vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
This is a disputed response to previously filed claim against Paymap and Western Union CFPB Complaint Number XXXX. 

Paymap issued a stop payment for the re-issued check in the amount of {$520.00} after it was deposited XX/XX/2017. My bank issued a notice of returned deposited/cashed check due to return reason : Stop Payment by Paymap Inc. Attached is the stop payment notice I received from my bank. I was not able to collect promised amount due to the above reason thereby I am disputing Paymap 's response. I called Western Union/Paymap 's Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX but there was no one to answer my call despite several trials. 

I am formally submitting a compliant to have Paymap re-issue the payment of {$520.00} in the form of Cashiers Check issued to the correct pay to the order of : XXXX XXXX as originally disputed on claim. Mail payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2017 Ditech Financial LLC received ( via certified mail ) a request from me regarding payouts that had been made from my account : # XXXX. It has been 38 days and they have not provided me with the information. They refuse to call me even though they assured me via email that they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: MO

Complaint narrative:
I was contacted by someone over the phone claiming they were going to sue me for committing fraud over a debt I used to have ( and have paid off ). He said that they would settle it outside of court for {$1800.00}, I told them no, and they put me on hold and came back saying they could do it for {$1200.00}. 

When I asked for it all in writing and proof they are legitimate, He got very angry and said he would not give anything in writing until I had agreed to pay this off over the phone. He then said the only way to pay it off is over the phone. I again said no, because it sounds like a scam, and he followed up saying that he would deliver the court papers to my address ( which he had an old address ) and proceeded to get angrier with every bit of information I was trying to gather to see if it was even legitimate. 

I have proof that I paid off this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : AARGON AGENCY Account number 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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account has reappeared on my credit file after being previously deleted. It has caused my credit score to drop dramatically.

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 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of predatory practices from XXXX. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX and XXXX attorney to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from Judge XXXX, attorneys XXXX, XXXX and XXXX.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, XXXX is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ XXXX monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the 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 2017-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
This account is listed under XXXX SUPERIOR COURT claims I have a driving ticket debt of {$1400.00}. 
This account is listed under incorrect middle and last name and a address I never lived at. Also states it was a XXXX in 2010. I do not recall owning a XXXX. Please investigate this debt it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: FL

Complaint narrative:
Yesterday, I received an initially alarming phone call from XXXX, stating : This is XXXX XXXX, we have received an order for 2 allegations to be filed against you immediately with the county clerk 's office. This department will be actively pursuing you at your place of employment and place of residence. You do have a legal right to ( unintelligible ) with the plaintiff outside of court. Please understand when you are located, you do forfeit that right. You can contact our legal department at XXXX. Refer to your case number XXXX You can reach us directly at XXXX or you may press O now to speak to a live agent. 
I had student loans, federal and private, which were paid off in the 20th Century. I had one loan for attending XXXX College, and another for attending XXXX School, both in NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TX

Complaint narrative:
XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.

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 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In 2013, my husband was in car accident and total lost our XXXX XXXX XXXX. The insurance appraiser came out to assessed the vehicle and settled the car as a total loss. I was notified by the insurance company that they settled the total loss payment with the lender. At this point, we were without a vehicle and driving a friend 's car. Following the accident, the GM Financial did n't give us an opportunity to purchase another vehicle ; therefore, we were with a vehicle. As of today, the lender GM Financial has continued to harass us for a vehicle that we no longer have in my possession. We have receive threatening phone calls and letters ; and have also reported negatively to ALL XXXX credit bureaus which is affecting my buying power. We no longer have any business dealings with GM Financial, however, this company has been haunting me about an issue that should have been resolved 4 years ago. At the end of the day, GM Financial has ruined my credit making it impossible for me to get another vehicle loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient Solutions claims to have paid XXXX for student loans in XX/XX/XXXX-XX/XX/XXXX. My records indicate that XXXX Consolidated loans from XXXX and XXXX which coincides with my records. XXXX has buying the loans from Navient Solutions. I did not receive a XXXX from this company for the tax years they claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: RI

Complaint narrative:
I PURCHASED XXXX JACKETS FROM MERCHANT. I RECEIVED XXXX JACKETS. 
I RETURNED XXXX JACKETS TO MERCHANT. THE WERE BILLED ON SEPARATE INVOICES. THEY WERE RETURNED IN SEPARATE BOXES. THEY WERE XXXX RECEIVED BY THE MERCHANT. I HAVE XXXX REFERENCE TRANSACTION ID 'S INFORMING THE CREDIT CARD COMPANY TO REFUND XXXX PURCHASES. 
THE CREDIT CARD COMPANY HAS REFUNDED ONLY XXXX PURCHASE AND I HAVE TRIED ON MULTIPLE OCCASIONS TO GET MY MONEY BACK. EACH TIME THEY DO AN INVESTIGATION THEY DENY THE XXXX REFUND

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was told today by your offices to file another complaint to try to force Wells Fargo to answer through your offices. The original CFPB Complaint number was XXXX, which was filed in XX/XX/2016. i will attempt to attach subsequent correspondence between myself and Wells Fargo via phone calls, E-mails and faxes in chronological order. Basically, all Wells Fargo has done is to stall by forwarding the information between California, Oregon and North Carolina and force me to keep answering the same questions repeatedly.

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 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient holds some of my federal and XXXX Personal loan that was originally with XXXX XXXX. As stated in the law suit against them in XXXX, I have had the same issues with them. XXXX XXXX and then Navient did not disclose other alternatives to repayment and just offered me forbearance. Also, my private loan which is now in default, I was never provided any options for repayment from the collection company. My loan was originally {$22000.00} give or take and ballooned to {$93000.00}. They told me I just had to pay in full, and at one time they offered me a pay off of {$25000.00}, which I would have taken given I had the means. They never offered me any payment options and continued to harass me to pay the full amount. My loan shows " charge off '' on my credit and with Naveint over the phone. But because Navient owns the collection company, they still show a balance, which makes no sense to me. I want to be included in the lawsuit against Navient because they have literally ruined my life and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX {$1200.00} was transferred out of my Wells XXXX checking acct illegally, without my authorization. It was deemed bank fraud by Wells Fargo. They have admitted that fraud occured on my acct. 
Wells Fargo still has not refunded me the {$1200.00}. I call every day and they tell me that " the credit was given to you, but you ca n't see it online. '' My balance does not reflect {$1200.00} being refunded in my acct. Wells Fargo is corrupt. Please help.

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 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
applied for a XXXX refiance told the person taking the application this was a XXXX/transport suv they said they do those kinds of loans as of XXXX..so went forward with the application..he said everything looks good credit score money in bank.platnum honors with bof a..then then denied me credit due to there historical experience with industry..they have not had any history for XXXX/commefcial loans i believe they should have decided on my ability to repay..see attached letter can they do that?

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 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was served by Midland Funding LLC. The person who Midland sent to give me my debt claim citation presented himself as an XXXX County Deputy officer. When I asked for his officer batch, he refused to show me his batch.

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 2017-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Credit Union Mortgage Association, Inc.
State: MD

Complaint narrative:
On XX/XX/2017 - XXXX referred my mortgage application to Credit Union Mortgage Association , Inc. for my VA Home Loan. Unknowingly, CUMA sends the mortgage to a 3rd party for underwriting. I provided them with all requested documentation the same day, answered all questions, etc. I had extreme difficulties obtaining replies as to the status of my loan with underwriting, finally after elevating the situation I was able to receive few answers. 1 week until closing, the loan was still in underwriting and they requested all new financial documents and additional information. Was informed after providing the documents the mortgage was out of underwriting and I would receive the HUD statement the next day. On XX/XX/2017 ( Friday ) at XXXX the HUD statement arrived with numerous errors ; corrected version sent to me at XXXX. Monday XX/XX/2017 I was informed the loan was back at underwriting due to a clerical error and new documents were forthcoming. Tuesday XX/XX/2017 ( settlement day ) mortgage documents were not available for title company until 30 mins prior to the assigned time. I was provided time by the settlement company to read the documents prior to signature to confirm accuracy. I signed all documents on XX/XX/2017 at XXXX. I was told the delays and errors are " My Personal Fault '' for not clearly stating the property was not a single family home, however was a duplex to which they consider rental property. Yes the house is a duplex, on all the contract I sent them clearly stated ( XXXX XXXX XXXX ). On XX/XX/2017 a XXXX Family Rider ( Assignment of Rents ) document was sent to the Settlement Company for my signature. The document states CUMA will retain legal rights to the " rental '' side and all modifications, upgrades, etc., require their permission to include any tenants will submit their rental checks to CUMA. I have not signed the document. I have sent an email and contacted CUMA regarding the additional document and I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: IL

Complaint narrative:
I received a mail from a debt collector called Windham Professional ( Phone Number XXXX ). The mail says I had an unpaid debt with another company called XXXX. Which I have never used.

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