vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SERVICE 1ST MORTGAGE, INC.
State: PA

Complaint narrative:
I am deeply troubled by what has happened to my payment history as well as good credit rating after using an inadequate mortgage company to refinance my home loan. The following is a digest of what happened while going through their process. 
Mortgage CompanyXXXX XXXXSenior Loan OfficerXXXX XXXX 
Toll Free : XXXXDirect : 240-305-7886XXXX : XXXX # XXXXHistory : XXXX XXXX - Initiated original loan applicationXX/XX/XXXX XXXX - Loan is approved but we need XXXX mortgage company approvalXX/XX/XXXX XXXX - We still do n't have your approval. Please pay your XXXX payment and we will close in two weeks. 
XXXX XXXX - Since you made your mortgage payment. The amount of the loan changed and now we have to get approvals againXX/XX/XXXX XXXX - I asked XXXX about now being late for XXXX payment waiting for them to close the loan. I was instructed to NOT pay the payment we would close any day nowXX/XX/XXXX XXXX - Still no approval from XXXX or their underwriter. Again, I was told to hold off of the payment or it would delay the loan approvalMay XXXX - I was told that I was good to go and that they would set up the closing asap. 
XXXX XXXX - Apologies from XXXX XXXX but they now have to start over due to a credit change to my report. The credit change was the notation of a late payment for my XXXX mortgage. That was caused by them. 
XXXX XXXX - I was informed that the credit change has now disqualified me from my ability to be approved. The apologized and told me that there is nothing they can do. 

Summary of the Situation : The process of a simple refinance took over 4 months and due to the negligence of the loan officer, XXXX XXXX, my mortgage payment was late for the XXXX time ever. Even worse they then declined me for something that they caused. It was the most frustrating experience I have ever gone through. I also have never had a late payment of my credit report and now because of this I get unfairly penalized. 
Upon getting the notification of now being declined, I immediately paid my XXXX payment and also the XXXX payment as well as re-setup the auto payments for my account. Please feel free to look at my credit report and mortgage account to verify this. I also have saved every email from XXXX XXXX to verify their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Contemporary Information Corp
State: CA

Complaint narrative:
Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Tri-Counties Accounts Adjustment Bureau
State: CA

Complaint narrative:
Hi, I am a victim of identity theft. Someone used my personal information and identity for fraudulent gain. I did not create the accounts or gained any services or goods from them. When I became aware I was a victim, I reported it to the police, FTC and credit bureaus ( XXXX, XXXX and XXXX XXXX ). Account Recovery Services is a fraudulent account and is being reported on my credit report. I notified them via certified dispute letter with a copy of my police report, FTC affidavit, identification, current mailing address and explained to them the debt was not mine and a result of identity theft. Account Recovery Service verified the fraudulent account with the credit bureaus and have not removed their reporting of the fraudulent account, ignoring my disputes. The debt is n't mine and is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: GA

Complaint narrative:
I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Rushmore Service Center, LLC
State: SD

Complaint narrative:
Beginning XXXX, Rushmore Service Center LLC started harassing my workplace, my co-workers and my Supervisors. I work only a few days a month at my workplace and do not even live in XXXX XXXX SD. When the process server came to the business they showed the paperwork to our guards with personal information regarding me. They then refused to leave when told I could not come out or was not there. They followed and questioned co-workers about me and my schedule. Then a week ago they started harassing my Daughter at her apartment. They left a postcard in her door and today the taped a postcard to her apartment entry main lobby for everyone to see. Not in an envelope and had my name and her apartment # on it. I contacted the Atty General for South Dakota, XXXX XXXX and he instructed me to contact the FTC/complaint file/and to contact you. They are locating my children using XXXX and XXXX and they gather all of my children 's info, their spouse info/ssn # 's/phone # 's/neighbors # 's and cousin 's information including ssn # 's. 
They were told by my Attorney XXXX XXXX, XXXX SD, that they had to contact him and only him but they do not listen and now have released private information to my family, co-workers, guards at my work and Supervisor. I do not know what they want or are trying to collect. My spouse has XXXX and has medicare. I only work 2 days a week and travel to do that. It uses everything I make to keep coverage of health insurance at work. They were told 2 days ago by my Daughter that they have the wrong address and still posted a postcard with all of my information today in her entryway. At least XXXX people would have seen it today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Our mortgage was sold to Freedom Mortgage in late XXXX 2016. Our previous mortgage company sent a check to pay for the ( entire ) homewowers insurance ( {$1800.00} XXXX on XXXX XXXX. Then, Freedom Mortgage sent another check ( for {$1800.00} XXXX on XXXX XXXX, paying it twice. We found out about this when we received a check from our homeowner 's insurance for this double payment. My husband called Freedom Mortgage and ( after being told it was " impossible '' for it to have been paid twice by someone at Freedom Mortgage XXXX, was told to send a check with out account number and a note to " add to escrow shortage '' to a specific address. A check with those specifications was sent to the address given, and it was cashed in XXXX. I have a copy of the cancelled check from my bank. In XXXX 2016 we got an escrow statement showing our escrow was way below what was required by law -- -because they had never credited that check it to our escrow account. I have no idea where it was credited, but not to our account. We called and we were told to submit a copy of the cancelled check and a description of what happened to their customer service email address. We did on XXXX XXXX. And we heard nothing back. Then I sent another email ( forwarding the original with a new note saying we had n't heard anything regarding the issue ) on XXXX XXXX. I sent a XXXX email on XXXX XXXX, asking to please let us know the status within 24 hours. Nothing. So I wrote again yesterday again asking for an update within 24 hours, still nothing. I want to know what happened to our {$1800.00} and have it properly credited to our account!

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 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
It has been brought to my attention that my Banking institution, FifthThird Bank, allows my card information to be given out to entities that subscribe to this bank card information. This has been done without my knowledge. Also, I have asked the local bank manager some time ago to help me with some unaccounted for monies associated with my account. The manager informed me that there is a XXXX dollar an hour fee to assist me in this endeavor. I called the main customer service number about this fee. They informed me that there is no fee for this service. I was then instructed to go to another branch where I would not incur this fee. So the question remains. Where is the consistency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We were in process of getting our Mortgage refinanced with Guarantee Rate, XXXX XXXX Everything looked good, our XXXX was good our credit scores are average of XXXX. We had a BK in XX/XX/XXXX where a XXXX Mortgage debt was charged off in XXXX. We settles with XXXX for {$20000.00} for them to remove the lien, however debt was at {$0.00}. XXXX just had the lien on but we did n't owe anything as the debt was already charged off. Guarantee Rate declined our loan stating that we short sold the property in XX/XX/XXXX. We did not short sale the property. We gave them {$20000.00} to remove the lien, but the debt was already charged off in XX/XX/XXXX. We got them a letter from XXXX stating this and they still declined us calling it a short sale. When we sold the house in XX/XX/XXXX, our XXXX was paid in full and since we settled with XXXX for them to remove the lien that was in XXXX position, at the time of the sale we did not have a XXXX mortgage. I am not sure how they are viewing this as a SHORT SALE. We argued our point, yet they still denied that. We are still being punished for a BK that happened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
I filed XXXX income taxes for XXXX. Per my tax return and XXXX form, {$760.00} was withheld during the year. I overpaid and was due a refund of {$64.00}. {$700.00} should have been withheld instead of {$760.00}. 

In late XXXX, I received a Demand for Payment from the XXXX - stating I owed them {$700.00} plus interest. 

I sent them proof of payment, disputed the claim and requested documentation. 

I heard nothing further from them. 

In XXXX XXXX, GC Services sent me a demand for payment on behalf of the XXXX. 

On XXXX XXXX, I sent them a certified packet including copies of the documents I sent to the XXXX XXXX XXXX, tax return, letter with request for documentation ). In my cover letter to GC Services, I again requested documentation and issued a cease and desist of further demands for payment on the bogus debt. 

The certified packet receipt was signed by GC Services front desk staff on XXXX XXXX. 

The calls started XXXX XXXX. They 've called me four times and left XXXX messages, each indicating that I " have to '' call them and refer to a case number. 

I want to nip this in the bud. 

How do I make it stop?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar Mortgage has marked flagged my account as missing or delinquent payments. The incident started with Nationstar increasing my monthly payment from {$1900.00} for XX/XX/XXXX to {$2000.00} to cover an escrow shortage of {$100.00}. At no time was I made aware of this increase in any written, email, or telephonic communications. Therefore, I continued to faithfully and on time make my usual payment of {$1900.00} for XX/XX/XXXX and XX/XX/XXXX which Nationstar accepted as payment from XX/XX/XXXX to XX/XX/XXXX. At no time was my payment rejected for insufficient funds. I was finally made aware of this shortage only through a Nationstar loan officer as I was attempting to refinance through Nationstar XX/XX/XXXX as it went through loan processing. I immediately made a payment of {$210.00} on XX/XX/XXXX to cover the shortage for XX/XX/XXXX and XX/XX/XXXX to make up the shortage. At no time was I made aware of a new payment and was under the impression this was just an end of the year shortage. Also on XX/XX/XXXX I made usual payment of {$1900.00} the same day, once again under the impression I was up to date and current on my loan. In my entire history with Nationstar I have never missed or been delinquent on a payment. I was made aware of Nationstar flagging my account as late on XX/XX/XXXX through a credit monitoring service. I immediately contacted Nationstar and was finally made aware of a new payment of {$2000.00} and payed {$100.00}, which posted on XX/XX/XXXX to once again cover the shortage for XX/XX/XXXX. XX/XX/XXXX payment of {$2000.00} has been made and is up to date. After several phone calls with Nationstar I have been unable to resolve this issue of a simple escrow shortage and extremely poor communication from Nationstar. At no time was I delinquent on any payment, as Nationstar accepted my normal payment of {$1900.00} for the months of XX/XX/XXXX to XX/XX/XXXX. For a simple escrow shortage Nationstar has flagged my account and has negatively affected my credit score. I simply want my account restored to non late status and my credit score to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I AM LOCATED IN XXXX ILLINOIS. THIS STATE SEEMS TO HAVE FALLEN OFF THE RADAR FOR REGULATORS. IT ALSO SEEMS THAT OUR STATE REGULATOR- THE IDFPR, DUE TO FEE REVENUE, IS IN THE POCKET OF THE REAL ESTATE ASSOCIATIONS. 

OVERSIGHT AS A WHOLE SEEMS WOEFULLY INEFFECTUAL REGIONALLY. I SEE A GREAT DEAL OF COLLUSION BETWEEN REAL ESTATE BROKERS AND MORTGAGE COMPANIES IN AN ATTEMPT TO NOT DELIVER VALUE BUT TO CAPTURE MORE REVENUE SHORT FULL DISCLOSURE. 

WE HAVE MANY COMPANIES THAT ARE TIE INTO EACH OTHER USING 'MSA 'S AS A FIREWALL OR FRONT IN DIRECT VIOLATION OF CONSUMER INTERESTS. SOME OF THE FIRMS I WOULD LIKE TO MENTION ARE : GUARANTEED RATE, HOME STATE BANK, XXXX XXXX XXXX XXXX REAL ESTATE, PROSPECT MORTGAGE, XXXX WITH XXXX XXXX AND PILLAR MORTGAGE DIVISION OF XXXX XXXX XXXX. 

GUARANTEED RATE SEEMS TO BE PROLIFIC. THE COMPANIES THAT CHANNEL BUSINESS TO GR FOR PROFIT ARE, TO NAME A FEW, @ PROPERTIES, XXXX XXXX AFFILIATED, XXXX XXXX AND MANY XXXX OFFICES. 

CONSUMERS ARE NAIVELY DIRECTED TO THESE XXXX MORTGAGE COMPANIES AS THE REAL ESTATE BROKERAGES PREFERRED LENDER AND IN 99.9 % OF THE CASES NO DISCLOSURES IS GIVEN TO CONSUMERS THAT A FINANCIAL BENEFIT EXISTS BETWEEN THE FIRMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I submitted a complaint about Nationstar Mortgage to CFPD ( case number XXXX ) regarding their refusal to work with us regarding modifying our mortgage payments due to the hardship suffered pertaining to my husband 's job loss because of the sudden closing in XXXX, XXXX of the company that he had worked for years. Nationstar 's response was to submit to CFPD our payment history and a repayment plan from XXXX. The XXXX repayment plan was entered into prior to a XXXX illness which nearly killed my husband in XXXX XXXX -- and the subsequent loss of his newly aquired job ( XXXX XXXX ) due to the duration of the illness, XXXX, and XXXX assocated with the severity of the illness in XX/XX/XXXX. Nationstar was apprised of the illness and job loss -- and the XXXX my husband is required to undergo 3 times a week due to the XXXX XXXX he suffered as a result of the acute but devestating illness he endured. ( all of the aforementioned medical history is documented, and can be sent to you if necessary. ) In addition to continuing to flatly refuse to work with us to assist us in becoming current our loan -- in their reply to our complaint -- Nationstar defended its practice of continuing to send the intimidating foreclosure letters, harrassing phone calls, and the reports to all XXXX credit bureaus every 30 days -- and also erroneousy states that we are " approximately two months '' behind on our mortgage -- when in fact, we are only one month behind. In closing, since we submitted our first complaint, we were informed that Nationstar has an " XXXX '' rating from the XXXX with XXXX complaints rendered against them in the last three years. ( ratin scale is " XXXX to " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
This is pretty simple. Our daughter shared an E-Z Pass account with us, and paid us monthly for her usage. Easiest way to do this was for her to transfer the amount from her credit union account to our bank account, and we both set up our accounts to allow such transfers. ( As an aside, we also pay bills by transferring funds to the power company, the landlord, the phone company, etc., through the same bank checking account. ) What happened was that our daughter transferred {$100.00} to pay for her usage, but mistakenly switched the account numbers, so that instead of our account being CREDITED with {$100.00}, it was DEBITED by that amount! We check our account online regularly, and caught it this morning, and she and our bank have been advised to fix this. HOWEVER, our bank ( BB & T ) insists this is business as usual - once you set up XXXX accounts for funds transfers from XXXX to another, you have given the bank tacit permission to send transfers either way, with no additional approval or permission from you. In other words, if my daughter were malicious ( which she is not ) or in extremis, she could clean our checking account out and we would not even be advised by the bank that it had been done. As it was, we had to make a quick transfer from savings to cover a bill which was going to be paid today. This strikes me as being VERY insecure, and an abrogation of the banks obligation to keep our money safe. They can set up bill payment systems which will either automatically take money from our account monthly to pay our bills, or, if we do n't want that, which allow us to order the funds transferred ourselves for each bill. So why ca n't they safeguard the sort of arrangement we had, where each month a one-way transfer from her account to ours was made? Our bank insists that is not how it is done.

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