vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX,  Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to  stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX,  who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
RE : Report # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX XXXX, Transunion ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: MO

Complaint narrative:
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
Make sure you read all of this or it will be detrimental to Southwest Credit Systems.
Notified debt collector about verification of debt. What was sent back does not verify that I XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report. Either the debt collector provides the correct validation ( bills do not show I owe the debt ) or I will file a law suit pursuant to the Fair Debt Collections act. Also please provide your companies attorney information so I may file the suit. Total legal amount not including damages is currently at {$3000.00} plus attorneys fees and I will win because the law states that so long as I am requesting verification and the collection agency has yet to follow the law I will automatically win. Also Southwest Credit Systems does not appear to be licensed to collect in the state of Tennessee. If this continues I will ask the courts for permission to sue outside the limits and I will sue for millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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  and this violates my rights as a consumer.

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 2017-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
In 2013 I applied for mortgage refinancing under the HARP program with Wells Fargo. After submitting the proper paperwork the loan was apparently approved, as I was assigned a closing date. Two days before the assigned closing date I was told the loan was denied.After several inquiries and receiving no information I called my Mortgage Consultant at the local NH office and finally received a letter indicating the reasons for denial, which read ( " Underwriting researched your request and due to Agency requirements and our investor ( XXXX ) the following has been determined. There is aproperty type discrepancy. The subject property is an age restricted community of manufactured homes. The original loan to purchase the property was produced as a Single Family non-manufactured home with no mentioned of the age restriction in the file or the fact it was in a PUD. If underwritten properly at the onset, the loan would not have been approved and can not be approved now since the combination is not acceptable to the Agencies ( XXXX ). All of the above information is inaccurate and false as proven by the information on the recorded properly on the registered deed involved with the original loan. The refinancing rate would have been 3.75 % while my then existing mortgage rare was 6.65 % and still is 6. 6..65 %

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 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX I paid XXXX XXXX for a copy of XXXX  XXXX XXXX XXXX XXXX XXXX. I was given a download link and registration number for the software, which I downloaded from XXXX  and registered. I then used the software for the next 10 months until XXXX notified me that the software purchased was not authentic. During this period the software vendor appears to have closed their business, so my attempts to contact the software vendor were futile. ( email attached ) XXXX assigned a case number ( # XXXX ) and sent me a letter stating that the software was not authentic. I then went to my bank ( Bank of America ) and because the debit card used was a Visa debit card, they investigated the case notifying me that I was within the deadline and issued a temporary credit on XX/XX/XXXX for {$910.00}. ( docs attached ) As of XX/XX/XXXX, the temporary credit has been withdrawn because the bank of XXXX XXXX stated that they were not notified within 60 days of the initial transaction per a notification letter from Bank of America. ( doc attached ) I would point out that : 1. ) I was not notified by XXXX that the software I downloaded from their site and registered through their site was not authentic until 10 months after the initial download and registration. This untimely notification unduly inhibits me as the purchaser from taking timely action against the software vendor.
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2. ) Because the vendor is no longer in business ( I presume ) I cant get their side of the story regarding the sale. It was suggested by yet another vendor that XXXX may have purchased a large site license from XXXX and then decided to sell off individual licenses. This may be what happened, but I ca n't confirm not can I comment on the legality of this practice.
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I would like to know what recourse, if any, I as a small business owner have in this regard. I have lost critical funding and although primary responsibility would naturally sit with the vendor who illegally sold the software they ca n't represent themselves. I would note they had a very good online reputation at the time I purchased from them. I also feel XXXX shares some responsibility to notify a purchaser at the time they register the software as to its legitimacy so that the end user can take appropriate and timely action.

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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
This is the second complaint with CFPB an d Trident.  My first complaint was  XXXX .  Trident  responded with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Section  609! I have the right to request and receive " the name of the person under which such  person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request.  If Trident Assest can not provide this, I want this account removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC
State: AL

Complaint narrative:
PLEASE CANCEL COMPLAINT #  XXXX  FILED ON  XXXX / XXXX /  XXXX   TODAY A DEBT COLLECTOR CALLED MY PHONE LOOKING FOR MY SPOUSE  XXXX   XXXX   XXXX  SS #. SHE ASKED WAS HE AVAILABLE AND I ASK HER WHAT CAN I HELP HER WITH. THE COLLECTOR  XXXX   XXXX   XXXX  FR OM ALLIANCE GROUP  CALLED FORM PHONE #  XXXX  HER DIRECT LINE. SHE ADVISED ME SHE WAS CALLING MY HUSBAND IN REFRENCE TO A PAYDAY LOAN FROM   XXXX   XXXX   XXXX   XXXX  AL. SHE QUOTED  XXXX  I ADVISED HER THE AMOUNT WAS INCORRECT. SHE BEGAN TO OVER TALK ME. WHEN I TRIED TO TAKE OVER THE CONVERSATION SHE GOT FIRED UP AND PROFANITY WAS EXCHANGED. SHE CALLED ME A  XXXX  AND ADVISED ME TO  XXXX  SOME. WHICH WAS HER EXACT WORDS. AS A DEBT COLLECTOR SHE USED OBSCENE LANGUAGE TO ME. AND THEN SHE HUNG UP AND CALLED ME BACK TWICE. SHE VIOLATED FDCPA. I HOPE THE LINE WAS RECORDED. I NEED HELP FILING A COMPLAINT WITH THE FTC. I WANT THE COLLECTOR FINED AND THE COMPANY FINED AS WELL THE ALLIANCE GROUP. I ORIGINALLY THOUGHT THAT  XXXX   XXXX  WAS THE RESPONSIBLE BUT THEY INFORMED ME THEY OUTSOURCE THIS ACCOUNT TO ALLIANCE GROUP  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  SC  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have an unrecognized account on my credit report from IC SYSTEMS  XXXX  I have never done business with this company. I am requesting a copy of the contract agreement between IC SYSTEMS and the Original Creditor if there is to be any proof of this claim unpond my person. I do not believe IC SYSTEMS is a entity that can legally enforce a claim unpond my person without a investagation of the FULL CONTRACT AGREEMENT. Your company has 15 Days to provide me with the prooof that you own this debt or account and have the nessary documents to enforce a claim.

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 2017-06-19 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  2017  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  2017 , saying the inquiry was as a result of a paperless application, which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report an they failed to do so.

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 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditech, Inc.
State: PA

Complaint narrative:
Credittech is still trying to collect {$1700.00} on a medical debt that wasfor a procedure for my son  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  . After trying to fight this medical collection with credittech because I do not owe this money I need help. My credit has suffered greatly. I contacted my insurance company to see why this was not paid and they informed me that the bill they received showed a 100 % provider discount with no money owed. This debt therefor is not valid and I have suffered because of it. Attached is the explanation of benefits that was provided to me from my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: FL

Complaint narrative:
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and this violates my rights as a consumer.

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 2017-06-19 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: FL

Complaint narrative:
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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  and this violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
The debt is not validated. I have attached the summons as well as the collection letter from Patenaude and Felix, a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
I mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. 

The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. 

I requested the inquiry to be removed from my credit report and they failed to do so.

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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc.
State: PA

Complaint narrative:
I turned in my equipment with  XXXX  and paid my last statement that I was aware of and then I noticed on my credit repo rt that STELLAR RECOVERY INC  placed a collection against me in the amount of  XXXX . I was unaware of any payment due and never received notification before it being placed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation