vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
The company placed a forced insurance policy on our account which is incorrect, we have a in place insurance policy. The company is attempted to cover this by saying we have a shortage in our escrow account. Our 2017 mortgage statement reflects a deduction for hazard insurance, which we pay by electronic debit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. <P/>When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. <P/>Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
Received bills from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on a procedure that my son had in XX/XX/XXXX. It takes sometimes 4 months to go through my insurance XXXX before they pay and then i get billed. I did not start receiving bills until toward the end of XX/XX/XXXX. When i received the bills i sent in a payment with a letter stating that i could only pay {$10.00} a month towards these bills at this time which the payments i sent in were for around $ 20ish dollars. They called and said i had to pay more than {$10.00} a month or they would turn me into collections. I told them to do what they needed to do but they can not bully me in to paying more than what i can afford. They still cashed my check and is turned me into collections. Collection agency called me. I told them i have been making payments. Not what they want but what i can afford. I have other medical that i am paying on in addition to my own medical needs. Bull City Collection Agency called today wanting to know if i could pay them off. Then asked for my son date of birth and was like so he is XXXX. He is not XXXX he is only XXXX. Like they are going to go after my minor child for a bill that i am responsible for and i am making payments on. So i called XXXX XXXX XXXX back and said if you want paid pull this account out of collections. I feel like Bull City asking if my son is XXXX like they are going to try and go after my son. i told Bull City i  am making payments on these accounts. They are ridiculous. My husband is a XXXX veteran. We do our best and can only pay what we can pay and i pay the medical. I never hid from the companies. i tried calling and making arrangements. They are wasting their money on collections agencies when im not going to give them any more than what i was and able to give. So my reward for paying what i can is it to affect my credit report negatively. Considering that i did not receive the final bills after my insurance paid until towards the end of XX/XX/XXXX and i still made a payment of what i could afford at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I 'm constantly being harassed and sought after over a debt that is not mine! I have disputed many of times and have been sent everything but a contract and proof of identification stating that the debt is mine!! This debt is not mine and I will like it removed from all credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
My Payment to Jared Galleria of Jewlery is due on or around the XXXX of each month. My husband and I both have accounts. I pay the payments online each month on or before the due date. Last month, the payment for my husbands account never cleared our bank when I expected it to. I called when I realized and they told me that the payment never cleared but that they could do the payment over the phone free of charge and would adjust my credit bureau from showing past due. I am meticulous about paying our bills and thought maybe I had just not hit the submit button. HOWEVER, today, I looked at my Jared account because my payment had n't cleared yet that I made on X/XX/17. When I pull up my account online it shows that I have a past due balance. Because of what happened with my husbands account last month, this month, I have been recording the confirmation numbers each time I make a payment on any of our credit card accounts to make sure I was n't making the error. When I called today, the CS person, XXXX, advised that they have been having system issues where they payments are not actually going through even though customers have a confirmation number. My concern is that at no time was I ever notified that there was an issue and Jared has not yet disabled their online payment system so there are likely other customers who are being charged late fees, having credit impacted, losing credit insurance protection etc. from having " late '' payments that are solely attributed to Jared 's online payment system not working correctly. XXXX told me that until further notice, we should call in and make payments over the phone. How are other customer 's supposed to know to do that if there has been no announcement or communication to customers?

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 2017-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX claims to have a valid transfer / assignment to our mortgage loan that complies to the National Mortgage Settlement Agreement. The allonge previously provided has an incorrect property address and does not contain the legal description of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was looking at my credit report as i am looking to purchasing a home, and there is a charged off account from  Cap One in th e amount of {$2200.00} that was opened in my name  XXXX / XXXX / XXXX  via phone/internet. It had a bill that was last charged  XXXX / XXXX / XXXX  and a last payment received on  XXXX / XXXX / XXXX . I am aware of none of this. I have tried repeated through mail and phone to correct this. I have asked for any verifiable proof bearing my signature. I keep getting a copy of a bill with purchases i never made and payments i never sent, but nothing containing a signature that can help me find out who opened the account and nothing that proves the account is mine. Meanwhile, the account is sitting on my credit report, inaccurately, ruining my credit and preventing me from purchasing the house i want. All i have asked is that it be removed from my credit report until there is some proof bearing my signature that I ever applied for or used this card. I am being unjustly accused of defaulting on a loan i never even applied for. This is defamation of character, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XX/XX/XXXX I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XX/XX/XXXX Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XX/XX/XXXX I resent the original request from XX/XX/XXXX to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XX/XX/XXXX I  received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XX/XX/XXXX requesting signed application ( ATTACHED ) 4. XX/XX/XXXX I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XX/XX/XXXX again Portfolio Recovery sent me the same letter sent on XX/XX/XXXX instead of sending me the fraud packet I requested on my previous letter to them on XX/XX/XXXX ( ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.

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 2017-06-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
THIS IS A REQUEST FOR A RE- INVESTIGATION. I HAVE NEVER LIVED OUTSIDE ALABAMA. I REPORTED TO EQUIFAX,  XXXX ,   XXXX    BACK IN EARLY  XXXX  THAT THERE WERE NUMEROUS COLLECTIONS ON MY REPORT THAT WASNT MINE. AFTER I RESEARCHED I FOUND OUT THAT SOMEONE IN ANOTHER STATE  XXXX   XXXX  NEVADA HAD OPEN UP SEVERAL ACCOUNTS UNDER MY NAME. I SUBMITTED TO EQUIFAX 17 YEARS OF STATE OF ALABAMA DRIVERS LICENSE. SURELY I CANT RESIDE IN  2  STATES. I ASK FOR REMOVAL OF ALL ACCOUNTS LINKED TO THE STATE OF NEVADA. EQUIFAX REMOVED SOME BUT NOT ALL. I AM ASKING THAT EQUIFAX REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I DID MY OWN INVESTIGATION AND ALL OF THESE ACCOUNTS WERE OPEN IN NEVADA WHERE I NEVER LIVED. THERE IS NO WAY THESE ARE MY ACCOUNTS. FOR THE  3RD  TIME PLEASE RE- INVESTIGATE AND REMOVE FROM MY CREDIT FILE. I RESIDE IN ALABAMA AND HAVE BEEN HERE 53 YEARS. NEVER VISITED THE STATE OF NEVADA. THESE CLOSED ACCOUNTS SHOULD BE REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, This is my third time faxing in a third party authorization.  One  was sent  XXXX , another  XXXX  and now  XXXX  I am attaching it on here too. I have done short sales with firth third bank in the past and they do not stop foreclosure until there is an approval. I can not be having these deals especially when the foreclosure is in  XXXX . Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX XXXX a consumer put a judgement against me and froze my bank account. Every time I call Citibank they tell me to call a number so I can unfreeze my account which Citibank and the office refuses to do so. Even though I 'm protected with the EIPA law

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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my Transunion credit report. I wrote to Transunion one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet Transunion continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.

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 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
One XX/XX/2017 I deposited a check from XXXX XXXX. At that time I was told the funds would be available in two days and they would release XXXX upon deposit by a lady name XXXX. However, when the funds were not available, I then went back to the bank and was told by XXXX there would be a ten day hold as suspected fraud. I asked for the check back so I could have XXXX XXXX wire the money they said it was too late. XXXX then informed me they could not give it back because it was sent to the Federal Reserve for Investigation and they automatically keep them for 10 days. I contacted the Federal Reserve, they told me this information was not true and advised me to contact you. Prior to contacting you, I called once more, spoke with XXXX and she also confirmed to me the check was sent to the Federal Reserve for suspected fraud that the check was not XXXX XXXX 's. ( I am sure the recordings will reflect my truth in this ) I informed her I was told by the Federal Reserve that was not correct the Federal Reserve does not do that. I told her XXXX XXXX offered to verify the check was theirs and she said they do n't call and verify nor do they accept phone calls. I told her XXXX XXXX offered to wire the money, they said that could not happen. I asked then if it takes at most 3 days most for the money to be put in the account why would they even consider holding it ten days? If it 's subitted to XXXX XXXX, they put the money in the account, it is obvious NOT fraud, so why hold it ten days? Why on top of that require after the funds are put in account, why require Proof of Payment? Sounds like a lot being done to hold on to a check. She said that was the guidelines set by you. There is no fraud, which is obvious, I know there is n't. XXXX XXXX has tried to help resolve this. I have NEVER had fraud nor committed fraud on my account. What is sounds like is they just want to hold the money for as long as they can to draw interest, if you think about it, if they do this to 5 % of their customers daily it can add up. This is not right, I do n't even have money to buy groceries right now or put gas in my vehicle. I am not rich, I live pay check to pay check. They are also requiring even if money released for XXXX XXXX to issue a proof the payment was taken from their account and said even when they do that it takes 48 hours. They did not tell me this when I deposited it on XX/XX/XXXX either. I know this all sounds so unbelievable you have to think there must be some sort of fraud or I have to be a bad person but there is no fraud and I am not a bad person. I have had an account with them, I did not use it much as I was laid off when my company closed but I have finally went back to work.

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 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC
State: OH

Complaint narrative:
I received a call from a  XXXX   XXXX  at  XXXX , stating that a case has been filed against me in  XXXX   County Court fo r some unknown debt. Upon checking the Clerk of Cou rts Online d atabase of filed cases nothing. I do n't know who these people are, who they purportedly represent. I just wish the CFPB would do their job and prosecute these people for their numerous violations  of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Convergent  XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute.   XXXX  They continue to forget the law as this is the 2nd time this company has done this to me.   XXXX  My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report.   XXXX  Convergent  XXXX  collection practices are illegal and are continually being used on the American people.   XXXX  I called the company to see what was the bill.   XXXX  I was told that the bill was for  XXXX    XXXX   and  XXXX .   XXXX  I have not received a right to dispute.   This bill has not been verified and validated.   I do not have a contract with Convergent  XXXX  I am in the process of buying a home, and getting my clearance to work.   XXXX  Remove this incorrect collection immediately.

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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I called Transunion on Tuesday,  XXXX   XXXX ,    2017  to have a temporary lift of my credit freeze so that an employer could check my credit. Transunion said that I would receive a pin i n 3-5 bu siness days because I never initially received a pin because the freeze was initiated through  XXXX . I have a pin for  XXXX  and  XXXX , but not Transunion. I called back on Wednesday,  XXXX   XXXX ,    2017  and asked to speak to a supervisor, then they said that it take s 5-7 bus iness days. Today is Thursday,  XXXX   XXXX ,  2017  and there is still no mail from Transunion. I really need to receive the pin to lift the freeze before I miss a job opportunity for lack of receipt of my pin.

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 2017-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went to XXXX XXXX College in 2007. I withdrew after one month of school. <P/>I am pursuing an XXXX degree and i received information from The Dept of Education that Navient/XXXX XXXX placed a student loan from 2007 in default. I called XXXX XXXX/Navient at phone number XXXX. I advised them I have not received any communication about these loans and I did n't receive notification of default. The loans are not shown on my credit report either. She advised me I would have to call Pioneer credit because the loan was sold and if I was a clearance letter I would need to pay XXXX because the loan had collected over 9 years of interest. <P/>I would like to know why I never received notifications about this debt and all of a sudden I was put in default after 9 years. <P/>I was advised Financial aid covered my tuition at XXXX XXXX College. Per the school board there is no balance owed.

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