vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 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: OH

Complaint narrative:
I have worked in XXXX service s for 10+ years. I submitted my application for Public Service Loan Forgiveness, and after verifying with each of my previous agencies, they determined that all of my agencies were qualified. I then received an email from XXXX XXXX saying that I had not been making qualifying payments and would have to consider shifting my loans to them. I sent them an email question asking how my payments did not qualify and received a form letter with the same language as the website, explaining nothing. At no point did I consent to switch my loans to them. On XX/XX/2018 ( dated XX/XX/2018 ) I received a letter saying XXXX  was my new service provider. Again, I did not consent or agree to this, having more questions. On XX/XX/2018 I received an email saying I had a payment due on XX/XX/XXXX that was now late. I never received anything from them stating an amount or due date. Meanwhile, I made my existing payment to my current vendor on XX/XX/XXXX.

Today, I called them and was told that they had no record of me making a payment to my previous vendor and that I had to " prove it '' to them. I was also told that I had filled out the wrong form ( I filled out the one on the US Department of Education website ) and that I had to fill out the IDENTICAL form with the slightly different number on it to get a waiver on my non-qualifying payments. I was further told that reapplying with the exact same form will re-start my application and require them reverify all of my employment - a three month process, if I'm lucky. The national funding will almost certainly be gone by the time this is completed.

I am beyond frustrated. I started out trying to take advantage of a lovely program that rewards community service and I now have a late payment to a vendor I didn't chose and don't trust for an amount that makes zero sense ( they say I owe {$94.00}. My original payment to my existing vendor was {$250.00} and my new payment is {$240.00} ). I'm not even sure if I should pay them. Please help!

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TX

Complaint narrative:
XX/XX/XXXX I notified Experian that XXXX XXXX in the amount of {$850.00} and XXXX XXXX in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed Experian that I was a victim of identity theft. Experian fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the XXXX is Experian validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.

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 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
Received written letter from XXXX regarding debt which is not mine, no verification of debt has been produced giving account details or pertinent info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an identity theft report through the FTC. I then provided said report to all three credit monitoring agencies with the request to remove all accounts marked as fraud and identity theft. Equifax has removed 3 fraudulent account but refuses to remove the remaining two fraudulent accounts from my credit report stating that that is their company policy. The accounts in question are XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
1. We received our first piece of mail from Navient datedXX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of {$590.00} 2. We received another piece of mail from Navient dated XX/XX/2018 stating that they are our new loan service provider. Note that both letters say, " Keep an eye out for your first Navient billing statement '' - clearly implying that this was not a billing statement, and that billing had not yet commenced.

3. We received a second piece of mail from Navient dated XX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of XXXX 4. We received a letter in our post office box AFTER XX/XX/2018 from Navient, dated XX/XX/2018 stating that we are 135 days past due and that we owe {$3600.00} 5. Tried calling Navient on XX/XX/2018 no one answered, no way to leave a message 6. Sent a summary of the above as a message to Navient on their website on XX/XX/2018 7. Received electronic message from Navient via our account on their website dated XX/XX/2018 addressed to XXXX, stating that if we pay {$68.00} within 10 days, the account will be paid in full 8. Sent check for {$68.00} to Navient via certified mail on XX/XX/2018 9. Payment of {$68.00} processed by Navient and posted to our account on XX/XX/2018 10. Sent a message to Navient on their website on XX/XX/2018 explaining that we paid our account in full per letter of XX/XX/2018 ; requested confirmation and that no negative credit be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Balance transfer ( 10.74 % ) being charged ( incorrectly ) AS direct deposit rate ( 17.49 % ) Also no way to contact - Can not get through to customer service. In telephone queue for over 2.5 hours!

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 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It all started I XXXX called the bank because we where having difficulties coming up with the mortgage payment due to an accident my wife had XXXX couldnt return to work.. ; so we wanted to see what we could do to lower the mortgage payment ; after speaking to Wells Fargo We started sending all the documents needed for a modification. It was a lill confusing to us and we wanted to get a good aoutcome so we decided to get a lawyer to represent us ( XXXX ) XXXX XXXX XXXX XXXX the bank XXXX Wells Fargo XXXX XXXX denying us ; the layer kept saying to us all the time We spoke to him that We were elegible and that it was the bank giving us the run arround ; last letter We received facing foreclouse so we contact the lawyer XXXX he told us that he needed {$3500.00} to submit some document to stop foreclousere.. we couldnt afforded it. So we started calling d bank.. XXXX they ask us to submitt all the documents again nothing was moving so We called XXXX of XXXX XXXX XXXX They have been working with us to stop the foreclosure and get a modification going.. finally We just got an approval but with a first trial period mortgage payment of XXXX. After trying 2 years non stop to get a modification this is what we get.. We dont have that kind of money and its not fair to us.

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 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had an American Express card for 11 years, with no problems up until now.

My interest rate was at 11 %, and they hiked the rate up to a usury rate of 17 %, without notifying me ( as required by law ) of the increase.

My credit is perfect, as in absolutely no derogotory items, and I have never missed a payment in my life ( across all accounts ).

When I called American Express ( over 9 times now, which I've recorded all ), I received the following information : 1 ) The reason for my rate increase was : -I have used the cash advance feature -I have used my card internationally/in XXXX 2 ) Another manager negated the above, and said that's not correct. Thanks for correcting the obvious.

She proceeded to put me on hold, as she tried checked all mailings to me. She came back on the line, and told me she would call back within the hour.

When she called back, she stated " XXXX, after reviewing all letters to you, I can confirm I don't see any correspondence notating a future rate increase. '' She subsequently sent me to another department for review. Days later they got back to me, and told me " a marketing letter was sent to you outlining the upcoming change. '' This is a complete lie, and it never happened.

They are increasing rates across the board, and then subsequently telling the consumers that complain that in accordance with the law they sent a letter detailing the upcoming rate increase.

LIE Show me the letter? I'm sure you have a digital copy, where is in my online account?

CRINIMAL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Mortgage.

I refinanced my loan in XX/XX/XXXX with Ocwen. It was a refi which my assumption was through the government, at least thats what they lead me to believe.

I was in a subprime loan ( don't ask me how that happen but it was a family friend who said " He Was Going To Help Me Out ''.

I had put down over {$100000.00} on the home and trusted my brothers friend, that he was doing something good for me.

I did get a refi loan for 2 % fixed till XX/XX/XXXX which was great because from Ocwen and was led to believe that there was no balloon payments near the end of that loan.

I even file a complaint with your bureau during that time because they would not give me a straight answer.

You guys got involved during that time XX/XX/XXXX, and the end result was and your bureau and my wife and I concluded, that there was no " balloon '' payment on the maturity of the loan.

I am finding out that this may not be true, yet all the paper work I have from Ocwen does not mention in any way shape or form anything about a balloon payment whatsoever, and when I question my account manager XXXX XXXX, he told me several times that there was no balloon payment.

I never missed a payment with my mortgage not once till reps a Ocwen told me in order to refi and get this government back refi so I did, got the loan and though everything was good.

2 % fixed till XX/XX/XXXX sounded great, but now that I believe that there is a balloon payment it does not sound so good.

Can you help me once again.

Thanks 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 2018-07-02 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I notified XXXX that Diversified Consultants in the amount of {$850.00} and XXXX XXXX  in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX  in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed XXXX that I was a victim of identity theft. XXXX fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the heck is XXXX   validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
This complaint is against Seterus. They verbally approved me for a forebearance until XX/XX/2018 due to hurricane Irma. Today I received a demand letter accelerating my mortgage.

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 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
Ive recently was notified by checking my credit report, that a unfamiliar debt was posted on my credit report. The account debt that was posted was by LJ ROSS Associates for a XXXX XXXX XXXX. I have dispute this matter with XXXX as well XXXX. This is not my account. I have not lived in that apartment in over 5 or so years. When I have moved from that location, I called XXXX  to discontinue services. My balance was at {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My complaint is against Carrington Mortgage Servicers LLC. On XX/XX/XXXX they denied an offer for a short sale that was submitted. I received a letter dated XX/XX/XXXX stating that the short sale was declined. There were two other offers previously submitted the bank did not process any of the offers in a timely manner and was not responsive to the offers submitted. I believe this to have been an intentional willful act to further subject me to intentional emotional distress. The foreclosure proceedings began on or about XX/XX/XXXX and started shortly after the sale of the home. I've produced personal documents including bank statements and pay stubs several times and the bank was not responsive in processing the short sale offers. I believe they intentionally delayed processing of the offers. The last communication states that the loan is now governed under the Hud SLFS. Had they processed the offers timely the property would have been sold. Now they continue to send me collection notices the last one dated XX/XX/XXXX stating that I owe in excess of $ XX/XX/XXXX. They sold the home to me for $ XXXX the home is valued on or about $ 160k. I would like them to be investigated in relation to their negligent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My mortgage was through XXXX XXXX. It was bought by XXXX. Then it was bought by XXXX XXXX. Now I receive a letter saying it was sold to PennyMac, BUT the terms are not being honored. I had automatic payments through XXXX, XXXX   and XXXX XXXX. This covered my Principle, Interest, Insurance and Property Taxes. PennyMac says they will not take care of that in this letter. XXXX XXXX NEVER said they were selling my loan. In this day and age of fraud and corruption no one needs this from finance companies.

When mortgage companies assume a mortgage are they not supposed to honor the terms and rates of the loan, especially a VA LOAN!? If it's not a law WHY DON'T WE MAKE IT ONE!

My mortgage is not a Grifter 's game for banks to play with. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
I got a loan for {$900.00} 5 months ago. I have made 10 biweekly payments of {$230.00}. {$2300.00} in payments on a {$900.00} loan. Never late, never short. I called to see why the loan wasnt done being paid off yet and they said I owed almost {$600.00} to close the loan. THIS IS CRIMINAL taking advantage of people in dire need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter on XXXX from MCM ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from XXXX XXXX XXXX XXXX. MCM informed me that the credit card from which this debt occurred was created in XXXX and that MCM purchased the debt in XXXX. I never opened a credit card with XXXX XXXX nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since MCM made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the XXXX XXXX XXXX XXXX Account Number is :  XXXX And the MCM Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX from XXXX ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from GE Capital Retail Bank. XXXX  informed me that the credit card from which this debt occurred was created in XX/XX/XXXXand that XXXX   purchased the debt in XX/XX/XXXX. I never opened a credit card with GE Capital nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since XXXX made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the GE Capital Retail Bank Account Number is : XXXX And the XXXX Account Number is : XXXX Thanks very much for your time and help ; 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 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am a customer of direct who offered me 90 days modification during hurricane Irma. I made XXXX  and XXXX payments on time but the XX/XX/XXXX payment I attempted to pay but their office was closed and their automated system will not accept my payment. I then attempted to schedule a payment on the last day of XX/XX/XXXX however their office was closed again. Their documents states their office is opened on Saturdays however the system stated the office was closed. I called customer service and they stated my modification will be denied since I did not make the XXXX payment on time. They did not offer any more options. What do I do I'm this case??

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
National Default Servicing Corporation ( NDSC ) has contacted me outside of their role as Trustee and made multiple contacts via written correspondence, visits to my private residence, and by telephone relating to the XX/XX/XXXXTrust Deed between myself and XXXX XXXX XXXX XXXX XXXX 

NDSC did not become the Trustee until XX/XX/XXXX when the Substitution of Trustee was recorded in XXXX XXXX County where the property resides. Their first contact was made in XX/XX/XXXX and made the knowingly false representation ( or NDSC should have known the representation was untrue at the time they made it in writing ) of being hire by XXXX XXXX XXXXXXXX to begin foreclosure processes on a delinquent mortgage debt. While steps may have begun to make NDSC the newly substituted trustee, NDSC did not become the Substituted Trustee until the proper document was recorded on XX/XX/XXXX. Therefore, any representation as to the substituted trustee made by NDSC prior to the recorded document date is a willful misrepresentation on their part. 

Resolutions at this point must include an admission of fault and/or wrong-doing in writing addressed to me and XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation