vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Loan Account # : XXXX Hello, For over a year now I have been trying to get a loan modification on my mortgage with my mortgage servicing company, Select Portfolio Company. I went through some very hard times and could not afford my mortgage then. However I went back to work and things have gotten better for me financially and have since pleaded with the mortgage company to modify my mortgage. For over a year now they have not given me the modification and my home is now in foreclosure scheduled for a XX/XX/XXXX sale date. 
I have given them all my financial statements that were requested including my income which includes my child support. They are refusing to use my child support and threaten to go ahead with the foreclosure on my home because according to them the amount is not the same every month. My monthly child support is a little over a XXXX and I receive it on a master card. I gave them the court order that shows the amount and 18 months monthly statement from the child support department proving I have been and still receive this income. 
They are however refusing to use my child support income because again according to them the actual amount received is not the same every month. They claim that because the actual amount receive is sometimes slightly more and sometimes slightly less than the amount ordered by the court that I get a letter from the department of child support explaining why amount varies. I asked to the court for the letter but was told they can not tailor a letter explaining why the amount receive is sometimes slightly higher. According to them they can only give me the monthly statements and the court order but can not tailor a letter to my situation. 
I explain this to my mortgage serving company and ask them to at least use the medium amount for every month but they insist they will not use the income at all however if they do not use my child support income that will disqualify me for the modification that is currently in progress with them. 
I have lived in this home with my daughter since XX/XX/XXXX and I am terrified that they are going to take our home away from us. I barely sleep at night. I do n't understand why they are refusing to use the child support when I have given them statements from XX/XX/XXXX to now showing I received at least {$850.00} every month. 
I am asking this office to please intervene and help safe my home. Please ask them to use all of my income and not deny me the loan modification. 
My mortgage company information : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX : Phone : XXXX Thank you 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 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Trying to obtain a payoff from Planet Home Lending, on XXXX/XXXX/2015 we faxed an authorization to release the mortgage payoff signed by the borrower. We follow up with the lender and was told that they did not received the payoff. We resent the request and follow up with a phone call to make sure the request was received. We were then told that the payoff was sent via Fax and for us to check our fax. We checked and saw no fax. We called back and was then told that they called the borrower and the borrower stated ; to not send us the payoff but to XXXX XXXX XXXX, which was not soo. We called the borrower and he stated that XXXX XXXX XXXX need the payoff to movwe the loan forward so when he called he told them to send to XXXX XXXX XXXX, he assumed that they would still send us the payoff we requested. So he called them after our conversation to clarify that they need to send XXXX XXXX XXXX company the payoff as well and that he was closing on XXXX/XXXX/2015. We need your help. We were hung up on twice by XXXX XXXX and was lied to that the borrower did not call them to authorize us getting the payoff, although we sent the XXXX authorization via FAX. This company should not be in the servicing business, they are like a boiler room!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: CA

Complaint narrative:
Changing date of debt and falsely reporting as a new debt each year. Two times they were asked to remove negative information on my credit due to original debt being over seven years old. Both times they changed the dates of the debt to claim it was still current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: VA

Complaint narrative:
I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, Chase XXXX XXXX XXXX, to mediate the dispute. After contacting both sides, Chase issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the Chase XXXX decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after Chase XXXX resolved the mediation in my favor. XXXX referred this debt to a collection agency, Chase Receivables. Chase Receivables continues to come after me for this debt, despite the fact that I have explained in writing why this debt is invalid. Furthermore, this alleged debt continues to be a black mark on my otherwise good credit report. 

I have contacted the XXXX Reporting Agency, XXXX, but they refused to remove the offending item from my credit report without offering any explanation. 

I am contacting the CFPB for their assistance in mediating this issue with Chase Receivables and to help remove this black mark from my credit 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 2016-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.

Company response to consumer: Closed
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: NY

Complaint narrative:
They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: NJ

Complaint narrative:
Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.

Company response to consumer: Closed
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company
State: ID

Complaint narrative:
In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be used against me in court '' -- -I advised that I was currently in a bankruptcy -- XXXX -- I gave the women my Attorney 's name and advised to cease all calls. The following 2 days by parents have been receiving calls from them stating they have paper work to serve to me and that I need to contact them. I again called and have information to them and again gave them a cease -- they called my parents again today from a phone number that can not receive incoming calls,.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was approved for a modification on for my mortgage. Which means making payments on time. Within 30 day US BANK advised that they will update my credit report to reflect current. I still see late payments on my credit. I have contact them. They told me my letter came from a collection agency. I sent these letters myself and had them notarized. How can you ignore my request. I brought this property for {$200000.00} and its worth {$98000.00}. This is sad. I do not want to have bad credit also. I pay on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: AZ

Complaint narrative:
XXXX XXXX at Scott Coruthers Law Office in CA has called me numerous times about a debt we have no clue is about. Even after we have spoke he continues to call friends, family and other people I do business with saying he is XXXX XXXX from a law office and he is trying to collect a debt. I have prove of the correspondence. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: MS

Complaint narrative:
My complaint is with Direct Express, the card used by the government to issue Social Security XXXX benefits. On XX/XX/2017, a deposit of {$910.00} was placed on the card. Around XXXX, I checked my balance, only to see {$17.00} available on the card. I made several attempts to call Direct Express. After about 3 hours and multiple attempts ( the call " dropped '' several times while I was holding ), the phone was answered by a customer service rep who informed me that there were several ATM transactions made in XXXX, totaling {$900.00}. There was also a {$2.00} transaction in which the 'card ' was swiped ( also made in XXXX ). 
I live in Mississippi. I have never been to Florida. I 'm currently in XXXX visiting relatives. 

I informed them that I did not complete or authorize these transactions and that I was a victim of identity theft. Direct Express canceled my card and will be sending a new card. I asked what I needed to do to get my funds added back to my account. I was told that I would have to wait 3-5 business days to receive the fraud forms in the mail. Once the forms are completed filled out and returned to them, an investigation would be started. In the meantime, I do not have money to pay my bills ( mortgage, water, electric ) or get back home. This is my first time in Maryland and I do not want to ask my relatives for money since I do n't know when/if I will be able to pay them back. 

This XXXX check is my only source of income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I would like to make the CFPB aware of unethical, possibly illegal interest-charging practices being carried on by US BANK credit cards. I am aware that US BANK has been sued for other illegal practices, and feel that someone with an expertise in consumer protection law relating to credit cards should look into US BANK 's interest-charging practices. 

Whereas all other credit card companies I 've ever used ( personal, business, etc : I 've had more than a dozen credit cards in the last 10 years ) charge interest on a balance only after the statement close, US BANK is charging interest on the entire balance for any sum not paid BEFORE the statement close date. In other words, it is quite possible to be charged a month 's interest on a purchase made 1 day before the close of the billing cycle. 

I am a US BANK XXXX XXXX credit card holder. I am happy to provide more information. I am not an expert in credit card consumer law, but have a XXXX XXXX XXXX from XXXX relating to Finance, own several companies, am fairly familiar with credit card practices, and believe that what US BANK is doing is unethical, if not illegal. 

Thank you for your consideration.

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 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I sent in my loss mitigation packet on the XXXX of XXXX. On the XXXX th of XXXX i received confirmation via email from XXXX XXXX stating that my packet was accepted as complete and in review. I receive this information via mail from us bank on the XXXX th of XXXX, this is more than the 5 days allotted for this to happen legally. I filed a complaint with XXXX and was told tha ti needed more information, this is saying that i should have received this information on the XXXX th of XXXX but i did not. I had contacted XXXX on XXXX, and several after and did not find out that i needed the information until XXXX. I immediately sent in the information via email to XXXX and was told that i was once again in review, more than 30 days after my loss mitigation packet had originally been put in review. This company is not completing my packet in a manner that is deemed timely by the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: FL

Complaint narrative:
They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am a short sale negotiator with XXXX. I have been hired by the sellers to facilitate a short sale on their property located at XXXX XXXX XXXX XXXX XXXX XXXX Oregon. I have submitted all documentation that is needed to process the short sale for XXXX however they keep insisting on giving them something that is not possible based on our local RMLS. That is an agent view of the MLS indicating how many days the property has been on the market. In order to go around this, I have submitted the full view of the MLS which shows when the property was listed as well as the a history view of the MLS showing the full RMLS history and dates listed or changed to SSP status. This does not suffice to the negotiator and she refuses to remove or postpone the Foreclosure sale date of XXXX XXXX only if I give her something that I am unable to give her given the tools we have here. I have tried explaining this to her via email, a generic email is returned asking for the same thing, I have tried calling, leaving messages with her, my messages have never been returned, i have tried calling into another rep or a manager and nobody can help me. 
This homeowner is trying to do a short sale with a buyer on the property and an accepted offer meeting the investor 's guidelines but now we have this issues that is being ignored from US Bank and not addressed as time is running out.

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 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
I 've received telephone calls from " XXXX '', who works for XXXX XXXX XXXX in XXXX, Virginia. Supposedly, I " owe '' a medical debt to XXXX XXXX for approximately {$48.00}. The Department of Veterans affairs authorized non-VA care at XXXX XXXX. The VA has a policy that any " authorized non-VA health care services is considered payment in full. The provider may not bill you or your health carrier for any services that were authorized and paid by VA. '' When I explained this to " XXXX '', he rudely told me to let him finish talking, and he stated that until I faxed him that VA statement, he would continue to collect the debt. I stated that it was illegal for him to do so per the health insurance policy. Previously I had given the debt collection company the addresses of the Department of Veterans Affairs. I question whether the company is in fact legitimate. I have received XXXX different telephone calls from XXXX different telephone numbers. XXXX of the telephone numbers was overseas. Each time, the person on the telephone had a XXXX XXXX XXXX and used XXXX names. I was asked to give my mailing address and my date of birth to " XXXX ''. I worry about identity theft issues, so I hope I did n't accidentally give the wrong person my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a modification. I was denied a modification, and any other types of resolutions due to " discrepancies '' on my application. In order to find out the " discrepancies '', US Bank is requiring me to get a subpoena to find out the basis for me my denial. 
I have consulted with an Attorney who thinks he spots the discrepancy which can easily be explained and proven. When I asked US Bank why ca n't you just tell me the problem and I explain, and their response is " our investors require you to get a subpoena in order to give the reason for denial. ''

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