vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Since XXXX XXXX, XXXX, ditech has messed with my credit. At one point, Ditech took payments and applied them to escrow and therefore making me look late. I have payment history and monthly statements showing I made the payments. They do NOT CARE. On XXXX XXXX from Ditech advised that no notes were documented in my account that referred escrow payments or issues. I was behind now the month of XXXX. She advised that I was never late in XXXX and I told her " funny, you reported me to the credit bureaus 5 times! ". She said she had no documentation of that. Really? 

advised her that the additional personal notes and documentation I have shown that Ditech accidently put payment funds in escrow account instead of applying to my payment on or around XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX ''. XXXX advised me there are lots of records that cant be found since XXXX merged with Ditech. Also, I will mention for documentation purposes, when this merge took place, Ditech was also was not going to honor my home modification through the original lender XXXX. In XXXX, this situation forced me to contact XXXX Nevada XXXX XXXX to have them step in and be sure my modification was accepted and understood that the terms of a loan modification agreement does not change. In XXXX XXXX I received around {$100.00} from the XXXX Ditech XXXX action lawsuit. My credit was also reported that I was delinquent on XXXX and XXXX of that year. 
Ditech has numerous consumer complaints. I am a consumer who makes her house payment and chooses to keep her home. They have caused me headaches and restless nights trying to prepare paperwork for issues in the past, or resolve issues with your customer service representatives who dont care about the customer. 

I ca n't get this issue resolved and I am running in circles. I am now taking this to every social media outlet possible and will also file any and all complaints against them. This is not professional NOR FAIR to us homeowners who make our payments. Ditech Financial should be out of business and taken in for fraud. I also have late charges. For what? I do n't know.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I explained to the person who answered that I have no nor have I ever had any business with XXXX XXXX XXXX. After that the calls increased in frequency, several per day 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 non-monetary relief
Consumer complaint received 2017-10-31 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: LJ Ross Associates
State: MI

Complaint narrative:
I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX  credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In XXXX XXXX, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus XXXX XXXX XXXX XXXX Experian XXXX asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau XXXX XXXX XXXX responded by deleting the said file from my records.

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 2017-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a Florida resident and former homeowner ( who just sold my home XXXX, XXXX ). I had filed for a home loan modification under the XXXX XXXX bailout " HELP FOR HOMEOWNERS '' in XXXX, XXXX ( after Bank of America was bailed out by the federal government and given hundreds of billions of dollars to HELP HOMEOWNERS ). 

Bank of America however never helped me. All I requested was that my original home equity mortgage payment of {$340.00} a month be restored. However Bank of America increased my mortgage payment threefold to {$1200.00} a month and threatened to foreclose on my home. In good faith, I listed my home for sale, successfully sold my home XXXX XXXX, XXXX ), and paid off the Bank of America equity line mortgage in full. 

However upon the closing statement with Bank of America, I see the following fraudulent charges I am now disputing and seek to be refunded in full by Bank of America XXXX and along with treble damages ). 

- Foreclosure Fees {$260.00} - Uncollected Fees {$1900.00} - Subtotal {$2100.00} Total times 3 ( for XXXX damages for consumer fraud ) = {$6500.00} My loan number with Bank of America is XXXX. My case number with Bank of America 's escalation department is XXXX. My closing statement wherein documentation as to my having paid off Bank of America in full ( along with their fraudulent fees, documented above ) is herewith attached. 

I have repeatedly phoned Bank of America speaking to the following representatives in the mortgage, foreclosure and " customer service '' departments XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all of which thus far have done absolutely NOTHING ). 

Please investigate Bank of America for bank and consumer fraud as this type of activity has been going on for years, which I have personally experienced with the lender XXXX bailed out by the federal government and simultaneously lying to, deceiving and defrauding American citizens throughout the nation daily ). 

Bank of America must be brought to justice and a class action lawsuit commenced to ensure defrauded citizens are repaid and monies stolen by Bank of America returned and restored to hardworking American citizens. 

Respectfully, XXXX XXXX XXXX XXXX www.Linkedin.com/in/worldproperties XXXX XXXX XXXX is a certified Florida XXXX XXXX, XXXX XXXX XXXX, Wellness Trainer, XXXX XXXX, and Author of more than 20 books who has touched 76 countries serving the U.S. Military, Companies, Cruise Lines, and Universities across the globe.

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 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our home mortgage was transferrred to a company called " Mr. Cooper '' and we have had nothing but problems since that time. For the month of XXXX, they took our mortgage payment of {$2500.00} out of our checking account twice. When I saw that they took our XXXX mortgage payment out twice, I called Mr. Cooper and asked for the money to be returned. I spoke to Mr. Cooper customer service on Monday, XXXX XXXX and the customer service rep confirmed that they had accidentally taken out the mortgage payment TWICE. She said that that the payment would be returned to my checking account within 3-5 business days. Today, XXXX XXXX, XXXX, it has been EIGHT DAYS ( 6 business days ) since I was promised the over-payment would be put back in my account. It has not been returned. When I called Mr. Cooper customer service again, I was given the run-around. I was  place on hold for over 30 minutes and then told that they would need to contact the bank to " confirm the check cleared '' ( this was already done on XXXX XXXX when I called the first time ). Long story short, they are playing games, giving me the runaround and keeping the double payment. My other bills are going unpaid and I will have late fees and returned check fees if they continue to refuse to return the double mortage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I received a response from LVNV fundinXXXX, I never got a response from this collection agency until, I contacted CFPB. I 've asked for a resolution and as the company has only provided a bill, but not a copy off the contract according to the FCRA they have n't submitted anything validating the debt to LVNV. I 've asked for this verification and still to no avail has this happened. According also to the FCRA, a copy of the bill is n't validating a debt. A letter was submitted also to settle for a collection amount to XXXX XXXX. 
I 'm asking for your assistance in this matter, please assist with having LVNV provide complete verification as requested according to my rights under the FCRA. I would greatly appreciate it.
I this ca n't be done I am asking that this be removed from all 3 credit bureaus until this debt can be validated and settled. In the letter submitted it stated that we are not admitting that this debt is owed. Please ask for a copy of the letter submitted to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a trial modification payment plan to begin on the XXXX of XXXX for 3 months. The payments would be XXXX, XXXX and XXXX. Once I processed the final trial payment to pay on the XXXX of XXXX I called. BofA talked with XXXX call center staff and both informed me I would just continue in XXXX XXXX period and there would be no change to my loan. Other then my loan would be extended 10 years. No change in interest rate, no change in the amount of the loan, just that my loan would have a additional 10 years. I missed 3 payments during my husband 's emergency XXXX XXXX. BofA is now placing 10 years to my loan for missing 3 months of payments. The only modification that i have received is 10 additional years to my loan. Made numerous calls to XXXX XXXX at XXXX. With no return call.

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 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I co-signed my daughters loan for $ XXXX I have paid $ XXXX on the principal and another $ XXXX in interest. I called for a payoff amount and I was told I have a principal balance of $ XXXX. If I have paid $ XXXX in Principal then my payoff should be interest accumulated to date and the basic principal balance. why would I owe and addtional $ XXXX on a $ XXXX loan that I have already paid between principal and interest {$13.00}. I should owe the difference between $ XXXX and $ XXXX plus interest which would be around $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: AZ

Complaint narrative:
A background check contains incorrect information : I have never been in Illinois. The assertion that I have been in XXXX, Illinois suggests that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Udren Law Offices, P.C.
State: NY

Complaint narrative:
How many lies this horrible lying law firm is doing. First they never reply to me and CFPB specifically mention that this lying Law Firm must respond., The specialty of the lying law firm is doing thins behind close door in a top secret action as theory try to defraud my property. Udren Law Offices , P.C . miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. Judgment in the action docketed in the Court of Common Pleas of XXXX XXXX at docket XXXX on XX/XX/XXXX and the property was sold illegal abusive and in a top secret close door action at Sheriff 's sale on XX/XX/XXXX. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XX/XX/XXXX. We will go all the way to the Supreme Court of USA if necessary since this lying law Firm specialty is denigration people. The Appeal is from the Court Order denying ( due to question marks practices ) his petition to set aside the sheriff sale. The firm continues to act as counsel for the lender in the appeal. This is the third CFPB complaint of this consumer. There are no facts to support averpments of fraud. Allegations of vandalism costing {$260000.00} are correct since the law firm had direct interest in doing it in order to defraud the banks and you can see it in many legal cases against this lying law firm.. XXXX did their best to defraud my property without having a deed or any legal [ paper from XXXX until XX/XX/XXXX so they ate lying to you again. as XXXX enter inside my property o XX/XX/XXXX, XXXX and I have picture of it, Moreover, the firm did was present when they change the locks at the property. Allegations of misrepresentation and bribery are simply correct and will be proven inside the Court off law not in criminal behavior of this lying law firm. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that Udren is doing to my property for which I do not have any mortgage and my name is not on any mortgage note in this planet. CFPB must remand that this Law Firm must compensate all victims they defrauded the for so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Back in XXXX or so not long after opening an account with wells fargo I noticed another account that I had never opened. Brought it to their attention they apologized and closed it. Not long ago I heard wells fargo was in trouble for opening accounts without customers consent, so I was telling them about it hapened to me some time ago, after looking into it further they noticed XXXX accounts that had been opened. After leaning all this, I have done some research and found out wells fargo employees were telling people that opened accounts that they had to open a saving account too in order not to be charged fees, well that happened too. So technically there were possible XXXX opened without my consent, and a savings account opened cause I was led to believe it had to be.

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 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX I made a purchase on line with XXXX tickets with XXXX via American Express card. Immediately the prices were different as advertised so I called Amex to cancell the transactions, the agent said I needed to call the merchant, so I did and the next bill it was removed and credited. Untill the following bill XXXX XXXX the amount was added to my acct. So I disputed this with Amex and they later sent me a copy from XXXX that they had a glitch in there billing system and that they credited my sales by mistake. Than I submitted proof of my cancellation through XXXX phone logs. So Amex has been in cahoots with XXXX to keep this charge. It doesnt matter that Ive ben a loyal Amex customer for 17 years, to no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Repeated phone calls from Diversified Consultants, two or more times a day from a local phone number to mask their identity. XXXX called at XXXX XXXX today. Yesterday they attempted to call from XXXX. They do not leave a message and call every day two times or more. I have expressed to this company to not contact me any longer and I will continue to document the repeated calls after I expressed this to the company. I have no debts owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX & XXXX, XXXX a total of 6 QuickPay Payments in the amount of {$10000.00} was taken out of my Chase Business Checking account and sent to random emails. Chase never notified me and this activity was not part of my normal activity. I received an insufficient fee on my personal acct and I went online to transfer money when I noticed these transactions. I immediately notified Chase and on XXXX XXXX went into Chase at XXXX XXXX XXXX XXXX location and closed account & then opened a new account. On XXXX XXXX, Chase credited me the amount temporarily and then on XXXX XXXX, without any notice reversed the credit leaving my account overdrawn. My payroll money and receivables came in an immediately were taken out to offset my overdrawn account. At that time I was not been able to pay any of my present bills, payroll or rent. I went to the police and filed a report. I also spoke to Chase Fraud claims dept and the only thing they stated is there was no new device and Ip was in vicinity of my address, Chase closed the fraud claim and said I allowed someone to get on my computer. I repeatedly tried to open this claim with new information, stating I was not in New York city when this occurred and that I did not allow anyone to come on to my computer during this period. I originally when making a statement when Chased pressed me if any one accessed my computer I told them that Microsoft came on the computer to help me setup the Outlook but this is not the computer I do banking and this was my boyfriend 's computer and he made a statement stating this. My boyfriend does not have my Chase Banking information. Chase would not re-open case saying this was not fraud and it was my fault but they will not give me any proof. They will not state where the money went ( ie bank accounts, etc ), they will not state the IP address and they will not give me the device this was used on. I thought as a consumer, the bank accounts are insured up to {$250000.00}. It is very easy for them to say this is not fraud and yet not give any information. I was told I would need to sue them to Subpoena records and get my money returned. In the meantime, they have taken $ XXXX and left my account overdrawn XXXX and keep calling me to pay this and if I dont they will charge off and ruin my credit. To note, I have been trying to get a mortgage and with all this activity it has put me in a compromising situation in getting a mortgage, fees and stress. 

Please advise what can be done here.

Company response to consumer: Closed with explanation