vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Vanderbilt has refused to provide me with all documents, forms, and contracts that may pertain to offers that they have made to settle our account. They proposed XXXX offers. XXXX was for deed-in-lieu of foreclosure, and the second was for a cash settlement to mature on XXXX/XXXX/2016. The have provided the jest of XXXX offers, but have yet to provide complete documentation that would be signed should we agree to either of the offers. I need to review the complete settlement agreement ( s ) including terms and conditions, legal disclaimers, waivers and omissions, clauses, releases, and all other verbiage contained therein. Without this information I can not make an informed decision and can not possibly know my full rights related to these settlement offers. I need to be able to review them in their entirety and have ample time to have them reviewed by legal counsel as well. I received correspondence from Vanderbilt 's portfolio manager, XXXX XXXX, indicating that he did not believe I needed this information. Due to the deadline for acceptance or rejection of this offer, it is imperative that I take the time to make this request even during the holidays. If Vanderbilt can not provide the complete contracts for both offers proposed, then no offer was truly made. I have many questions as to what these final agreements might look like and what restrictive verbiage they may or may not contain. For example, XXXX XXXX, debt collector for Vanderbilt, suggested that I would have to sign an agreement that if I were unable to acquire the funds needed for settlement, I would have to turn the keys over and walk away from the home. He also stated that Vanderbilt would include a clause stating that I would waive my right to legal recourse should I accept their offer to settle the account. This is why I must see any and all verbiage associated with both of the offers. Contrary to XXXX XXXX 's statement to his legal department, quote, " I am really not sure why he wrote us this asking for us to give him our offer again. XXXX gave him the XXXX options we were willing so I am really not sure why he is asking for us to provide that again??? 
XXXX, do we need to give it to him again in writing? '' end quote, I have never received anything other than a vague proposal with no further information that would allow me to make an informed decision. This has already happened twice before when they sent agreements to offer payment assistance and loan modification. 

So I respectfully request this information in its entirely as well as an extension of 30 days for review by myself and counsel. I have attached the original email where I requested this from Vanderbilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for a new checking account with US Bank on XXXX XXXX via an emailed promotional code ( pic attached ). The promotion promised a {$150.00} bonus for completing XXXX bill payments within 60 days of account opening. I completed the required bill payments on XXXX XXXX ( pic attached ). It 's been well over the stated 60 days since meeting the requirements for US Bank to honor the promotion. I have contacted US Bank via their XXXX #, as well as visited their local branch multiple times to inquire about this and get resolution to no avail. It was confirmed to me by a local banker that I successfully met all requirements, however was told there was nothing he could do and that an internal department only had control of crediting customer 's accounts. Nothing has come of that. I 've been passed around and given excuses for weeks. I have documentation of the promo code email used to open the account, the qualifying bill payments, as well as a screenshot of the original public offer from US Bank 's website.

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 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
US Bank National Association initiated foreclosure proceedings via Publication within 13 days after I received the final paperwork for the Hemp Modification from the Loan Servicer after passing the trial period for the payments cashed and kept the fourth mortgage payment while according to US Bank the account was in default.That payment was not applied to the mortgage instead my online account was deleted.US Bank offered me a XXXX Dollar bribe if I no longer would proceed.I have Senator XXXX involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Trademark Management Solutions, LLC.
State: DE

Complaint narrative:
the company is called trademark, the number is XXXX they are constanly calling my job and getting smart with me and other employees. i talked to them 2 time, and told them both time i want somthing in writing in the mail and they refuse, and wont give me that until i give them my credit card number. they have given my boss information that they should not be sharing with anyone. they have cussed at other coworkers. I looked the comapny up online and cant find them, they refuse to give me their adress. they threaten me with court papers. i am in the process of trying to get ahold of the actual comapny i got the loan from to see whats going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's XXXX XXXX XXXX, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not XXXX XXXX but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 months ago. According to the FDCPA and state laws National Credit System has 30 days to get that validation to. In addition, National Credit System has never attempted to negotiate the debt. They made no attempts to contact. All communication has been on my part with the exception of a voicemail message rec 'd XXXX/XXXX/2016 from XXXX XXXX while I was holding on the other line. This company has hung up on me several times. They have been argumentative and rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX, CA XXXX XXXX XX/XX/2017 XXXX XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is incorrect personal information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX NJ XXXX XXXX XXXX NJ XXXX Incorrect SSN : XXXX Item that should be deleted from credit report : XXXX - Account Number : XXXX ( I uploaded a letter stating it would be removed from my credit report )

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 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since XXXX 2016 when I was shocked to receive a collection notice for a telephone account fraudulently opened in my name, I have been trying to get XXXX to resolve the problem. I have submitted the requisite identification information and police report multiple times over these months, but have been unable to get any action from XXXX to remove the adverse information from my credit reports for this case of identity theft. The credit reporting agencies will not remove this adverse information ( the ONLY adverse information appearing ) until XXXX acknowledges the fact that the account is not mine.

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 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed back in XXXX of 2015 that Experian had charged XXXX XXXX on my card. My wife called them and made sure whatever service they had signed us up for was cancelled. Two months later another XXXX charges of XXXX appear. In an entire two month period nothing was charged, and all of a sudden the charges appear. On the day they came through my card which was XXXX XXXX I called. I was told by XXXX ' that the charges were n't cancelled. He would cancel them now and refund me the XXXX charges. I did n't see the refund today so I called. I was told by 'XXXX ' that the account was n't cancelled. I pulled up a confirmation number. They agreed that it was cancelled as per the email. But they wound't refund us fully. Only for XXXX dollars. I told them to check 'XXXX ' notes, and refer back to the taped audio of the conversation. They said that his notes only state we called to cancel. However, I told them if that was the case then why did they initially say it was n't cancelled UNTIL i gave them a confirmation number? 

I told them that in this discrepancy the audio would prove what 'XXXX ' told me. Manager 'XXXX ' said that it was too hard to get the audio, and that XXXX dollars was all she could do. They have had MANY FTC complaints. I told her I would file a complaint. She said I was free to do that and ended the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian company has not deleted wrong information on my credit report for the XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX/XXXX/2015, PNC Bank accessed my XXXX personal credit report. PNC had no permissible purpose to access my report. I have no business relationship with PNC. I have never applied for an account with PNC, or otherwise had contact with PNC. 

I do not believe this to be an issue related to identity theft. I believe PNC knowingly and willfully accessed my report improperly for the purpose of offering me credit, and did so without my permission. 

I wrote to PNC seeking an explanation for their impermissible viewing of my credit report. PNC did not reply to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Check Resolution Inc.
State: TX

Complaint narrative:
The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and National Check Resolution continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!

Company response to consumer: Closed
Consumer complaint received 2015-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I purchased my home in XXXX of 2015. I made payments to my initial mortgage company, First mortgage, until XXXX 2015. In XXXX I recieved a goodbye letter stating that my mortgage had been bought out by Freedom Mortgage. The letter was a mistake. it even had the wrong account number on it. I sent a payment to freedom mortgage to this wrong account number and thought nothing of it, until i received a letter from first mortgage stating i was behind on my mortgage for the month of XXXX. I quickly called and told them that they had sent me a good bye letter and told me it was a mistake ( i have proof of this letter ). they told me i would have to find the money. I called freedom mortgage and explained the mistake. they said they would send the check for XXXX to first mortgage directly so i figured it was handled. I was wrong and the check never arrived. I continued making payment to first mortgage then in XXXX I received a letter from Freedom mortgage stating that i was late on my mortgage payments. now I was really confused because first mortgage had told me i was with them. I never got a real official goodbye letter from first mortgage or a welcome letter from freedom mortgage. I called first mortgage to confirm i was transferred over and i also called freedom mortgage to confirm. this time the transfer was for real but they made a mistake. They transferred me with a missing payment from XXXX, but the only reason i was missing a payment from XXXX is because of their mistaken goodbye letter in XXXX. now they say i am in default and they are sending me threatening letters. 
All in all i have proof that i have paid every mortgage payment, since the day i bought my house, on time to this day. I have never missed a payment and i have proof! It was all mistakes on their part but they can not figure it out!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
calls me most everyday and has called XXXX a day and has called me a XXXX. When I asked them not to call they told me that if I did that my full mortgage amount would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
REF Case number : XXXX Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed XXXX payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.

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