vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TN

Complaint narrative:
Franklin American Mortgage Company ( " FAMC '' ) wrote a letter dated XX/XX/2017 that they had assumed my mortgage from XXXX on XX/XX/2017 & notified me that payments should be sent to FAMC, XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. In a letter dated XX/XX/2017, I was notified that payments should be sent to a new address at XXXX. XXXX XXXX, XXXX, NJ XXXX. I later identified the second address belonged to a company dba XXXX. FAMC did not notify me of this company 's name or that they would be servicing the loan. On XX/XX/2017, I contacted XXXX about receiving what appeared to be a phishing attempt from XXXX XXXX XXXX ( " XXXX '' ), XXXX. XXXX XXXX, XXXX, SC XXXX, with a postmark of XX/XX/2017. XXXX claimed I needed to enter personally identifable information ( PII ) into XXXX 's website : " XXXX. '' XXXX also claimed " in the event we do not receive this evidence of Master Insurance coverage, we plan to purchase coverage to protect our interests ... You will be required to pay us for any period during which the insurance we purchase is in force, but you do not have insurance. '' Please be aware that I quoted the prior passage from XXXX 's grammatically plagued XX/XX/XXXX letter. On XX/XX/XXXX I contacted XXXX about the apparent phishing attempt. XXXX claimed that XXXX was legitimate and that XXXX was making a legitimate request. FAMC did not notify me of this second company 's name or that the second company had the authority to charge me for insurance for information they had never requested between XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX I contacted South Carolina 's Secretary of State to identify whether this company existed as a registered business entity in XXXX. XXXX is not a registered business entity. On XX/XX/2017, I sent a QWR via certified mail with return receipt to FAMC Compliance Department - Complaints requesting more information on XXXX and to acknowledge the Master Insurance Policy for my building. On XX/XX/2017, I received a delivery attempt from XXXX. I visited a XXXX location & received my package. FAMC drafted a response on XX/XX/2017 ( that was not received until XX/XX/2017 ) acknowledging receipt of my correspondence. FAMC did not acknowledge that my correspondence was a QWR nor did they acknowledge receipt of the Master Insurance Policy for my building. Finally, FAMC gave themselves at least thirty ( 30 ) days to respond to my QWR. I need FAMC to acknowledge receipt of the enclosures included in my XX/XX/2017 QWR & to ensure that XXXX does not attempt to send invoices to me for information that was not requested until XX/XX/2017. Please let me know if you need additional information. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank offered a {$250.00} bonus to those who open a checking account with them and make 10 debits on it within 60 days. Three members of my family took advantage of that offer and the other two have successfully completed the debits and received their bonuses, but they singled me out for different treatment and froze my account without telling me. My debit card never worked and they told me I needed a new one but that one did n't work either. No one told me the real reason, and the 60 days is rapidly passing without my being able to fulfill my debits. Every time I ask what the problem is, I get a different answer, and every time I satisfy their queries, they come up with a new roadblock. I asked for my original deposit back if they would n't let me make debits on it, and they refused because they have frozen it. I have health problems and am depleted from dealing with this, with still no resolution. I have gone into the local branch three times and spent a great deal of time on the phone with them, as well as their HQ, including their fraud department. So far I am still being treated very differently than my other family members, who did exactly the same thing in exactly the same way. They keep making new requirements of me, that were not required of others, and when I meet their requirements they make new ones. Enough is enough.

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 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP
State: CT

Complaint narrative:
Faxed court documents over to XXXX to support my dispute advised it would take XXXX hours for documents to be uploaded in the system. Documents were faxed on XX/XX/XXXX time XXXX military time that would be XXXX eastern standard time ( note this is on the confirmation page of fax being received ). Today I called after XXXX window advised that the confirmed fax that was sent to fax # XXXX advised fax is not on file so I asked if they were behind with uploading information Supervisor " XXXX '' so no if I sent it-it would be on file today. I explained to the him I have a confirmation that the fax was received on there end but it is within XXXX hours and still not on file something is wrong so he told me to send again. The time period they gave me was inaccurate keep in mind I validated the fax number and dispute number before faxing and was told I had the correct information.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: PA

Complaint narrative:
I am a XXXX representing my client. His house is in foreclosure and has XXXX separate liens on the property. The first lien holder Selene Finance gave us an approval to list the property for sale as a short sale to avoid foreclosure. They told us that we needed to have it sold before XX/XX/2017 or it would go to sheriff sale. We put the house on the market and had it under contract for full asking price within 6 days at the approved price Selene finance told us to list it for. I sent the agreement of sale and all supporting documents they asked for to them to review and within a few days they issued an approval. The approval letter is dated for XX/XX/2017 but says we have until XX/XX/2017 to complete the process or this home will go to sheriff sale. 

The second lien is with XXXX. It 's a {$37000.00} Home Equity Loan. When I spoke to the representative at XXXX she gave me a list of documents needed for them to do their own valuation of the property and what they will accept as a final settlement. The representative said their process would take about 30 days to complete once they receive the documentation they needed. One document they needed was a statement of the first lien payoff balance which we requested from Selene Finance and have yet to receive thus pushing back the process for XXXX even further. 

After to speaking to my broker and other resources, it has come to my attention that Selene Finance is practicing something called " Dual Tracking '' and by doing this it almost guarantees that the homeowner wo n't be able to sell this house and avoid foreclosure. All we are asking for is an opportunity for the second lien holder to do their investigation and for the buyer in this transaction to obtain financing once all approvals have been given from both Selene Finance and XXXX. Please advise on what we can do to delay the sheriff sale on XX/XX/2017. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
first thing my mortgage started eleven years ago, started through my bank was sold to XXXX right away, i refinanced the mortgage went to XXXX, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with XXXX long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and XXXX said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said XX/XX/2017, then over a year ago Freedom Mortgage bought the mortgage, last month they sent me a escrow projection showing me paying PMI another year ( at least ) i asked them to remove the PMI and they told me id need an appraisal.. i sent a response saying i wouldnt pay for an appraisal because not only were my scheduled payments reaching 78 % LTV XX/XX/2017, but that my mortgage is currently just over 72 % LTV. According to what i read about pmi insurance XXXX should have dropped the pmi when i actually hit the 78 % LTV, but my complaint is with Freedom Mortgage, from what ive read on PMI insurance they are clearly in the wrong and violating federal law by not automatically dropping the PMI on their, i shouldnt have to request this and especially not fight with them.. obviously the loan is good standing im several thousand dollars ahead of schedule with no late payments.

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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
inquiry was removed from my credit report and it was reinserted on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The inquires on my XXXX credit report do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC
State: PA

Complaint narrative:
I borrowed {$600.00} XXXX XXXX/XXXX/2013 and added to it the sum of {$320.00} on XXXX/XXXX/2013 ... ..I made 12 payments ( ACH ) totaling {$1900.00}. I repaid more than double the principle ... .after closing my bank account ... .I was never contacted by the lender ... ..I did advise them that the loan was not legal in pennsylvania ... .I was contacted by a company in XX/XX/XXXX by the name of XXXX ... I ask them to provide details in writing which they did not and hung up ... ..recently ... they contacted me with threatening actions ... .I again ask for written details ... .never rec 'd ... ... then i called the payday lender ... XXXX ... they said they had no details of my account other than it was sent to XXXX. ... I called only to hear they sent to XXXX XXXX XXXX ... .they in turn sent it to XXXX ... .i called them and they said they outsourced to collection companies. ..but that they would pull back and cancel ... ..they gave me a number to call ... .Pinnacle asset recovery ... i spoke to the manager ... XXXX XXXX ... .he advised they wold close the account and stop all outsourcing ... ..i ask for email saying same but have not rec 'd ... ..he said they did n't want issues with Government or PA dept.of banking ... ... .I never heard from any of the above including XXXX until I heard from XXXX. I have banking details showing payments if needed.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CONDOR CAPITAL CORP
State: CT

Complaint narrative:
Company name is Condor Capital who was put out of business due to " Illegal Practices Against Customers '' under section 1042 Federal Dodd-Frank Wall Street Reform and Consumer Protection Act against subprime lender XXXX owner of Condor Capital was shut down. This company continues to harass me and is unable to validate the debt they say I owe I sent them a letter and a copy of my drivers license and social security in error and now they are telling the bureaus I owe them the debt with this piece of information. I made a complaint with the BBB which I will attach and you will see their finding are in my favor as well. They are reporting information to all bureaus and I want this removed also not the FTC also on a file on them as well on how the company was shut down and no longer in business. There is another company who is the same company contacting me called Condor Capital Securitization calling me on behalf of this company and I sent them my drivers license and social security in error dumb on my part so now they are using this to say this is their proof of what I mailed to them asking for debt validation they they refuse to supply original signatures they are using the my information I mailed to them ( driver license and Social security ) to validate. I want to see original signatures of this debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: State Finance Company
State: TX

Complaint narrative:
They have sent one of their " representatives '' to my place of employment. They are also coming to my home in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Revenue Assurance Professionals LLC
State: TX

Complaint narrative:
I believe my ex wife is not reporting my address/phone number to the pediatric doctor 's office our children go to. About two years ago, I discovered 3 charge off for medical bills from XXXX in XXXX, XXXX. The collection agency 's name is Consolidated Recovery Systems which also is in XXXX. After reviewing my report, I contacted XXXX and advised them I did not receive a phone call nor any bills from them. The call taker advised my ex-wife had told them she did not have any contact information on me in which she does. I also did not receive any phone call or written notification from consolidated recovery regarding the charge offs. Now I have the same problem again where I just pulled my credit report and found a {$91.00} charge off from XXXX from XX/XX/XXXX and it was updated on my credit report by consolidated recovery on XX/XX/XXXX. My ex-wife has my address and phone number and when I last spoke to XXXX, my number was the same as it is today. I relocated to XXXX, XXXX in XX/XX/XXXX and I have not received a phone call nor a letter from XXXX or consolidated recovery regarding this adverse account. Please help because I do n't understand how I 'm constantly receiving charge offs without notification and it 's damaging my credit. Had I not pulled my credit, I would n't have known about the charge off. It seems to me, there are no thorough attempts to contact consumers from consolidated recovery before they report charge offs. With technology today, It is not hard to locate anyone so I do n't understand why I 'm not being contacted. Whether my ex-wife is intentionally not reporting my address ( responsible party ) or the pediatric office fails to make attempts, I would expect consolidated recovery systems to do their due diligence before placing a charge offs on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Regional Management Corporation
State: SC

Complaint narrative:
Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? 
They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. 
I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! 
Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.

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 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2015 I had a checking account with Bank of America. At the time I was working for a local XXXX who paid me by Direct Deposit. At my pay cycle in XX/XX/XXXX my DP was issued, and bounced. The XXXX then wrote me a regular check which I deposited. The XXXX at the same time as writing me a manual check had attempted to push my Direct Deposit check through again. The direct deposit ended up going through so the XXXX immediately placed a stop pay on the manual pay check. While this was going on I was working with the branch manager to help me avoid any fees or problems with my account. Abruptly the manager and myself were told that my account was now going to be closed. They closed my account shortly after with a XXXX balance. But when I try to get an account somewhere else, I 'm told I ca n't get approved because Bank of America has flagged me as fraud. I have called and spent over 30 hours on the phone with them to resolve this, every time I am told the same thing " we see that this is an error in our system but we can not resolve it you need to send a letter to our risk department. So I have, 4 times, and they have not responded to me one time. I do n't know what to do at this point, I ca n't get a bank account and this affects every part of my life. Please help.

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