vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Forthright Funding Corporation
State: CA

Complaint narrative:
In XXXX of 2015 I was offered a streamline reference opportunity by XXXX XXXX and XXXX XXXX from Forthright Founding on the first conversation and multiple conversations during this process I was reassured multiple times on a recorded phone line that there would be no out of pocket expenses to myself. On XXXX/XXXX/15 I was contacted by XXXX XXXX to go to my bank and wire {$830.00} to XXXX XXXX XXXX XXXX witch was the cost to close and if I did n't get to the bank and do it immediately the streamline would not close that month. After filling a compliant against Forthright Founding I was contacted by XXXX XXXX who has confirmed the {$830.00} was cash to close and I was simply given a better deal for paying the cash to close, however this was a bait and switch by Fourthright Founding. I was baited by being told there would be absolutely no out of cost expenses then called and rushed at the last minute to wire {$830.00} to XXXX XXXX XXXX immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
The company that is collecting for this debt is National Credit Adjuster. I 've only spoken to a person twice. The first time i spoke to a woman i was asked to verify with my last XXXX given the mini miranda and asked if i will be able to pay the bill today. I explained that i wasnt able to pay and she tried to set me up with different options i wasnt able to set at the time. That rep proceeded to tell me my acct would be marked as a refusal to pay, even though i explained i wanted to take care of the balance. I just wasnt able to at the time. The second time i spoke to a man. He verified a previou road i lived on, not the physical axdress, gave the mini miranda and asked if icould pay the balance today.I told the rep i am not able to pay the balance but i did attempt to pay the original creditor and they didnt have a record. He explained that they own the dept now so they wouldnt have a record and when i said again i couldnt pay now the rep on the line abruptly hangs up on me. They have not recived tcpa on my line i was only asked if it was a good number by the female rep and hung up on by the male rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello, I have been in dispute with XXXX account on my Equifax report, The accounts are as follows : XXXX XXXX XXXX ref # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus

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 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I went into XXXX XXXX of XXXX XXXX in the intention of buying a car. I bought a XXXX XXXX XXXX, signed all the appropriate papers needed to complete the process. I signed the contract, left and was told on XXXX/XXXX/XXXX that I had to call XXXX and clear my fraud alert. I have a fraud alert because I am going through identity theft. I called XXXX the next day and was told by XXXX to go online and continue the process there. I did as I was told but it was not fast enough for XXXX XXXX, which to my understanding XXXX was not able to get funding for the contract. They kept calling demanding, pressuring and threatening me to taking my car if I did n't do my part. I stated that it took 5-7 business days for that process to go through. I was surprised that they let me go with a new car without doing the required process for approval. 
After verbally being told I was going to get the car taken away, I had had it with the company. On XXXX/XXXX/XXXX I told XXXX XXXX that I wanted nothing to do with the company. I told them that I was going to return the car and wanted an unwinding paper stating in the documentation about everything that had happened. The company waited until XXXX/XXXX/XXXX to comply with my demands. They still tried to have me keep the contract but I wished to have nothing to do with them. As of XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX took full responsibility in the issue and stated that they were going to unwind the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I got a student loan with Navient, which my father cosigned on. I have been making payments on this loan since then, which is 12 years, on time every month. My father passed away on XXXX XXXX, XXXX. So I let them know that he had passed, And they sent me a letter stating - That my cosigned student loan has been referred to XXXX XXXX XXXX to resolve the outstanding balance. They may attempt to contact the executor of the cosigners estate. If I provide a new, credit worthy cosigner for my loan, they can recall the account from XXXX XXXX. The promissory note that I signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away, however, they wo n't declare the loan in default as long as I continue to make regular monthly payments. 
My concern is that they sent it to a collection agency already, and it will be going on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hello, We fell behind 3 payments to US Bank XX/XX/2014 shortly after XXXX. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Office of Brockman & Rollins, LLC
State: IL

Complaint narrative:
Multiple issues with the company of Brockman & Rollins. They repeatedly call family members and even my previous employer ( they 've NEVER attempted to contact me directly ) saying that they are trying to reach me to serve papers and that I will be arrested for failure to appear in court ( sharing that information with anyone other than myself is illegal ). They have told every single person that they 've spoken with about how much they claim I owe ( illegal ), and that they need to find me as soon as possible and that someone had shown up to my house that day in an attempt to serve papers and that I was n't home. First of all, a legitimate process server is n't going to call me ahead of time to warn me that they 're coming. Second of all, I had just happened to be home that day and NOBODY had shown up. Period. These people call about every six months for about a week and then stop and they start up again about six months later. They are bullies, they are liars, and they use illegal intimidation tactics in hopes that I will be scared enough to pay them money without questioning it. After researching the company of Brockman & Rollins, I 've discovered that they were previously operating under the name of XXXX XXXX XXXX and that company was shut down due to the fact that it was a debt collection scam " company ''. They think they 're slick, changing their name. The company has been in " business '' for less than a year. It could n't be any more obvious that this is a scam attempting to scare me into paying money on a debt that I do not owe. When I questioned what the debt was for, they could n't provide any answers as to what the debt was for, just that I owed them money. I have never received a Verification of Debt letter from them ( illegal ). These are not the practices of a legitimate debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a charge account at Dillards and the account is managed by Wells Fargo Bank , N.A . I paid the very first statement in full by mail. Wells Fargo Bank failed to credit the account for the first payment. The second account statement arrived in today 's mail They are charging me a late fee of {$27.00}. I phoned them today and wrote them directing them to close the account. I ca n't believe how dishonest Wells Fargo is. I would like to know how many people they did this to. I can not possibly be the first. They have undoubtedly done this to thousands of other people.

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 monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I contacted Transunion to have a negative report removed from my credit report. The reason it was on my account is because it is my fathers debt, and we share the exact same name. Due to our sharing the same name and address, they refused to remove the report, even though it 's from a debt on an account that was opened when I was XXXX years old. After I called them to try and rectify the situation, I was directed to a XXXX call-center, where the worker hung up on me after receiving my case number. Now there 's nothing I can do about this fraudulent charge that was a mistake on the part of Transunion and XXXX XXXX XXXX without hiring an attorney over a {$130.00} charge from XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: Stuart-Lippman and Associates, Inc
State: IN

Complaint narrative:
I was contacted by a Debt Collection Company on a debt against me and my company. I asked several times for them to send me proof of Debt, Itemized debt ... I was then submitted a letter saying if I refused to comply within 48 hrs I would be subject of an investigation of my personal bank accounts and property. After speaking with this very rude individual by phone and email. I stated that I would need any further documents by mail only. He continued to email me several times and call my work phone throughout the day. I informed him that I was familiar with FDCA and he would need to contact me by mail, with proof of debt. he continued the harassing by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP
State: TN

Complaint narrative:
I have been forced into bankruptcy. I notified Republic Finance, with a letter and my attorney 's information. The XXXX Tennessee office is the one that has been calling me they are located on XXXX, TN XXXX. They have been calling me and sending me letters. The last phone call, they threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX submitted my name for a collection that did not belong to me. I called and was not helped at all. They were not rude, just not helpful. I agreed to pay this bill as i was in a bind and needed it off my credit report, they agreed to delete and for quite a while it was off my credit report. It has shown back up and no one has attempted to help me get this removed. I could lose my job because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.

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 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Unfortunately it has come to my attention after paying my mortgage each month I was in defaultt for nonpayment by my wife. unknown to me they call me direct which I made my payment in full and and current and mailed it to them. but they sent it back stating the next payment was due and return The check back requesting another payment due each time and each time they will send another check this was done numerous times .till I was sent a foreclosure notice and then the sent The checks. I imediately retained a lawyer to represent me in the foreclosure matter .I was told that this would take some time. after waiting for an extensive amount of time. I went back to the lawyer what I was told that there was no set date yet. fed up with waiting on XX/XX/2016 I want for consultation with another lawyer. when she did her research on the case file it was brought to our attention then that the foreclosure process was done and the house is sold one year prior. they stated we were notify about the whole process by sending notice to XXXX kids in college XXXX XXXX an XXXX XXXX there were no notices or statements I was not notified in any time or anyway. I was never given a chance to protect my house which I invested in or shelter for my family. I was treated unfairly even at the closing purchase of this house I was told by my by my lawyer in all his years of practice he has never seen anything like this I was fed to the wolves. to whom it may concern I am asking you to take a good look at these people and my case thank you in Advance XXXX XXXX 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 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract. 
If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request. 
If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything. 
The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.

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 2015-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made I can not make a principal only payment.

Company response to consumer: Closed with explanation