on the phone several times with Ditech customer service. I was given different and contradictory information on many occasions. I was also told that they will investigate my account and solve the problem, but never got back to me.   The latest example of this irresponsible behavior was my phone conversation in  XXXX  with the Ditech supervisor  XXXX   XXXX   ( Extension  #  XXXX   ).  He noticed the irregularities in the Ditech handling of my account, and he promised he will investigate this and call me back. We even scheduled a time when he was going to call me and clarify things but he never called again.   I dont know what to do about this. I am pleading for your agency to help me with this case of I believe is mismanagement, fraud and harassment.    XXXX ,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen p rocessed a loan modification in  XXXX     2015 for a  property that I purposed with my ex-husband without my signature. I signed  a Quit Claim D eed however it was not filed with the lender or the municipality. The loan is currently in default and I can not buy a home because of th is. Is it m y understanding that you need a signature to process a mortgage. I want my name removed from the mortgage since I did not agree to  it. Ocwen is  now under investigate for this type of behavior.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ;  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Equifax  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I 've contacted Transunion and  XXXX  on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure Transunion and  XXXX  can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with Transunion and  XXXX . The FRAUDULENT inquiries are as follows ;   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Transunion  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

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 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA has been trying to collect on  XXXX  accounts from  XXXX   XXXX  that I do not owe.  XXXX  account was for {$100.00}  (  which was a   XXXX   XXXX   that my insurance covered ). The  XXXX  balance was also covered under insurance, but I also made an agreement that in exchange for the check they sent they would delete the {$34.00} balance from my credit reports and show that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
So, my loan was transferred/sold from  XXXX   XXXX   XXXX , whom by the way ... were a class act ... .now with  1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with  1st In vestors, i speak with Agent  XXXX   XXXX  -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager  XXXX   XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all  XXXX  Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out,  XXXX  says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the  XXXX , today is  XXXX  ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about  XXXX  ... ... i advised  XXXX  that i would be filing this complaint, and there is nothing she did to keep from doing this.

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 monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have previously submitted compliant  XXXX  about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines.     In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on   X/XX/2017     without ever providing me with notice. I had informed the  Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the  CD for the new  close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday  XXXX  or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint  XXXX  and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement.     Furthermore, it was discovered on  XX/XX/2017    Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued  XX/XX/2017    in order to close on  XX/XX/2017     Navy Federal  attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on  XX/XX/2017    with higher rates than it advertised despite the fact that the current agreement would not expire until  XX/XX/2017   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
I have a private loan with sallie mae. I fell behind because I lost my temp contract job. When I initially called to explore options, they wanted me to pay {$50.00} for forbearance application. I explained that I did n't have {$50.00}. They told me to borrow the money or they ca n't help.     Since then I paid {$600.00} and then called again to explain that my temp job ended ahead of time. They keep harrassing the cosigner despite being told that the cosigner is  XXXX  and had no source of income.     In an effort to get them to stop the harrassing, I asked them to call me rather than the cosigner. When they refused, I told them not to add my number to the system. They refused and now they 're also harrassing me.     I ca n't make payment without a source of income. I also have loans with other companies who have been more understanding than this greedy company without any compassion whatsoever.     I gladly pay my monthly bill when I was working . 2 yrs wi th no problems. They 're welcome to keep harrassing me but the fact is they wo n't be getting payment until I have a steady job. Threatening to ruin my credit history was also a nice touch.     I just want them to stop calling my mother all the   XXXX   time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I 've contacted  XXXX  and Equifax on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure  XXXX  and Equifax can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with   XXXX   and Equifax.   The FRAUDULENT inquiries are as follows ;  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I never got a bill for the debt of  XXXX  from original creditor .also added 18 % interest to bill.I only found out when I got my credit reports, contacted GLA collection co.inc.rote them for all medical records, only received the bill with interest added an original creditor name,  XXXX   XXXX    XXXX    XXXX , no a dress, a account number. I also read they could only get original amount. their address is  GLA collection co Inc,   dept. #  XXXX    XXXX   XXXX    XXXX   XXXX , Ky XXXX .-phone : XXXX .my email is  XXXX   XXXX     XXXX   XXXX    thanks,  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date :  XXXX   XXXX ,    XXXX   Fac t : A deposit of a court check of the amount {$160000.00} was deposited in my Chase Bank checking account #  XXXX  ( Exhibit A & Exhibit B.  Yet ( 1 ) Th e money was never credited to my account "  XXXX    XXXX    XXXX , the Trust of  XXXX  ''  ( 2 )  The original check has never been returned to this depositor.   (  3 ) Soon Chase c losed my checking account in  XXXX   XXXX .   (  4  ) Expert on recovering funds wrote that the originator of the check --  XXXX   XXXX   Court has cashed the check. ( Exhibit C )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
In  XXXX    XXXX   we contacted  XXXX   XXXX  to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager  of the local office,  XXXX   XXXX  got involved he personally had technicians come out and get our services up and running. This took a total  of 7-8 wee ks of frustration and consistent calling on our behalf to get it done.      XXXX  gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all.     They are attempting to collect the " outstanding balance '' and uses  XXXX  to come after us for it. After we detailed the trouble we had the first two months with  XXXX  they refused to continue collection efforts.  XXXX  now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.

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