vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have previously requested for GreenTree-Ditech to provide direction to the obligees as to the handling of payments upon liquidation or sale of the XXXX XXXX XXXX. I have reason to believe that such liquidation or sale will be forthcoming. To date I have never received any such direction.

The over-riding question is why is Green Tree-Ditech still allowed to service my loan? Why hasn't my loan been reasigned to a company with liquidity and staff sufficient and adequate to perform the stated public offering?

Green Tree-Ditech is in breach of its own loan covenents. Perusal of its open positions indicates that it is unable to hire staff. Green Tree-Ditech has been untimely in the filing of its SEC periodic reports. The monthly billing statements continue to be irregular with respect to the dates on which these statements are received by me. These statements need to show three dates : Date of Data, Date of Preparation of the Statement, and Date when the Statement was handed over to the U. S. Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: TX

Complaint narrative:
inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: OR

Complaint narrative:
Collection company unifin called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day, sometimes multiple times, except on Sundays. Southwest Credit also refuses to discuss the matter unless I provide personal information that I am unwilling to divulge over the phone in this age of identity theft. Southwest Credit is a rapacious, annoying and unreasonable collection agency that must stop its practices toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One account number XXXX has a late payment for XX/XX/XXXX that has been removed once before from the capital one because it was an error. It has reappeared on my credit report in XX/XX/XXXX. And it has not been fixed after several calls to them. The late payment that is still on my credit report is indeed an error and I need It to be removed immediately as it is in violation of the Fair Credit Reporting Act and The Fair Credit Billing Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: TX

Complaint narrative:
inquires are from car dealers. They where only supposed to run XXXX report with a finiical bank not XXXX, XXXX these should go off my report.

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 2019-02-18 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: TX

Complaint narrative:
inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.

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 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the Judge about the fact that by Florida XXXXtatute77.041 ( 2 ), which states : The plaintiff must mail, by first class, a copy of the Writ of Garnishment, a copy of Motion for Writ of Garnishment, an, if the defendant is an individual, the " Notice to Defendant '' to the defendant 's last known address within 5 business days after the writ was issued, or 3 days after the writ is served on the garnishee, whichever is later. But, the Judge would not acknowledge this offense and violation by XXXX XXXX. I had sent you notification of this under the same complaint number on XX/XX/XXXX. On XX/XX/XXXX I received a notice from you, CFPB, that you had received an answer from XXXX XXXX about my complaint. I called the number given on the letter, only to be informed that I was to fax to you contact information for myself and my Spouse. I faxed this information of XX/XX/XXXX and have heard nothing further from you or XXXX XXXX , XXXX. Besides that, I am still pursuing a reparation from XXXX XXXX , LLC. for ruining my good reputation- and in fact even endangering my employment. 
Therefore, I am seeking your well appreciated services to bring this case to a satisfactory closing soon. 
Please be aware that the funds that have already been taken through the garnishment are still tied up and unavailable to me. 
Thank you kindly for your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. 

On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX  there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. 

In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied.

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 2019-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I have had an active account with Mobiloans since XX/XX/XXXX. I have paid approximately {$120.00} per pay period for a {$1200.00} loan. At one point, I was able to get online to access my account and see where I stood on payoff amounts and payment schedules. In XX/XX/XXXX, I was unable to access my online account stating that I was in debt consolidation. I don't understand why debt consolidation should be a reason to not have access to my account. I have called several times to see what my payoff amount is, and I do not get a straight answer. I was told I have " about 32 payments '' left before loan is completely paid off. This seems excessive for a loan that is a balance of {$1000.00}. I believe have overpaid the amount I owe and this account should be closed. I would also need a copy of my loan agreement so I can further evaluate this account. I do not have access to any of this information, and they do not provide it to me when I call them.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
Taxes are not being paid from escrow ; XXXX XXXX 's property taxes were not paid in full. 
XX/XX/XXXX 's Irrigation Tax was not paid at all. 
XX/XX/XXXX 's property taxes were not paid. 

We received a delinquent tax notice from our county assessors office on XX/XX/XXXX. Since XX/XX/XXXX we have contacted Lakeview Loan Servicing LLC 17 times, have been told on 4 occasions that they would be paid but they are still delinquent. Also note, our XXXX form XXXX is incorrect as it does not reflect all taxes for XXXX that should have been paid since only a portion was paid. 

Dates of contact XX/XX/XXXX XXXX calls to lakeview to initiate correction of delinquent taxes XX/XX/XXXX 2 follow up calls to learn what action would be taken told they would be paid soon XX/XX/XXXX 1 follow up call XX/XX/XXXX 1 follow up call was told the taxes would be paid in a few days XXXX/XXXX/XXXX 1 follow up call XX/XX/XXXX 4 calls was told the taxes would be paid no later than XX/XX/XXXX XX/XX/XXXX 1 call to determine why they weren't paid on XX/XX/XXXX - no reason given XX/XX/XXXX 1 call was told they would be paid on XX/XX/XXXX XX/XX/XXXX 2 calls to determine why they were not paid on XX/XX/XXXX - nobody knows why or when they will be paid at this point.

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 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Through a bad XXXX. I was left with a few credit cards and a lot of debt. I had 2 cards with chase Total was XXXX. On the phone with chase they accepted a settlement payment of XXXX. Which i drove to a chase branch and paid in full on XX/XX/2016 Bank told me it was all clear and account closed. But it is still showing on my credit report as unpaid. With multiple attempts calling chase and they found the problem twice as of to why it wasent reported clear which was a mistake on their part they promised to have this clear off of my credit report. And its still on my report. I dont know what else to do. This account has definitely been paid in full per their settlement agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
Collection company XXXX  called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian/ Experian National Consumer Assistance Center Re : Acct # XXXX On XX/XX/2019 I disputed an account reported by XXXX  XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2019 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification.

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 2019-02-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.

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 2019-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CORELOGIC INC
State: NC

Complaint narrative:
Please accept this Requests for Information under XXXX wherein I am requesting documentation relating to the request made to CoreLogic for the payment of Real Property Taxes, to the XXXX XXXX County Tax Office for property the address of XXXX XXXX XXXX XXXX XXXX, NC XXXX  for years ; XX/XX/XXXX, Bill # XXXX in the sum of {$13000.00} on or about XX/XX/XXXX and XX/XX/XXXX, Bill # XXXX  in the sum of {$11000.00} on or about XX/XX/XXXX. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2019-02-18 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: NJ

Complaint narrative:
Experian fails to correct the balance on my XXXX XXXX credit card, card has a zero balance and Experian fails to update the balance on my bureau

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
Consumer complaint received 2019-02-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.

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
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: VA

Complaint narrative:
I have received numerous phone calls from Client Services Incorporated over the past several months. They call looking for XXXX XXXX attempting to collect a debt. I have explained to them that I am not XXXX XXXX and ask for my number to removed and for them to not call me again, but they still do. The most recent phone call was on XX/XX/XXXX at XXXX p.m. I received another phone call on XX/XX/XXXX, and prior to that, on XX/XX/XXXX. I have told them several times if they do not stop calling I would file a complaint, and they still call. My phone number is also registered on the " Do Not Call '' registry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: GreenSky, LLC
State: IN

Complaint narrative:
XXXX XXXX  company summit and application without my consent to a Greensky with fraudulent signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have been struggling to repay my student loans. Over the years my student loan company Navient has insisted I pay more than I can afford, this has forced me to request deferments. I was unemployed for 4 years and requested deferment at that time, however when I attempted to start payments again the company insists that I pay such a large percent of my income, it makes it impossible. Right now they are insisting I pay {$1000.00} a month! I need a flexible payment plan so I can afford food, gas, tolls and rent, not to mention be able to go to the Dr. once in a while-I have not been to my PCP in over a year. I am requesting to start with a monthly payment of {$250.00} to XXXX a month and then I can increase the amount next year. If my car breaks down, I have no way to fix it and get to work with this large amount they want. They set borrowers up for failure. And on top of that the website mentions nothing about student loan forgiveness, there is no drop down box for that-I am a social worker and have been one for going on 15+ years now. The high amount they want means I can't make consistent payments to qualify for student loan forgiveness! Right now that program only allows you to get your loans forgiven if you make consistent payments for 10 years-another barrier. Please help. Thank you.

Company response to consumer: Closed with explanation