vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE CORPORATION
State: TX

Complaint narrative:
To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blackrock Mitigation Group LLC
State: TX

Complaint narrative:
A XXXX XXXX called me to say that he was a dispatcher with XXXX and was trying to schedule a time to have me sign some documents. Said the documents came across his desk as marked " urgent '' and " requires recipient signature. '' Also stated it would be out for delivery at XXXX to my home address. I was there, no one ever showed. Called again the next day, stating this was the final attempt and that " redelivery would be shortly after XXXX at the jobsite listed, and that this would be the final attempt before he or his representation would need to pick this up. '' Left me another message at work stating that I was n't there when they tried to drop off documents and that I needed to set up a time where I and my HR director needed to sign documents. I needed to call the office at XXXX ( Will add an alert on this number as well ). After doing a bit of research ( not my first rodeo with XXXX like this ... ), I found the number of XXXX to be identical information to my experience. I called both numbers and got a similar " call center '' type of background noise on both. Phone answered by a XXXX XXXX XXXX, and a XXXX XXXX. I was transferred by XXXX XXXX to a XXXX XXXX who told me that I had paperwork out for delivery. I asked for the company name, and she told me Black Rock Mitigation. I asked for an address, and she told me that it was useless to send anything because they do not answer their mail ( certified letter in the mail for debt validation mailed today to cover my bases ). She gave me an address of XXXX XXXX XXXX, XXXX, NY XXXX. I also looked up Black Rock Mitigations LLC and found an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. XXXX images looks like this is an shady warehouse/office space. I asked XXXX XXXX if they were a debt collector, and she told me that they basically just finalize matters and send information, that there was a civil matter filed and they were putting me on notice. Would not commit to being a debt collector. Did not try to collect on a debt, but referred to a bogus debt of {$3500.00} saying there was a civil suit filed ( none has been filed, as I checked with the XXXX today ). These people are a scam.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-18 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: Rent Recover, LLC
State: FL

Complaint narrative:
On XX/XX/2017 i checked my credit report only to find an account in collection, i had no knowledge of this debt and proceeded to buy a XXXX bureau credit report ( {$50.00} value ) to be able to find out who to contact about this debt. The company Rent Recover reported to XXXX and XXXX that i had an unpaid debt of {$140.00} to an apartment complex called XXXX XXXX from which we rented an apartment for a year and a half, the lease ended with no problems and we gave the management our new address were they could reach us. When the lease application was submitted we included all our XXXX cell phone numbers and email addresses, I even have several emails from the management communicating with us, which leads me to my question of why they send that debt to collections ruining our credit ( my credit score dropped about XXXX points ) without even contacting us, I asked the management why they id not contact us to notify us about this issue and their answer was that they are to busy to be calling customers. This is totally unacceptable, i believe that reasonable attempts to contact the debtor should be made before ruining someones credit score. 
Note that the debt was paid in full that same day to the collector.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding , LLC bought this debt from XXXX credit card for pennies on the dollar. They in turn continue to have multiple companies contact me regarding payment. I 've asked them to validate this on several occasions but did n't get any information back until I sent a complaint through BBB. I have requested to have this account deleted as I have no contract with them but they refuse. My now deceased husband 's cousin got this card fraudulently in my name. I am not responsible for any amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MEDALLION MORTGAGE COMPANY
State: CA

Complaint narrative:
i '' ve had a hard money high interest loan for 3 yrs. it was supposed to be a short term loan. i have repeatedly tried to refi out of this loan and have been unsuccessfu. my lender medallion services of XXXX have repeatly refused to comply with simple request for payoff demand, and medallion services represented by XXXX XXXX XXXX has continued to refuse to communicate with any title company seeking info for refi on my XXXX XXXX XXXX property. medallion attempted to foreclose, i filed a motion ex parte to get emergency injuction from any sale and was successful however Medallion service sold the property anyway despite the order. i know i am a victim of predatory lending i need help.theses people are crooks. Medallion has charged us extremely high rates from our agreed 12 % to 16 % without any response to our written inquire as to the cause of the increase, enough is enough. i need help.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech has denied that it knows who I am in response to the last complaint, when my name and my address ( of the home which has the mortgage they own ) is clearly stated on the complaint. Characteristically, it demands the account number just to be difficult. For the company 's information ( it does NOT need me to tell it this ), the account number is : XXXX. 
Not only is it charging me late fees of {$120.00} regardless of the fact that I paid on the due date ( and late fees are not stated to be {$120.00} ), but I paid up the account in full to include all of their fraudulent charges last month, and this statement has not deducted ANY of that, and STILL shows me as owing the same amount as before. I believe that there is a serious problem with their systems and this is suspicious. They need to be audited by people who are very familiar with technology and can examine their code. If you need someone, I can go with the inspectors. I develop software for a living. 
I 'd like to remind the person reviewing this complaint that immediately before changing its name, Ditech used to be named Greentree. Greentree was fined by the government for a total of {$63.00} XXXX for unlawful / fraudulent charges and failing to maintain programs. It seems that Ditech has continued its business practices, attempting to use the name change to deflect suspicion. This will not work long term.

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 2016-10-31 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: Jomax, LLC
State: IL

Complaint narrative:
Attorney XXXX XXXX, based in MA, entered into a surety bond contract with XXXX XXXX XXXX XXXX ( XXXX ) for collection business in Nevada. He forged his ex-wife XXXX XXXX 's name to obtain the bond. He subsequently declared bankruptcy & XXXX tried to collect a debt from XXXX XXXX, which was the 1st she knew of the forgery. She notified & provided proof of the forgery to XXXX through an atty ( XXXX XXXX, her sister ) but XXXX sent it to a collection agency. For 6 months now XXXX will not respond to correspondence or calls from the atty. Below, XXXX XXXX requests communication re the complaint go to XXXX XXXX, her attorney.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ditech Financial LLC
State: CT

Complaint narrative:
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in 2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ARBOR MORTGAGE
State: NY

Complaint narrative:
Me and my wife ( a/k/a ) XXXX submitted an application for the refinance of our apartment building to Arbor XXXX Mortgage, XXXX XXXX Arbor XXXX in XXXX for an FHA loan ( which was discontinued, for some reason ) and then again we submitted another application for a XXXX loan on XXXX with Arbor. We had submitted a {$25000.00}. deposit with the application. After six XXXX 6 XXXX months time had passed, on the XXXX application, Arbor sent us a letter dated XXXX/XXXX/XXXX which was received by us, 31 days later on XXXX/XXXX/XXXX which turned us down. Later, Arbor told me that the reason was that the apartments were too small XXXX. Arbor knew the sizes of all the apartments back in XXXX XXXX when we sent Arbor a rent roll which depicted other information and the sizes of all the apartments and again in XXXX XXXX, which again, depicted all the apartment sizes. In spite of the above, Arbor ordered an appraisal for {$6000.00}. and an environmental report for {$4800.00}. on XXXX/XXXX/XXXX ( To this day we have never seen a copy of either report XXXX My problem is that they feel that they are entitled to keep {$13000.00} and only refund us {$11000.00}. I sent a letters to XXXX XXXX, CEO of Arbor, on XXXX/XXXX/XXXX and I never received a reply. Upon information and belief, XXXX XXXX, of Arbor, and the XXXX underwriter XXXX XXXX XXXX knew the above information, full well, in XXXX and XXXX. Please note that XXXX XXXX XXXX never signed the contract ( or agreement ). It was left blank. I feel that Arbor should refund all of my {$25000.00} plus interest @ 9 %. 
fact that Abor never signed

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/XXXX Chase purchase XXXX, along with the mortgage I purchased Life and XXXX and XXXX, in XX/XX/XXXX by the state of Mass I was deem XXXX. The doctors thought maybe no, by it went the other way. have completely filled out every form, the doctors filled out forms for years, I been investigated. an still showing, a status of XXXX, they have received records from social security and still concerns, they want the doctors to re fill out forms out all over again, in the XXXX it states Social Security is really what they go by. it just about gving me the run around regarding. not to pay the policy, I was in an accident in XX/XX/XXXX, which the policy covers, I was not XXXX at that time, I could have purchased any policies between XX/XX/XXXX and XX/XX/XXXX, if i was killed in XX/XX/XXXX would they say they not going to pay the life? how does any one person know what the next day brings really.I was getting a cup of coffee, i did not ask to to be XXXX, and my life changed over night. but this wi why you purchase Insurance protection. But there is no reason why they compay should be giving me this much trouble to pay me. ther are so many complaints for various reasons. they have reviewed an obsessive amount of medical records, i am not sure what they think they are going to find, this is bording on harassment amd creating hostility and they are still removing money for the payment of the XXXX, and every now and then they claim they ca n't and try to get the policy canceled. 
there is a life policy attached also thei was purchased in XX/XX/XXXX 14 years this is lots of money chase has to be held accountable for this. they sold my phone number to the third party, for calling at dinner time the most hectic time with XXXX small kids. chase is only protecting themselves and charging XXXX for the payment. It the Insurance company paid when they were to, it would not be a big deal now. 
someone has to stop the Insurance companies from taking advantages from consumes, make promeses, and then when the consumer needs the insurance it completely a different concept. this is with all insurance sold today, thye blame it on the XXXX pages of fine print. the agent/sell has to have blame, not just collect commission and not respont to phone calls. when you ask a concern dictate to you like i never said that Insurance company have become " Bullies ''. the consumer just Pay and then wait and wait when we have a real issue and could run in to a serious problem. this is not want Insurance is all about. I am tired of being Bullied by this one. 
I was not XXXX until XX/XX/XXXX in Mass that is what my letter is dated.

Company response to consumer: Closed
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was on the phone for 2 hours and 15 minutes with a Chase employee from their XXXX ( XXXX ) and their Fraud Dept. Chase gave XXXX points from our credit card to a criminal who called them. My husband and I have asked repeatedly to hear the phone call that was left by the criminal. We have also asked for XXXX boss or upper management to listen to the entire 2 hour 15 minute call to hear how XXXX provided " customer service ''. We need to know about preventive measures, since in the meantime, Chase has given us a replacement card, but we do n't want this to happen again. We ca n't just be given replacement cards every time this happens. We have about XXXX accounts this card is set up to and we have to now spend time disconnecting the old card and reconnecting the new card. More importantly, we want to know how this theft can be prevented. We have no idea what kinds of screening process/identification process is used when criminals call in and no one has told us. XXXX from the " executive office '' told us XX/XX/XXXX that she would get back to us on this but not a peep. I have written over 15 emails to Chase with ZERO response from Chase. I have called them yesterday and spoke to a XXXX on their 'executive line ' who said she would be talking to XXXX and her boss XXXX XXXX . She also told me someone named XXXX was assigned my case, but no one has called. I was not even assigned a case number. Is there one? I, a customer of over 30 years is constantly getting ignored. I called again today. This was a joke. We do not understand how a bank can just ignore their customers. We believe that the bank feels that just because they replaced the card, that they do n't need to do anything else. Chase is DISGUSTING and we need answers. They can not keep on ignoring us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On several occasions while trying to pay my bill last XXXX ( 2016 ), Chase lost my billing information and it resulted in interest charges and late fees. There was continuous communication on my behalf as the information that was provided was inconsistent amongst different entities of Chase. I was told it would not be reported to the credit bureau 's and would be noted as I was also a victim of identity theft. Chase continues to address that I did not contact them in regards to a sudden address change or lack of receiving of a card but I did. In fact, my card number was compromised. On several occasions, I went to the branch to address this issue as Chase did not via customer service. Ultimately, my balances were paid off and I was dismissed due to " bank policy '', but ultimately I feel the reason is because of the lack of ethical business practices and the poor documentation. In one incidence, I was charged interest/late fees and it was reported to the credit bureau even though Chase had my payment info and the representative just did not submit it correctly. I feel that the indication only my report as my account being past due or late should be corrected at any rate. In addition, any late charges that were charged or indicated on my account should be reviewed individually as Chase failed to follow proper bank procedure and business practices when contacting me and/or communicating me with such sensitive/important information. This specific to the account ending in XXXX. This is my second inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I had originally requested an investigation of XXXX XXXX in regards to their illegal vehicle repossession. Now moving forward and struggling to recover from their deceptive tactics, I had requested for Larry H Miller XXXX XXXX to send the original signing of the credit pull they had done before signing any agreement with them. In doing this I noticed that they had doubled my income on the statement. This I was unaware of at time of signing. I was making roughly XXXX biweekly at the time, I noticed they had filled in XXXX biweekly. This allowed them to grant me the unfair loan they had issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
After filling for bankruptcy ( chapter XXXX ) and making payments to a trustee for a couple years, Bank of America sent us a bill for our mortgage for {$23000.00}. Contacted them about a loan modification. Months ( more than a year ) of delays, excuses and tons of paperwork, they still foreclosed on the house. In XX/XX/2016, we moved out and they sold the house for less than the past due. It has been 7 months and they are still sending us letters stating out application for modification is being reviewed.

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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
HOMEATFIVE : I have never requested a line of credit with this company. I started receiving the catalog which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation