vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE XXXX CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY XXXX, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HAD TO PAY ANY FEES. IT WAS A VERY SMALL REDUCTION IN INTEREST RATE.. I HAVE ALL OF THE DOCUMENTATION AND I 'VE ALREADY PROVIDED IT TO THE LENDER BY MAIL. DISCUSSED WITH MULTIPLE EMPLOYEES AND THEY STATE THAT THEY CAN NOT CORRECT THIS.

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 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Management Services
State: MO

Complaint narrative:
I have been receiving numerous phone calls from XXXX they never leave a message. A quick web search Identified the company. I have answered XXXX of the calls, but no one was on the other end. I have attempted to return the call but the person that answered could n't help me without my account number. 
I did weeks later receive a bill from them, which I logged onto their web site, and set up a payment arrangement for. I agreed to allow them to debit my credit card {$100.00} per month, and provided them the card number. The debited the card as agreed the first month, and XXXX each subsequent month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Servicer once approved me for Loan modification and forward information over the phone on XXXX/XXXX/2016 spoke with both XXXX XXXX XXXX @ Freedom Mortgage. Few days letter, XXXX who is the point of contact told me that loan has been denied because my investor did not approve for modification. On XXXX/XXXX/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is XXXX Veteran currently receiving VA XXXX & VA XXXX. When we spoke with them, we requested what income underwriter used for modification review but point of contact is not able to provide the information to us at all. They sent denial letter dated XXXX/XXXX/2016 does not stated any detail information on NPV inputs and ask Homeowner to appeal the process in 14 days in writing but did not provide me where to send appeal in writing. This mortgage has been transferred from XXXX XXXX to Freedom during my modification is being review. I am XXXX Veteran and this is VA loan. I would like to keep my property.

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 2016-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I got a pre-approved home equity letter from Freedom Mortgage Company ( XXXX XXXX ) of NJ. They made this offer because " I am a XXXX and a home owner. But I 'm not a XXXX. I worry they soliciting people under the guise of " thanking a XXXX. '' I have the letter if you wish to see it. Thank you.

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 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc.
State: CA

Complaint narrative:
Complaint : Unauthorized hard credit inquiry regarding a mortgage for XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) by Peoples Mortgage ( PM ) on XX/XX/2015. 

Contrary to XXXX & XXXX written instructions PM instructed XXXX to make hard credit inquiries to the major credit bureaus on XX/XX/2015. 

Despite XXXX repeated requests over two months PM failed to remove the unauthorized requests. Twelve months later they still show on the XXXX reports and continue to have an adverse effect on the credit scores. 

PM was asked to produce original documents such as Universal Residential Loan Application and a signed form of authority allowing a credit check. Since these documents had not been filed with PM they could not comply. 

A complete history of the XXXX requests and PM responses is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: OPEN MORTGAGE LLC
State: TX

Complaint narrative:
Back on XXXX/XXXX/15 we received a full price offer on a home I am selling for my clients. The Buyers Agent submitted to her lender of choice, XXXX Mortgage of XXXX Texas, and we completed all steps to close the loan on XXXX/XXXX/2015. As, of today we have heard multiple lies and received multiple emails confirming the lies they have told both the Buyers Agent and I, XXXX. Today on XXXX/XXXX/2015 we heard the truth. XXXX Mortgage and her team have not submitted to USDA for approval nor received any reason this file would not be accepted. The XXXX team is very unproffessional and has done the same thing regarding another file last year. However, last year they stated the reason the file was not completed in time was because the processor committed suicide. I did end up closing that file three months later with XXXX. XXXX herself called me on this file I am speaking about and said this was a clean file and the actions last year are resolved and she has a whole new team and that I should not worry. Well two months later we are not closed and do not have a close date in sight. I want to make sure she is reprimanded fully.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
On XX/XX/XXXX I refinanced my VA home mortgage with XXXX XXXX XXXX XXXX in the amount of {$220000.00} with a monthly payment of {$1000.00}. ( See enclosure BBB_ Complaint Case ID # XXXX ). This mortgage was subsequently purchased by Freedom Mortgage Company. As you can see from XXXX I have been paying {$1400.00} every month on time. Then in XX/XX/XXXX my payment was raised to {$2200.00} ( See XXXX ). I contacted Freedom Mortgage and they told me the increase was caused by a mistake at the XX/XX/XXXX settlement on the amount of property taxes and that they were going to spread the " arrears '' out. A new payment in the amount of {$1900.00} ( See XXXX ). I filed a complaint with the Better Business Bureau and Vice President XXXX XXXX XXXX confirmed the increase was due to a mistake at settlement. ( See BBB_ Complaint Case ID # XXXX ) Therefore due to a mistake at settlement and that mistake not being caught by XXXX or Freedom Mortgage, my monthly payment has increased by {$480.00}. I feel this is either incompetency or the part of XXXX mortgage companies or a predatory loan I never would have agreed to in 2015

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 2016-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX 2016 of this year, I Became unemployed lost my job, me and my wife immediately notified our lender freedom mortgage, about the situation. We submit the proper paperwork over 5 times now. applying for so called programs that they offer. the first time there underwritter lost all of our information. We have been going through this process since XXXX of 2016 and every 30 days they need us to submit the same paperwork or make a payment by a certain date. We are making payments and they are not applying the amounts that we send in to our loan, so that they can continue to collect interest on our loan

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 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint on-line, but I do not have a complaint number, so my complaint has probably fallen on deaf ears. 
I was able to get my credit reports from XXXX and XXXX without difficulty. Each of them had a list of questions pertaining to my previous employment and/or credit. These were factual and represented transactions that applied to me. 

Equifax, on the other hand, asked me questions that had nothing to do with me. Then, they said that " For my protection '', I had to mail them personal identification ( copies of my SS card and Driver 's License, for example ). This happened XXXX times. THE QUESTIONS HAD NOTHING TO DO WITH ME AND NOTHING TO DO WITH ANY CREDIT IT HAD APPLIED FOR OR RECEIVED. 

This happened XXXX times. I could understand their doing this XXXX time, but XXXX times is excessive and represents a deliberate attempt to keep me from getting my credit report. 

In addition, their requirement that I send the documentation by mail subjects me to the possibility of identity theft. A secure on-line connection where I could scan the documents and email them would ( if their site is secure ) provide me with better protection than having to send sensitive, personal information by mail. 

I suspect that I am not alone in having this problem with Equifax. Either they have a lot of erroneous information about me or they are deliberately trying to circumvent the law. 

If I find that this is the former - that they have so much erroneous information about me, I will amend this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across Experian, XXXX, that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all XXXX did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, 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 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )

Company response to consumer: Closed
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: UT

Complaint narrative:
Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We had been making bi-weekly payments on our mortgage for some time and paying extra towards principal. On XXXX/XXXX/16 and again on XXXX/XXXX/16 they pulled the payment from a different account at the same bank ( not sure how they got that account # ). This resulted in the second payment coming back NSF which alerted me to the problem. I immediately transferred money to this account and contacted Ditech. They claimed that it was impossible for them to get the other account information so it had to be on my end or the banks. The payment did go through the 2nd time it was processed but then Ditech sent me a refund for that payment? I then cancelled the autopay per there instructions and set up and electronic payment for XXXX/XXXX/16 to pay the next payment that was due on XXXX/XXXX/16. On XXXX/XXXX/16 I became aware that they did not apply the money to the payment due on XXXX/XXXX/16 but instead put some towards principal and {$420.00} towards some type of bogus corporate late fee? I called on XXXX/XXXX/16 and talked to XXXX (? ) and she told me that the funds would be reallocated properly and all late fees removed but it would probably take a few days. I have been checking my account every few days and calling every few days and always get someone different XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX that tells me that they can see that it is in for reallocation and that I do n't need to worry, all late fees will be removed when this is done and it will not damage my credit. It is now XXXX/XXXX/16 and it is still not done and my next payment is due on XXXX/XXXX/16. I refuse to send another payment until they straighten out the original payment because they tell me it will go to the past due payment of XXXX/XXXX/16 and I know this will further complicate things.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 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: CA

Complaint narrative:
I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My husband and I have a home equity loan with BMO Harris. When we filed bankruptcy over XXXX years ago, they disabled our online account so that we could not view our account activity. The bankruptcy has been discharge and our loan has been modified, but I am told that I can not use online banking to so much as view my statements. They are not mailing me statements. I do not have access to normal customer service, I am told I have to talk to the loan mitigation department, which does not always answer their phone during business hours ( I often get voicemail ). As a customer, I want to be able to talk to someone during business hours, receive statements, and be allowed to view my account activity online. I have no idea if any of the payments I have made over the past year or so have even been credited to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation