vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOLL BROTHERS INC
State: FL

Complaint narrative:
In mid XX/XX/2015 my wife and I entered into a contract ( see attached ) with Toll Brothers to build a new house at XXXX XXXX in XXXX Florida. Despite the fact that their representatives ( XXXX XXXX XXXX XXXX XXXX ) knew we had at the time 8 rescue dogs, they induced us to sign a contract and send earnest money in the amount of {$110000.00} knowing that the ultimate bylaws of the XXXX ( when the property was turned over ) would never consider 8 dogs a " reasonable number of pets '' as per the bylaws. 

Toll Brothers Mortgage also failed to produce an acceptable mortgage at which point we formally withdrew from the contract in accordance w/ its terms and conditions. In reaction to our formal withdrawal they sited a portion of the contract dealing w/ " color selections '' ( see attached ) and said we voided the contract by not choosing them in time and that they were therefore entitled to retain our full earnest money. This position is despite the fact that they have since sold a home on the subject lot and can substantiate only $ XXXX in incurred expenses. 

Their company practices became even worse when, after {$15000.00} of legal expenses, they agreed to non-binding mediation only to reiterate that they were entitled to retain the entire earnest money. They would agree to return {$70000.00} ( representing a {$47000.00} loss plus {$15000.00} in legal fees to me ) despite admitting they had sold the property and they had little by way of actual damages. This is a terrible company with no ethics that should be avoided at all costs. We only wanted a reasonable offer which we felt would be in the area of their actual damages of approx {$17000.00} of out of pocket expenses. 

It should be noted that your agency recd many similar complaints ( FOIA request to follow ) and we feel by dropping any further action against Toll Brothers you are leaving more consumers on their own to deal with an unethical company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I was notified via XXXX XXXX that I owe {$150.00} to XXXX XXXX XXXX for a utility company that is not mine in XX/XX/XXXX. My wife and I contacted XXXX XXXX XXXX and the rep requested I send the package as well as the police report, I attached to this email and was told they would review it for fraud. The collection was removed from my report shorty after so I assumed my file had been reviewed and found in my favor and removed from my credit report. 

When the collection was placed back on my credit report recently in XX/XX/XXXX We called XXXX & XXXX requesting an update. We were told by a rep by the name of XXXX that my file was never reviewed since the rep who it was originally assigned to has left the company. She then said she would review it now and call back at the end of the business day. When she did she said that XXXX XXXX XXXX would not investigate my file for fraud since I did not have a current utility bill. We reminded the rep, as we did in XXXX that I was living at my in laws home at the time and was unable to place utility bills in my name and when I moved to the other address ( Box XXXX XXXX, I was denied utility credit. We asked that they stop reporting this since XXXX & XXXX opened this account without my authorization, signature and no ID to confirm my identity. The rep refused and denied an investigation again. 

We explained to the rep XXXX that the suspect has opened other accounts and that there was another, possibly more victims. XXXX XXXX, who we am in close contact with is another victim to the same suspect, we requested they look into the information but was again denied. 

We called back a few days later and requested any information on this collection be sent to me via mail so that we can file another police report specific to this account and send a copy to the bureaus who are reporting this collection, we gave our current address and am waiting on the information now. 

The police report shows that the suspect in the case is the one who in fact resides in the area XXXX XXXX  XXXX services. We have also filed a report with Identity Theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Serving, Inc.has a scheduled foreclosure on my house XXXX XXXX, XXXX. The assignment being used is a robo signed by well known robo signers. XXXX XXXX  XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cut of date for this trust was closed when the assignment was created, and conveyed. The Pooling and Service agreement states the all mortgages must be conveyed prior to the cut off date or closing date of the trust. This can be found in section 201 of the loan trust filed with SEC. Therefore, the assignment is fraudulent, and fraud can not be the bases of obtaining a deed. 
Select Portfolio, was in the process of restructuring my loan while in this process of modifying my loan they denied me for any type of work out. I advised the of the DUAL TRACKING LAWS. I asked them to stop my foreclosure and they refused. 

The final issue is they have not responded to my demand for debt Validation Proof of Claim, or QWR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
jumping to few months back XXXX XXXX XXXX ) ... rather beginning the story from XXXX. 

around the month of XXXX i had contacted M & T Bank customer service regarding why i got enrolled into forced escrow program. was told because they paid the back taxes, i told them i paid them and sent the proof of payments via email to the email they provided me. 

then another call i made to follow up regarding how the increase is was too much for me and again, why did it go into escrow?!? rep told me : " oh if you send {$530.00} and request to be removed via email to the same email address, it will be removed from escrow and then you 'll be responsible for taxes '' i said - " fine ''. 

no resolution and then i received a statement with a balance of {$5200.00}!! i called again and was told to send an odd amount of {$750.00} on XXXX and went to a local branch and made cash payment. at the branch had to call customer service with the teller because the teller had know idea what to do with the payment. customer service explained it to her and took my payment. still did not remove me from escrow. 

called after day to confirm the payment and still no help and then was transferred to home owners assistance program. i explained the hardship situation to the guy and the guy said " sorry there 's nothing we can do. '' my mortgage jumped from {$1900.00} to {$2500.00} which is a {$600.00} increase that i ca n't afford because of the forced escrow program without any notification. 

my tax XXXX gross income was {$54000.00} struggling to survive with other expenses and life. i 'm sacrificing money to go to M & T bank mortgage because i do n't want to go into foreclosure. 

XXXX XXXX i went into XXXX XXXX and i do not have health insurance because i ca n't afford it. i am going to get hit with approx $ XXXX XXXX bill and do not know what i 'm going to do. 

on another note : i 've also called a few times last year to ask to reduce my 6.25 % interest rate and again was told there 's nothing they can do i guess if fine with the escrow program but i need help to reduce my payments so i can continue to live at my home. i 've asked on multiple calls what can we do and continued to say " there 's nothing we can do '' or " when you go into default, then maybe we can help '' which i do n't want to do to jeopordize my credit which i 'm slowly re-building. 

hope you can help? thank you in advance, 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 2017-09-27 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: TN

Complaint narrative:
As you already know, Equifax was part of a credit breach of millions of Americans. My whole family was affected. It costs {$7.00} to put a freeze on our credit. That amounts to almost {$70.00} to freeze credit for our household. They told me I had to contact my attorney general in my state about this. I think Tennessee should be wavering this dollar amount because so many Tennesseans are affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX Alabama on XXXX XXXX, XXXX for {$14000.00} and have made monthly payments of {$380.00} since. My balance is at {$10000.00}. After five years of paying {$23000.00} on a {$14000.00} loan I have only paid less than {$4000.00} in interest. My payment this month went 100 % toward interest ( after 5 years of paying ) and my payment last month of {$380.00} only put {$61.00} toward interest. In early XXXX of this year I paid {$1000.00} and asked that it put directly toward principal as it was besides my normal payment, Santanders put {$210.00} toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the {$61.00} toward principal and this last payment, none.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I have been trying to get a loan modification from Select Portfolio Servicing for 4 years. At one point, they did send me a letter stating they had all the documents but then ended up starting another application. My financial hardship began with the loss of my job, terminal illness of my husband and just got worse. I stayed in contact the whole time with SPS and it was always the same response - they did n't receive all of the documents. At one point my application got caught up because they insisted I send in a copy of my cashed XXXX check. This would have to be obtained from the US Treasury and is impossible to get. They have ignored my requests and I submitted a loan modification offer. After submitting this offer, I was confused as to which modification application we 'd be working off of and knew they could not proceed with both as it would be dual tracking. Due to this and the XXXX this has all caused me, I was working on the documents needed. In the meantime, the foreclosure was not cancelled - again, dual tracking. With the foreclosure scheduled, SPS had no intention of ever giving me any type of modification and is now trying to foreclose illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When checking on my credit I noticed a hard inquiry. I called the company this was from and they stated that the people who applied credit on that day had different dates of birth and social security numbers. 

They told me I had to take care of it

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 2017-09-27 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: FL

Complaint narrative:
After the Equifax security breech, I checked the site to see if I had been affected. I had been affected by the incident. I tried several times by phone and the online site to place a security freeze on my credit information. The message I got was to mail my information and request that Equifax place a freeze as they were unable to process my request by either the automated phone line or the online form. I did not feel comfortable sending my information by mail to the company that compromised my information in the first place. 
The one live person that I reached by phone told me that she did not know the number for me to call to directly freeze my credit with live help. She said she could only give me the number to signup for their credit monitoring service ( which I would never subscribe to ). 
Should it be this difficult to sign up for a credit freeze? 
I want Equifax to freeze my credit information without having to submit additional personal information. 
They are making it very difficult to give me the peace of mind by freezing my credit. This should be my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I have received letters from 2 different companies stating that I owe them money. On both occassions I have sent disputes and requested information that supported that I owed them money to which I have never received. Instead from the last letter I sent I received a notice that I am being sued along with a letter. Again I am responding with a letter demanding proof. All the while this information even though it has been past the 30 days from the date of my second letter it is still showing on my credit report. They have been unable to provide me any information that I signed a contract with them, that I owe this debt, that I entered into any agreement with them, nothing. The letter they sent me along with the fact they were suing me was received on XXXX/XXXX/XXXX and they refused to date the letter however the lawsuit is dated XXXX/XXXX/XXXX with everything typed but the actual date ( 18 ) part, and that has white out on it. I find that interesting since that would be one day before 30 days is up. Highly unlikely. Please see all attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.

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 2017-09-27 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: MN

Complaint narrative:
After the Equifax breach, I decided to put a freeze on my credit with all three agencies. I was easily able to do so with XXXX and XXXX, but Equifax 's site kept crashing on me. I tried six times, but it would always freeze up and then tell me that it was unable to complete my request at this time and to try again later. So a few days ago I tried again, and apparently there is already a freeze on my account ( and believe me, I 've never even heard of putting a freeze on my account before this breach, so it could n't have been something I did previously )! But I have no PIN number because I was not the one who put the freeze on it! What am I supposed to do? I tried contacting Equifax to no avail, also sent a XXXX message. If an appropriate freeze was put on my account, they should have sent me a PIN number- so I do n't know if someone else already put the freeze on my account and has the PIN number! What do I do? I 'm really freaked out!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACS Education Services
State: CA

Complaint narrative:
To be noted the issue has nothing to do with understanding lending practices therefore the reason the name of the university was not provided. 

XX/XX/XXXX I wrote to XXXX disputing the ACS account in my credit file. 

ACS did not respond within 30 days XXXX this was confirmed with XXXX on XX/XX/XXXX ) and their trade line was removed from my credit file. 

On XX/XX/XXXX I received a copy of my credit report without it being requested. I was received because 1. after 8 months ACS responded to the XXXX dispute and 2. as a result of my disputing the account via XXXX. 

To be noted : 1. ACS reported to XXXX the item was updated from our processing of your dispute in XX/XX/XXXX. I did not make a dispute with XXXX about ACS in XXXX XX/XX/XXXX, it was made inXX/XX/XXXX ( 8 months prior ). ; 2. ACS responded to the XX/XX/XXXX dispute 8 months later ( this was confirmed with XXXX at XXXX on XX/XX/XXXX ; 3. Prior to XXXX XXXX, ACS did not report to XXXX ; 4. There is no need for ACS to continue reporting, in XXXX I transferred the account to XXXX of which ACS continued to report after the account was transferred. 

I 've attached the XXXX XXXX XXXX, XXXX results summary supporting the trade line was deleted. I have my credit reports for XXXX and XXXX which also show the same and if needed I will scan them and provide.

Company response to consumer: Closed with explanation