vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
During my bankruptcy modified my home loan with Green Tree now known as Ditech. I was informed my payment amount of {$1000.00} and paid that amount every since XX/XX/XXXX as advised by bankruptcy attorney and Green Tree. I've never missed a payment since. 

My bankruptcy was discharge in XX/XX/XXXX. The next month I received a letter from Ditech stating that I haven't made a payment since XX/XX/XXXX. That simply isn't true. I have the proof with my banks and Ditech also have indicated on my payment history which is on their website the receipt of the payments. If I mail a payment via 1st class mail they don't process the payments sometimes for up to 2-3 weeks. I attempted to make a payment in XXXX and again in XXXX but was unable because they demand a payment of {$5200.00} for months that I have already paid. 

During the bankruptcy the mortgage statements came voided of any information up until XX/XX/XXXX. Every time I called the phone never prompted the ability to leave a message and just hung up. I finally spoke with a representative on XX/XX/XXXX, XXXX, and he also indicated that he didn't understand the reasoning for the letter and gave me fax number and address to send a written dispute. 

This matter is very stressful and reeks of predatory loan practices. I view over 3,000 complaints about this organization-XXXX-Green Tree-Ditech- and am very concerned. 

Please help me to resolve this matter. Thank you in advance for investigating this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: TX

Complaint narrative:
ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint online with Equifax and received an email telling me the dispute was resolved and to check my results. I tried checking results online and the system keeps telling me my information is incorrect and won't let me access my results. I then tried their automated phone system which asked me for my 10 digit confirmation number. Each time I entered it CAREFULLY it told me it wasn't 10 digits - it WAS!. I then called and was asked about 7 security questions, giving them exact info off my various statements and they would tell me my info was incorrect - even though I was reading it directly off the statements. Finally pass this test and they tell me that the address on my utility bill I submitted matched what was on file for my address and the woman even read what was in the file - how do I get through to these people who are clearly working in another country that my address, although it has one part of it that has the same name as the address on file, is not the same as the one on file. The address on file is 2 miles away, I have never lived there, and I get mail delivery problems all the time  because it is a similar address, but it is NOT my address nor has it ever been my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sent Evidence to Transunion that the account can not be proven that i made it or it is mine from the company XXXX /XXXX but still I have not seen anything with a signature You CFPB also have the documents on hand showing and stating I gave XXXX my information when I asked about this account it is stated in there letter also there copy of an online application in which you can not make out there for there investigation could not of been completed when I showed what evidence they claimed. Transunion states they contacted XXXX and they verified account as mine without any proof just word of mouth and I showed there none evidence they sent myself and forward to you CFPB. I expect Transunion by law to show actual evidence, even tho they state they do not have to show anything but verified, meaning a company can say anything to make a claim. TransUnion I expect this Dispute to be followed throught as requested in detail as per this letter to further my case in a court of law against XXXX and TRANSUNION for civil damages if it is not removed. I keep all documents to and from and forward all to CFPB to review.

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 2018-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/2018 we sent in a mortgage assistance application provided by the company explaining that we were experiencing a loss in income. We were denied any financial assistance, and when we called for an explanation we were told that we did not make enough income to qualify. This explanation did not make sense to us and we were not provided any additional information upon request. In XX/XX/2018 I made an attempt to pay {$2500.00} towards the past due balance which at that time was {$5500.00}, I was told that they would not accept this payment as it had to be the full amount. Then in XX/XX/2018 I attempted again to make a payment of {$4500.00} towards the past due balance which at that time was {$7700.00} and once again was told they would not accept it because it was not the full amount that was past due. We have continuously made attemps to pay off some of our debt and we have been denied, causing our house to go into foreclosure.

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: DC

Complaint narrative:
I apply for a position online with a company and they recieved a criminal background record without my consent, The information on my record is 14 years old and Im poceeding to have it seal along with another charge that is 7 years old this information is denying me from becoming employed and I am exsperiencing XXXX, and Im trying to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports

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 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$700.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$170.00}. On XX/XX/XXXX, XXXX XXXX deducted not the {$170.00} payment, but {$230.00}. This was not to be my payment amount. Despite having paid {$400.00}, my online account shows I still owe {$810.00} on a {$700.00} loan. This is outrageous! If I pay another {$810.00}, I will end up paying {$1200.00} on a {$700.00} loan. That is {$520.00} in interest. 75 % interest!!!!! This is predatory and greedy. My loan documents actually show the interest rate as 672 %!!!!!! This must be illegal!!!!! 

Since I have paid {$400.00} on a {$700.00} loan, my balance due without interest is {$290.00}. In South Carolina, payday loans can only charge {$15.00} per {$100.00} borrowed. Since that is my state of residence, I should only have to pay {$100.00} in fees. I should have a balance remaining of {$390.00} NOT {$810.00}. 

Since XXXX has already lied to me and changed my payment amount, I now want to reach a settlement to pay off the {$390.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$49.00} paid on XX/XX/XXXX I will make my payments via check mailed to XXXX. I have revoked XXXX  's authority to automatically take money from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: SC

Complaint narrative:
I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I have already filed a complaint through this agency but I do not got any resolution. This is my second complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: UT

Complaint narrative:
Disputed XXXX XXXX STATUS W EXPERIAN TWICE IN THE LAST 60 DAYS I HAVE SENT SIGN STATEMENTS FROM XXXX STATING MY ACCOUNT STATUS WAS CURRENT STILL NO UPDATE N CHANGE.

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 2018-11-06 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: NY

Complaint narrative:
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX 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 2018-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX 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 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Check was deposited on XX/XX/18 through mobile check. I get a notice saying that my check was on hold. I went in person at the neares bank of america on XX/XX/18 and the bank teller told me theres nothing she can do to fix the hold on the check and to call customer service because they would be a better help. I called Bank of Americas customer service and was told that the check would be on hold for 10 days and wouldnt be available 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 2018-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My husband past away a year ago and I found out the loan we have with PNC is a interest only loan. We have paid XXXX since XX/XX/2006 and the loan was only for XXXX and I have already paif XXXX. I'm wondering what I should do plus I thought this was against the law and the banks had to notify the comsumer when the housing market crashed due to this kind of practice. I really need help to understand what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$500.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$130.00}. Despite having paid {$130.00}, my online account shows I still owe {$560.00} on a {$500.00} loan. This is outrageous! If I pay another {$560.00}, I will end up paying {$700.00} on a {$500.00} loan. That is {$200.00} in interest. 40 % interest!!!!! This is predatory and greedy. There is no where on the website to view any loan documents which is deceitful and misleading. This must be illegal!!!!! 
Since I have paid {$130.00} on a {$500.00} loan, my balance due without interest is {$360.00}. In South Carolina, payday loans can only charge {$15.00} per {$75.00} borrowed. Since that is my state of residence, I should only have to pay {$75.00} in fees. I should have a balance remaining of {$430.00} NOT {$560.00}. 
Since XXXX XXXX XXXX has not been transparent in its information and is a greedy, predatory payday loan lender, I now want to reach a settlement to pay off the {$430.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$39.00} on XX/XX/XXXX I will make my  payments via check mailed to XXXX XXXX XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have had a Chase Freedom Credit card since XX/XX/1999. Approximately seven ( 7 ) or eight ( 8 ) years ago, my wife was in an accident and is now XXXX  XXXX. At the time of the accident I had difficulty with some bills and did have 2 or more late payments on the credit card account. In accordance with the terms of the account, my interest rate was raised to the " penalty '' rate of 29 %. This was expected and I accept that. 
My problem is that once you are in that " penalty '' catagory, they never reduce it. I have been on time with all of the credit card payments for over six ( 6 ) years and I'm still paying 29 % interest! 
It is like debtors prison. I have called and tried to get the rate lowered but they say my credit is evaluated every six months and they wont lower the rate based on my overall credit history, including utilization. I had to short sell my house and had some late mortgage payments prior to that but why should that affect the interest rate on my credit card? My card is still at maximum BECAUSE they are charging 29 % interest! I believe because I had a Chase mortgage when I short sold my home, they are trying to make extra money from me any way they can. 
I make at least the minimum payment, on time but it doesn't seem to matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Fay Servicing has increased our Escrow by using figures that DO NOT include all of our mortgage payments. They purchased our loan in XX/XX/2018. XX/XX/XXXX and XX/XX/XXXX payments were mailed separately to them. However, on their report sent to us by a their Attorney that they sent to Court only show one ( 1 ) payment being made not two. I  have attempted to send them the cancelled checks but XXXX XXXX refuses to accept them and get this resolved right away. This has also caused lots of unnecessary stress on us and loan companies calling us saying our loan has been MARKED for inclusion trying to get us to refinance all due to them not posting all of our payments. This is a Federal Violation of our rights, not applying our payments, misreporting our mortgage account to Credit Bureaus for months now, and deceptive by omitting these important facts to increase our Escrow.They have a letter from our Attorney to talk to us on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: VA

Complaint narrative:
I have disputed an item on my Equifax credit report several times. It is a fraud account for XXXX XXXX XXXX for an address i never lived at. I have faxed to Equifax the FTC report along with my Id 3 times in the last month and they always advise the pages are blank. XXXX XXXX account has been removed from XXXX  and XXXX but Equifax still has it listed. I have called Equifax and XXXX XXXX XXXX  several times in the last 4 months and nothing has got done about deleting the file from my report. The account was opened XX/XX/2018 and has a balance of {$350.00} due. My address is XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX where i have lived for over 20 years, the address that is on file for the XXXX  XXXX is XXXX XXXX XXXX XXXX Va XXXX.

Company response to consumer: Closed with non-monetary relief