vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
In response to Ditech 's letter, I have included the FTC Identity Theft Report and the Police Report in order for them to investigate further as they stated. As you can see, Ditech 's Mortgage Statement and Ditech 's Insurance Policy names me as the borrower and Ditech as the Lien Holder. Ditech has created a fraudulent account using my personal identification to unjustly enrich themselves. By creating a fraudulent account with my name and without my authorization, Ditech is in violation of the False Claims Act and a conspirator to defraud the U.S. Government. 
Because discharges of debts and new mortgages are not publicly recorded, these are excellent opportunities for Banks, Lenders, Mortgage Servicers, Foreclosure Law Firms and Title Companies to create fraudulent documents when needed to defraud the U.S. Government, Insurance Companies, Investors, Homeowners and the U.S. Tax Payers. A perfect example of this is that my property was previously and currently listed on XXXX for sale by XXXX XXXX XXXX. In XXXX XXXX loan purchasing sale contract in Addendum A it states : ( 5 ) No Recording. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the defualt provisions hereof. 
XXXX has stated that they received their loan file from Ditech. Both XXXX and Ditech have been receiving HUD disbursements in violation of the False Claims Act. In reference to my loan and subsequent foreclosure and eviction, Ditech and XXXX have violated the False Claims Act, SEC Laws, the FTC, the Fair Debt Collections Practice Act, the Fair Foreclosure Act, the Dodd Frank Act, the National Mortgage Settlement, committed perjury on the Courts and Bankrutpcy Fraud. Submitting fraudulent documents and omitting documents to the court to obtain a judgment in your favor, makes the basis for any case, weather ultimately favorable or not, fraud and the case itself and the documents  contain therein still fraudulent. 
I am XXXX XXXX due to an accident and suffer from XXXX XXXX as a result of my injuries. This disturbing process of foreclosure and eviction has exasperated my already painful and XXXX medical conditions and caused new ones to develop. My husband has XXXX  XXXX XXXX and also suffers from XXXX XXXX, and is seeing a XXXX for XXXX due to these false claims, the foreclosure, and the imminent eviction from our home. The results stemming from the fraud that has been committed against our family including our XXXX children, have been devastating, both in mind and body and caused tremendous emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
To Whom It May Concern : I am having issues with XXXX XXXX accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I began paying my first payment pn XX/XX/XXXX with XXXX XXXX   and have been on qualifying repayment plans since then. I have also completed at least three separate Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit organization from XX/XX/XXXX to the current date without a break in service. XXXX XXXX informed me that some monthly payments have not counted despite no changes in my employment status and the lack of any late payments or forbearances. I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Ten months ago, the company initiated a recount of my qualifying payments. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified as to a basis for the initiation of their investigation. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program was 12. I have made 23 qualifying payments to date. 
As instructed, I submit my Employment Certification Form on a regular basis. I seek the assistance of the CFPB, I've devoted my career as a public service employee and have abode by the rules of the PSLF program. XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program. My qualifying payments should be at 23 and each one should be counted going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: GA

Complaint narrative:
I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NA XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
On XX/XX/2019 I called XXXX XXXX twice - but talked to three different individuals. The first call was with a very nice agent, but she asked me many questions ( most of which I did not know the answers ) and she told me to guess on the answers. Well, it was not clear to me why she was asking me the questions and that it would impact the monthly payment amount. She put me on hold many times when I told her the amount that she stated would not work for my family situation ( my husband has been unemployed for 4 years and has been in the process of applying for XXXX ). What I now know only because I did my research online is that she was trying to figure out how to reduce the payment through some of their various programs. She told me at one point that I had reached the maximum forbearance time which I thought was interesting as that had never been communicated to me in any previous communication with them ( a time limit was never provided ). Once I spoke with my husband and got the correct amounts for the financial questions they were asking I called back. This individual gave me a lower monthly payment, but it was still not doable. I called again and asked to speak with a supervisor ... the person was very hesitant and I told her that I was concerned that I was not being presented with any detailed information. She put me on hold and said she thought she could help me with some options. All of a sudden I had a different person on the line - she told me her name, but not her title. I assumed she was a supervisor, but she didn't have any different knowledge, but just spoke more eloquently ... .in fact, the number the previous person had provided she said was far to low than what they ever approve and so she raised it back up. I had no clue what she was talking about ... the inconsistency is absolutely crazy ... and the lack of communication regarding options. I called my husband and by that point in time he had been on their website and found many options articulated, entered the information and the monthly payment went down even further than what the lowest one was ... again ... this is crazy. It feels like this was purposeful in that they don't want you to understand what your rights and options or what you may be available for ... .they just want your money ... which I get, but it's sad when I can work with other companies to collect their debts and they are understanding and provide information ... .this company is not transparent and dishonest in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I constantly receive email solicitation from XXXX XXXX to apply for their credit card. I am XXXX frequent flyer and I belong to their mileage club. 

I applied for the credit card and then I get rejected for no reason given. My current FICO score is XXXX. I applied for it twice over a year period or and both times they reject my application. As far as I know, I do not have any bankruptcy or delinquency in my past credit history. I have enclosed the rejection letter to this online complaint. 

It's is bothersome why this is happens to me. I have never had any issues with my credit and or getting other credit cards except from Barclay Bank which XXXX uses. 

Because I am not able to get the credit card and receive the benefits that comes with it, I will continue to have to pay for my check-in in bags each time I fly. To me this seems unfair and discriminatory since I have excellent credit. I would like to know on what grounds Barclay is rejecting my application.

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 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
This is not a duplicate. This is about case # XXXX. This complaint is in reference to that case #. I have a family member helping me and she called today because Rushmore loan mgmt. postponed the foreclosure sale from XX/XX/19 to XX/XX/19. We verified that the supporting documents for a loan modification and that the last will and testament and executor ship documents were received on the XXXX of XXXX. Today they are stating that they will not be reviewing any documents because it is less than 37 days prior to the foreclosure sale. Well if the addition in my mind is right excluding weekends that would make it 47 days prior.These people are very evil people. It is my understanding that there are people in the court system that state they want to buy the house at foreclosure and sell it for profit. This is not fulfilling my parents wishes.

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 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My payments are over {$600.00} a month with Citibank, and over {$200.00} with my federal loan. I have struggled making these payments for years. Because of the interest amount my student loan continues to grow higher instead of getting lower. My original student loan amount has more than doubled. I refinanced my XXXX XXXX private loan with Citibank and they sold it back to XXXX. I have been told numerous times that I am not eligible for any help. I was forced to resign from my position to do health complications concerning my back and have made an effort to contact XXXX several times to explain my circumstances and was told they can do nothing to help. I am now three months behind on my payments and am accruing ridiculous late fees and constant phone calls It is not possible to pay my mortgage, car insurance, utilities, buy groceries and pay back my student loans. Even when I was working full time with a XXXX XXXX I could not afford my payments but made them living from paycheck to paycheck. My payments are over {$1000.00}.

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 2019-04-18 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
Apparently, someone was able to open an account on paypal. They were able to load my account information and with the account being unverified they were able to take money out of the account. I find it criminal that paypal 1 ) allows an account to be unverified and take money out and 2 ) doesn't cross reference the fact that the bank account is connected to another bank. This clearly encourages people to commit fraud because of how easy it is. You simply need a check to complete the process. Finally, paypal makes you deal with the bank in order to get reimbursed and offers to help. This system is setup for abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
I took out this loan in summer of 2017. I dont know dates or even the amount that I originally took out. Honestly, I took it out and I do owe it. Unfortunately, I can't pay it back and never should have taken it out. I am on Social Security XXXX now and am on a very limited income. I have no financial means to even do small payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: CO

Complaint narrative:
I have a small personal loan to build my credit through Avant. I had a previous account with them and had no problems. On XX/XX/XXXX, I scheduled for them to take out a payment of {$1000.00}. They never took out the payment, and with moving a bunch of money around to pay my student loans I never noticed. My payment schedule on the website said that I did not owe a payment until XXXX of 2019. However, apparently this was taking into account the payment that was supposed to be taken out of my account. When they did not receive payment, they did not update my payment schedule to reflect that, so i was laboring under the impression that everything was fine. I am also set up on autopay to avoid any problems. On XX/XX/XXXX, I received an email stating that I owe a payment of {$.00}. I also received emails on XX/XX/XXXX and XX/XX/XXXX which all stated that I owe a payment of {$.00}. Obviously, I ignored them because they said that I owe XXXX dollars. However, on XX/XX/XXXX I received an email stating that I have a past due amount of {$180.00}. Now, obviously because the original payment of {$1000.00} was never actually taken out of my account, I do owe the money that they are charging me. However, I feel like I did my due diligence and that they are acting unethically. I scheduled a payment, as I was supposed to, and the money was in my bank. I never received any notification stating that they did not receive payment. I have my account set up on auto pay for all payments. My entire account shows that I do not owe money until XXXX. I spoke with someone on the phone, who basically said there was nothing she could do, I had to pay the amount, that it would be considered past-due ( obviously affecting my credit score ), and that even though my payment schedule is incorrect I still should have made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This company called Diversifeid consultant attempted to collect the sum XXXX from me. They said I owe XXXX XXXX  T this money. I explained to them I dont owe such amount of money but they went ahead and destroy my credit with a degoratory marks. This has ruined my credit score/report. I called XXXX XXXX XXXX and they confirmed I dont owe them that amount but this false claim has already destroy my credit history/report. Please kindly help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
My XXXX husband who left our family to be with another woman, agreed to pay the mortgage, he in turn did not. All of while us feeling secured, I am blindsided with an XXXX notice. Moving forward, while trying to take care of my mother who suffers from XXXX  as well as my daughter who now suffers from XXXX XXXX, due to this disruption, while attending XXXX XXXX, I am trying to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the following student loan is not mine, with us dept of education, i have never went to school here and let alone getting a student loans, please equifax is reporting this inaccurate account under my name, and they are not helping me to have this removed i will be attaching my documents, please help me to have this inaccurate reported from my credit file. 
appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited an insurance claim check into my chase bank account on XX/XX/2019. We had asked the teller if we needed to do anything special since the Mortgage Company was on the check. She replied that all we had to do was endorse the check and there wouldn't be any problems. On XX/XX/2019 Chase had deposited the {$16000.00} check into my account but then put a fraud hold on it. They then closed my account with the money deposited into it. My insurance company XXXX said they could not get the money back in order to re-issue the check so we could get the proper endorsement from XXXX XXXX. Chase is stating that they can't release the funds without an endorsement even though they had already cashed the check into the account before they closed it. It has not been 2 months and our roof is still leaking because Chase and XXXX won't work together to get the money out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC
State: WI

Complaint narrative:
I have no idea when this debt is from. The account was opened in XXXX of 2017. I have had XXXX XXXX in the past, but am in belief I have paid off all my past due accounts to them and returned equipment. If this debt is correct, this there is no chance to pay back as I am on Social Security XXXX and have no other income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unified Lending Inc.
State: UT

Complaint narrative:
Unified Lending Inc. located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX UT XXXX, sent an advertisement to me which was intentionally designed to look like it came from my mortgage lender. The flyer references my lender and my account number in bold type, which is confusing to consumers and deceptive. This type of advertising is specifically prohibited by Regulation N 1014.3 ( o ) " The source of any commercial communication, including but not limited to misrepresentations that a commercial communication is made by or on behalf of the consumer 's current mortgage lender or servicer ; ''. The advertisement also violates UDAAP. I have attached the advertisement and strongly suggest that this type of marketing by Unified Lending Inc. immediately cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a Wells Fargo personal savings account on XX/XX/XXXX with a cashiers check in the amount of {$240000.00}. I took this action because the bank offered a savings rate of 2.08 which was much higher than other banks. About a month after I opened the account I stopped in the branch where the account was opened because I had not received my first statement. I received a statement from branch personnel and noted that I was credited with interest in the amount of {$210.00} for the period from XX/XX/XXXX to XXXX. To confirm that the interest calculation was correct I did my own calculation which was as follows : {$240000.00} X 2.08 which results with the amount of {$4900.00}. Then dividing that amount by 365 days I derived a daily amount of {$13.00}. I then multiplied that amount by 17 days ( XX/XX/XXXX to XXXX  and the result was {$230.00}. My calculation is {$13.00} less than Wells. I have had several conversation with Wells branch mgmt. and personnel with no resolution. And two weeks ago this matter was referred to the corporate Resolution team and have heard nothing from them either. My greatest concern is how many other new Wells Fargo customers are being affected. Given Wells recent reputation anything is possible.

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 monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Systems, Inc
State: NJ

Complaint narrative:
XX/XX/19 - Received call from XXXX. Mr. XXXX attempted to collect debt that was paid last year. 
Was extremely harassing and could not provide specific details. Continues to call.

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