vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LD Holdings Group, LLC
State: OK

Complaint narrative:
I took out an FHA mortgage loan through Loan Depot to buy our home a few years ago. Our family has run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because Loan Depot has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$11000.00}. I am not able to do this and believe there are other options available, but Loan Depot is saying there is nothing else I can do and even if they did work to modify me it would only save me {$60.00} a month. 

When we applied for the loan my wife and I were both gainfully employed ( I have worked in the XXXX for XXXX years XXXX and my wife works in XXXX. We had sufficient incomes to pay our mortgage payment and everything was fine the first couple of years until the oil industry took a dive. Overnight my hours were dramatically cut which drastically reduced my income. In that same time frame my wife began having some major medical issues and started having restrictions at work. This made it difficult to keep a job or any type of regular hours. Because of these two issues we began struggling to keep up with our payments and eventually feel behind on the loan. We contacted our servicer Loan Depot as soon as we missed our payment to try and get them to work with us. We had been told that FHA loans had many programs available for struggling homeowners -- our income was lower than when we bought the house and we were led to believe that there were programs that could help us. We were shocked at the way that we were treated by the Loan Depot agents. It was very difficult to communicate, we had to send and re-send the same paperwork on multiple occasions and then are told that if we were to ever get approved for help we would only save {$60.00} a month so it is not really worth it. I do n't believe this is the way Loan Depot is supposed to handle our loss mitigation request ; I do n't believe that Loan Depot has given us access to all of the FHA programs that should be made available such as modification, forbearance agreement, repayment plans or partial claim. 

What is most frustrating is that during this lengthy review our delinquent amount has continued to increase -- -we attempted to make a payment a few months ago but were told that it was not possible to make a payment anymore unless we paid the entire delinquent amount all at once. This is just not possible. My wife is working full time again and my hours have stabilized and we can afford a reasonable payment. I feel that we are headed to foreclosure unless a miracle happens. That does not seem right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This complaint is against Diversified Consultants. I am not sure why this is reporting on my credit as I 've never had an account with Diversified Consultants as the notes under the account indicate. According to my credit file, the account number starts with XXXX. I have never had a contract with this company for services rendered. At this time, they are saying I owe them almost {$790.00} and yet, I have no idea for what. I have challenged this with the company and XXXX on numerous occasions in the past and as of this date, it is still reporting on my credit. 

This negative item is hindering my ability to move forward to buy my family a new home. There is no reason for this account to be on my credit when it does not belong to me and it has already been proven to not belong to me. By reporting someone else 's account on my credit, my rights as a consumer are being violated and this is why I am bringing my complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
We applied for and were approved for a loan modification. After the third trial payment was made in full on time we were advised of a judgement/Lien. We took care of this immediately and provided the mortgage company with a warrant of satisfaction which was obtained from superior court. This warrant states that the judgement in question was paid in full and judgement closed. The mortgage company then requested county recording information. As it appears our county does not do this and was unable to provide us the requested documents. The county records clerk provided us with a letter stating this letter was not available, which we also forwarded to the mortgage company. Upon follow up, we were advised that our modification was closed, they would not allow us to talk to loss mitigation, actually refused to transfer to that department. After stating our obvious disagreement, we asked mortgage company to send out a workout package. We called to follow up because we did not receive the packet, and was advised to print it out. A few days later we received a letter stating the sent our file to attorney to commence foreclosure proceedings. This is absolutely unfair. 
In addition our mortgage company did not record our mortgage with the county until approximately 4years after obtaining it. They want to hold us accountable for not being timely submitting a document that does n't exist for us but can not be heldheld accountable for their insufficiencies with the same entity ( county ) I feel we are being bullied and not properly treated. Any assistance will be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Received alert on credit report on XXXX/XXXX/XXXX regarding negative info from Allied Collection Services Inc.. I looked up number for this company and called them. I stated to them I have no knowledge of this debt and was never notified regarding this debt because Inever received anything in the mail. They told me the debt is from a company called XXXX XXXX regarding a payday loan inXXXX of XXXX. They said a letter was sent out to an address that I lived at more than 10 years ago. I asked them to send info in the mail. I received the info today and it states the account has been updated to to show as disputed. Not Acceptable!!

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 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from XXXX XXXX XXXX XXXX, XXXX out of XXXX representing LVNV Funding LLC as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the XXXX office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very XXXX- the calls and letter.

Company response to consumer: Closed
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: MD

Complaint narrative:
I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I closed the account and left the country. I lived in XXXX for the next 5 years and come back to realise that i have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OR

Complaint narrative:
I applied for getting a house loan with mortgage solutions in XXXX 2016. I was led to believe I was approved and received a preapproval letter of {$270.00}. Everyday he was telling me tomorrow you will get your approval letter. Our closing date was XXXX/XXXX/2016 he wanted us to extend it. The seller extended the closing date a few times. He still was promising the next day we will hear from the underwriters, he played this game for three months. Finally XXXX/XXXX/2016 after my friend gave me 20 % down and he came to the bank to get the bank letter he said he needs to send this to underwriter and they will send an approval letter and we will close the next day. On XXXX/XXXX/2016 I insist for him to give me an answer since we were close to XXXX weekend and the schools were opening we still had no house to go to, my daughter did not know where she would go for school, I was living in boxes since the week before the original date of closing ( XXXX/XXXX/2016 ) and I ended up paying double to continue staying in my apartments after I ended my lease. It was the most terrifying experience to buy a house with this lender, for me and my children. Everyday I was under the belief that we are getting the approval the next day for three months. Finally XXXX/XXXX/2016 he wrote a I am sorry letter and that the underwriters only approve me for {$180000.00}. He said in that letter that the underwriters did not accept the child support income for the loan. This information and all my information were clear from the beginning and he admit at some point and apologized for letting me to believe I was approved when I was n't for the loan. I am a single mother of XXXX children. I lost the property and even though I found another lender the same day and they approved me in three days this interaction with mortgage solution made me lose a lot of money ( the appraisal, penalty of staying longer in the apartments and paying double for each day ) and the lender was completely aware of my family situation and the stress of not knowing where we should live. The lender was well aware of us having to walk through the house and we were all ready to move in. The seller did not agree with extending the contract with the new lender and we ended up losing the house. 

I have all of these documentations and If I can provide more information please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? 

This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. 
It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. 

I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. 

***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EOS Holdings, Inc.
State: WI

Complaint narrative:
Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am submitting a second complaint on early warning because I have sent them a rebuttal letter on the reinvestigation they have done with the negative reporting with XXXX XXXX. I have contacted XXXX XXXX and they have not been able to provide me with documentation supporting there reporting of transacting or attempting to transact in an unauthorized or prohibited manner. Early Warning has referred me to the Data furnisher of the information which is XXXX XXXX and XXXX XXXX is trying to refer me to another institution which is XXXX Bank whom the information has been removed from my early warning file. I am going to attach XXXX XXXX 's CFPB complaint response where they are trying to refer me to another institution for what they have been reporting to Early warning services. This is a complete violation of my FCRA rights. I am attaching my rebuttal to Early warning services and the XXXX XXXX response to CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONWIDE ACCEPTANCE LLC
State: GA

Complaint narrative:
I have contacted and sent Fraud Affidavits to Nationwide Southeast. Also, I have disputed this account with XXXX and XXXX who stated that Nationwide Southeast verified that this account belong to me. I find that hard to believe since I was never able to get a response back from Nationwide Southeast. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To whom this may concern, I have requested my Early Warning, consumer file multiple times via phone and letter, yet I have not receive a copy of my report and have had suspicious activity ongoing in my other consumer files and believe identity theft is ongoing. I am requesting that Early Warning provide me with a copy of my consumer file and please have it shipped via a trackable postal method to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. 

( I have had lots of missing or stolen mail and this requires the use of trackable mail to avoid the document being stolen or lost and exposing more sensitive information. ) For the purposes of fulfilling this request, here is my personal information : Full Name : XXXX XXXX XXXX DOB : XXXX Phone : XXXX SSN : XXXX California DL # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. 
Passport Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Despite my written request to them, the company has failed to provide me with validation of an account they had reported on my credit report, They have persevered with reporting the account on my credit report in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST
State: NE

Complaint narrative:
On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.

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 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation