vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech financial continues to scam their customers. Recently, they raised my late fees from XXXX dollarsa few months ago to $ XXXX the last few months and now it is $ XXXX I just found out on their website. They have never notified me of the increasing late fees. They increase the late fees at will, in order to make you appear to be behind on a payment or not have paid a " full payment '' so that they can put the payment in unapplied funds. How high will they be allowed to randomly increase late fees? It used to be that a late fee was part of the contract I signed with my mortgage company and enver increased. With Ditech though, they will increase the late fee significantly whenever they feel like it. They have harassed me with things of this nature ever since they took over my loan from XXXX XXXX XXXX. They are harassing me now because I filed bankruptcy and they want me to do a modification. I will not do a modification. I gave them one chance for that and they played games by refusing to send me a form I needed to fill out. They also can know that I will not do a modification that is more than 30 years and will not lower my interest rate. They are wasting paper. I do not believe they should be able to increase a late fee randomly like that without notifying me in writing. Nor should they be able to increase the late fee to make a payment amount incorrect. Also, they purposely scam people on their statements being inaccurate. Currently, they are unlawfully holding $ XXXX in unapplied funds because I was unaware my late fee went from $ XXXX to $ XXXX. Still, the $ XXXX is more than the $ XXXX and should be released. They constantly rip me off on my mortgage interest deduction by holding finds in unapplied funds, unlawfully. Please hold them accountable for violating the law. Also, they should not be allowed to raise late fees on a monthly basis. This is XXXX  and I hope Ditech company XXXX and XXXX XXXX XXXX XXXX XXXX where they belong. XXXX, Cheats, frauds. Also, I am supposed to speak with reps in the bankruptcy department. They are never there, nor do they ever return phone calls. I do not believe these reps are actual people. Many times their voice mailboxes do not work. I have not once ever received a call back from these people that I am REQUIRED to talk to. I highly suggest they get their XXXX in their office and on the phone if they are not fake identities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
This debt collector American Recovery Service Incorporated XXXX XXXX XXXX has been harassing, demonizing, stalking and threatening me for years. It appears that they are part of a criminal racket which is money laundering for drug cartels. i : have indicated to XXXX that i : never borrowed any monies from whoever they claim that i : borrowed money from. In fact, recently, i : did an investigation and found out that my identity has been stolen. When i : saw that there are XXXX different types of my name XXXX not a single XXXX being correct ] has been used with my SSN to economically damage me, i : reported that to police and to FTC. i : also send several debt validation and verification to these people or their co parties agent XXXX XXXX ) principle XXXX XXXX ). They never ever validated nor verified the alleged debt. Moreover, i : have demanded that these debt XXXX to send me their particulars to wit : XXXX License, XXXX, XXXX XXXX and XXXX XXXX so that i : can mitigate my economic losses that they continue to cause me, i : want to be able to make several claims against their particulars, Id but they are concealing those in criminal violation of XXXX XXXX XXXX XXXX Concealment ] while they continue to unlawfully damage me and my family. Please have these criminals stay away from me and my family, as far as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 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: CA

Complaint narrative:
TransUnion Closed the disputes as valid and failed to remove the accounts that were fraudulent and they claimed they verified the accounts and provided me no such proof. This is by law a violation. I 'm attaching the documents that they have not responded to timely and are in violation of the law and I will be pursuing lawsuits unless they remove the accounts.

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 2017-08-27 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: CA

Complaint narrative:
By law Equifax has XXXX to provide valid signatures on all accounts being disputed. they failed to do so. they now are in violation and will be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
At first the company was called XXXX XXXX. I needed help with making payments to private loans. They would n't help me by lowering the payments. I could n't afford {$400.00} a month in payments. 

XXXX XXXX went bankrupt and Navient took over. They said I couldnt use any XXXX options or anything. I tried to explain to them in XXXX I was out of work and coouldnt make payments. They would n't work with me, I could n't afford {$660.00} a month. They kept calling my family, my friends and me to collect the money. They got my new job number and kept calling their too. I told them once again I needed help with payments but didnt offer options. 

For years they have been reporting to my credit bureau negativity. I cant buy a house or anything and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I had a mortgage broker pull my credit to determine how much home I could afford. While reviewing my credit history it revealed that my student loans with XXXX had not been consolidated and there were in forbearance instead of showing that I 'm in a XXXX based repayment. I have been on the XXXX for the past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am concern that my escrow analysis is incorrect and I need someone outside the mortgage company to review it. I know about the XXXX escrow payment of the total needed during the year and XXXX cushion amount of the total amounts needed for the year. My escrow payment is XXXX and the XXXX cushion is XXXX. But I already have XXXX in escrow and they are demanding an additional XXXX which is more than a XXXX dollars over the XXXX cushion by years end. I spoke to the escrow analysis team and they claim it is an addition just in case. My taxes last year were XXXX and my hazard insurance was XXXX which is a total of XXXX. My current escrow is XXXX. With the additional escrow of XXXX. The XXXX XXXX XXXX. Brings my account over the legal limit as prescribed by federal law. I need someone in your department to take a look at it and check the calculations of the mortgage company. Your time and consideration is greatly appreciated The lender is CITIMortgage.

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 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX {$830.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2200.00} I send the merchant iknowlodgment of latter for canceled service and refunds my full amount, chase credit card Dispute department refuses to credit or issues my refund back to my card and delay the process and send me Computer standard generated respond Same respond to all the disputes without any no response from the motion and the show is a valid charge XXXX credit card services is not working the right consumer right and hoping for me to give up my Dispute there for I need exercise my right with this practice credit card is is doning against it 's consumer chase visa credits card also threat to report my card or dispute resolution to the three report agency without my approval from me or discussed with consumer frist of any knowledge, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 2017-08-27 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done

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 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a public records on my credit report with Equifax stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted Equifax and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. Equifax continues to report false information. 
I 've also contacted the organization that Equifax claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent Equifax along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I am the durable power of attorney for my mother. She has XXXX XXXX and was declared by her doctors on X/X/17 to be incapable of conducting her own affairs. The doctor supplied documentation to that effect. That documentation as well as the POA paperwork was supplied to USAA where she holds a credit card account. Despite notations on her account that no changes are to be made without authorization by the POA, changes have been made on a daily basis per her request with no effort whatsoever to contact the POA. I have been told on multiple occasions that despite the supporting documents, she as a member, still has a right to authorize changes. This is catagorically incorrect. This is a woman who had the foresight to put measures in place while she was sound of mind, to see to it that she and her finances were protected-even from herself. Call center staff are making their own decisions with regard to the legality of the situation and are putting she and her finances at tremendous risk. I do n't know how to stop it since I have been informed that there is no way to eliminate her membership.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to 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 explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
There is a public records on my credit report with XXXX   stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX  and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX   continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX  along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: TN

Complaint narrative:
I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 2017-08-27 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: TN

Complaint narrative:
I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with XXXX XXXX. Not sure how they are authorized because in the disclosure it states the binding agreement is with XXXX XXXX, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 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: NY

Complaint narrative:
Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in XXXX yrs and XXXX delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not breath properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.

Company response to consumer: Closed with explanation