vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MA

Complaint narrative:
I called CMC Funding XX/XX/2019 to get a payoff amount on my mortgage, first payment due XX/XX/2019 but sold my former home so I wanted to pay in full. Sent a certified check for the full amount on XX/XX/2019 knowing there would still be interest owed. Called XX/XX/2019 to find status since I received a letter saying I now owed two months of mortgage payment. Was told if a check for the shortfall was not received by XX/XX/2019 my original check would be returned. Immediately the doorbell rang, there was UPS with my original check, on the XXXX! I called CMC, spoke with XXXX who gave me an additional amount to pay. Left for the credit union right away, wire transferred the original amount of {$320000.00} plus an additional {$1900.00} in interest. On XX/XX/19 received notice of foreclosure. Called immediately, spoke with several people who claimed a shortfall letter had been sent ( I never received anything ) interest was still being charged, yes they had my wire transfer but it had not been applied since it was not the full amount. I asked how I was supposed to know this and they said a letter had been sent. We went around and around until finally I was given an additional amount to wire transfer to stop the money bleeding. A claim was supposed to be initiated, I did receive a check for {$160.00} for escrow (? ) but no additional explanation. I don't feel I should owe any interst after XX/XX/19. Customer service did nothing but give me the runaround, made it difficult to payoff the mortgage and I still don't think they have been accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Good Afternoon, We are having a problem with our bank, BMO Harris Bank. On XX/XX/2019 we made a deposit to a personal checking account. the deposit was a check drawn on a foreign bank account. The deposit was acknowledge by the bank teller. We got a copy of the check and a copy of the Domestic & Foreign Items Collection/Cash Letter Form. 

On XX/XX/2019, a letter was issued and mailed. It was a letter acknowledging receipt of the mentioned collection and it being presented for payment. 

On XX/XX/2019, a letter was issued notifying that the collection item was not going to be paid. The reason was THE LEGAL PERIOD FOR PRESENTATION WAS EXPIRED. On the letter is states that the item was enclosed, but it was not. Only a photocopy of the check was attached to the letter. 

Since then, the branch has not been able to obtain the original check back. The bank in XXXX requires the original check to be returned. It has been 5 months now, and the bank has no answers for me. They can not locate the original check. The letter form received when the check was deposited states that the unprocessed item was to be returned via mail. No one is able to help get a phone number for the legal department or a XXXX Rep. Is there something that can be done and can you help me? If so I can email you all the supporting documentation.

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 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Franklin American Home Loans did provide me with a loan ownership transfer notice nor did the new servicer, Citizens One Home Loans. I found out about this today when I went to make my mortgage payment and was unable to access my account. I then wait 1 hour and 23 minutes on hold while calling Citizens to obtain my new account information. Extremely poor service from both lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
Good Day, 1st issue XXXX is paid in full XXXX balance account ending in XXXX .I have sent the letter to Creditors to correct still showing balnace of XXXX no balance should be showing. 
2nd is Law office of Mitchell - Not my account should be removed I do not owe Lawyer -none. total XXXX not my account. account XXXX ( no  account with this company ) XXXX XXXX XXXX XXXX same affiliated creditor. not my account. 
should not be on my credit report. 
I sent documents and disputes still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was pre-approved for a mortgage by Wells Fargo branch in XXXX, TX, in XX/XX/2019. During the pre-approval process, I submitted all required documents. In XXXX, I signed a contract to purchase a house. After signing the contract, I applied for the mortgage. However, Wells Fargo did not approve or reject my application until the closing date was over and I lost the contract. Since my job, income, residency status, etc were as same as when I was pre-approved, I assume Wells Fargo misleading information about their capability to give me the mortgage caused a very stressful time in my life. 

During one month before closing date, they were saying that they were processing my application. However, as we were approaching the closing date, There was lack of communication between Wells Fargo and myself and my realtor. By wasting time, I lost the chance of applying to other lenders, and it caused me financial loss. 

I still do not know what my application status is. My application page says that I should contact XXXX XXXX XXXX, the mortgage consultant who pre-approved me for the mortgage. However, each time I contact him, He says he does not have an answer. I am also not aware that why Wells Fargo were very slow in processing my application. 

I paid the upfront fee for appraisal once I applied for the mortgage. Wells Fargo still have the money after one month and a half after my application, and they have not returned my money back to my 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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank and Visa refused a card benefit they advertise. Details are as below. 

I am a holder of a XXXX Visa Card ( credit card ) issued by Barclays Bank. The bank claims that all card holders are covered by their " Cellular Telephone Protection '' program as long as monthly bills are paid through the card. However, when I tried to file a claim, Visa told me that this credit card does not have such a benefit. Barclays Bank initially tried to resolve this inconsistency, but now they stopped attempting to resolve this issue, saying : " While the coverage is covered through Visa, it is at their discretion on whether a phone is covered for the insurance or not. We apologize for any inconvenience this may cause, but we will not be able to assist you any further on this matter. '' I started to use this card purely because of this benefit, but now the card issuers deny the benefit.

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
An account with XXXX XXXX that was opened up in XX/XX/XXXX in the amount of {$1900.00} was deleted from my credit report in XX/XX/XXXX due to fraud. Now XX/XX/XXXX this same account from XXXX was put back on my credit report as a collection with a collection agency Jefferson Capital Systems with all three bureaus stating this account was opened XX/XX/XXXX which is definitely inaccurate information reporting and the account should have never been put back on my credit file in the first place. I have disputed with all three bureaus and the only one that have removed this collection from my report is XXXX, XXXX and XXXX is still reporting. This is damagaing my credit and I am in the process of purchasing a house but with this collection on my credit I am unable to obtain financing for a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked TransUnion to validate and remove these accounts from my credit report on XX/XX/19 and again on XXXX or XX/XX/19. 
*XXXX XXXX {$2600.00} *XXXX XXXX   {$550.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$260.00} I do not have accounts with these companies and have asked that they stop reporting on my credit file my name is XXXX XXXX XXXX. 
These accounts belong to a XXXX XXXX. I have asked for validation/provide documentation/applications with my name XXXX XXXX on these accounts and these companies can not and have not done this. TransUnion is linking this person to my social security number and name likeness. 
These are fraudulent accounts using my social security number and someone else last name reporting on 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 explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I was a XXXX customer. I went into foreclosure and they received FHA insurance payments towards the loan but did not inform me for 6 months. I contacted The HUD executive team via President Obamas cabinet and immediately I was granted the modification in fact it had been approved for months. I made my payments on time but 5 months later the roof caved in in one bedroom. I contacted XXXX XXXX XXXX. They sent XXXX! XXXX XXXX gutted the entire top floor leaving only the shell of the house. I was informed that I had to pay the contractor to avoid the house from catching a fire due to exposed electrical wiring. I was compliant. The insurance company waited 3 months to submit the check with the contractors name attached. I BEGGED EVERYDAY FOR THE BANK TO MOVE QUICKLY. I CONTACTED THEM EVERYSAY TO AVOID GOING BACK INTO FORECLOSURE BUT they informed me that there property damage and customer service team were both a part of XXXX but did not communicate or collaborate. Soon thereafter I was placed in Foreclosure AGAIN!!! The bank said I had to wait a year to qualify for assistance I waited I was told then that I was misinformed I had to make payments for a year. I was livid!!! I was then transferred to Midfirst Bank. I provided them with all documents but received a sell date of XX/XX/2019. The sell date was made before the midfirst ownership. Midfirst told me that I DID NOT QUALIFY ON XX/XX/2019. Please help me! Please

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
american express violated " FDCPA, FCBA and FCRA '', truth in lending act, breach of contract by closing account without sufficient cause/ improper account review ... i have been a loyal customer since XX/XX/XXXX and never late on any payments..this has caused severe financial hardship due to that this account is used for daily / monthly living expense to cover charges made while waiting on XXXX XXXX check per month and now since account closure i can not afford to pay current balance owed and make any other any payments being on fix income and single parent father of XXXXyr old daughter ... NOTE : I WERE I VICTIM OF FRAUD ON ABOUT XX/XX/XXXX AND THIS HAS CAUSED MY CREDIT SCORE TO DROP SIGNIFICANTLY DUE DISPUTE FRAUD CHARGES WITH OTHER CREDITOR " XXXX XXXX XXXX XXXX '' ..POLICE REPORT FILED WITH CITY OF XXXX, FTC AFFIDAVIT FILED AND VIA MY ATTORNEY ... ALL DOCUMENT OF STATED PROOF AVAILABLE UPON REQUEST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have used the ZELLE services through my bank without a problem in the past but lateley is like ZELLE makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight if not longer days in the interbanking lending process. On or about XX/XX/XXXX I was send money by a relative using my mobiel number, on or about XX/XX/XXXX I learned from my Bank XXXX that ZELLE had derigestered my mobile number, I was told by ZELLE representative name XXXX on XX/XX/XXXX that since I was not able to accept and or see the code ZELLE would send me thogurgh my cell because ask my carrier to i block junk text from my phone and that included all text from unregistered contact, I needed to register my email address and the money would be send immediately to me as if it was my mobile number ; the same representative asked me to asked my representative to cancelled the first transaction which it was done through my mobile phone. At this point the only transaction left was the one send via email. After my relative cancelled the mobile transaction she proceeded to send the money via email wich according to XXXX from ZELLE the money would get to my bank account with XXXX immediately but that has not been the case. I am now told that the process would take 7 to 5 business days instead. I have look into the ZELLE marketing and has come the the proof that ZELLE provided false and missleading information both on paper, the internet and orally. I now have to wait several days to collect that money. ZELLE does not alowed to deregister email address at the customer request according to Mr. XXXX telling that I am out of luck and I was in need of that money for a medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
There is always money deposited to cover funds that are withdrawn on the day it is paid. There are many branches nearby that are closed and it is inconvenient to make a deposit without a bank nearby so I have to drive far to head to a grocery store that has a TCF Bank ATM deposit machine. I deposit cash and it still says pending and I am being charged outrageous fees. 

XX/XX/19 {$37.00} XX/XX/19 {$74.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
According to a prior complaint submitted about Midland Credit Management through the CFBP, Midland responded telling me to reach out to them at ( XXXX ) XXXX ext. XXXX. I called and XXXX, a manager, refused to talk to me about my account. The company lied in their response to the prior credit and now they refuse to talk to me about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX CR XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XX/XX/XXXX CFPB And XXXX XXXX XXXX. XXXX Via Online report Re : Three false reports on my credit per attachments showing all of these were reported in XXXX, more than 9 years ago and thus must be removed from my credit immediately Dear CFPB : The first attachment is my Experian Credit Report. It is five pages long and shows three false accounts, as of XX/XX/XXXX. Luckily each of these is over 9 years old,  so I do not have to show that they are false, because they are all demonstrably over 7 years old. These 3 false and inaccurate reports are circled and are XXXX XXXX, XXXX XXXX, and XXXX  XXXX. 

The second exhibit is marked Ex. B and is two pages long and this attachment shows that all of these accounts, including XXXX XXXXXXXX were reporting in XXXX, very close to the exact same amounts claimed to be owed today, over nine years later, as being either the last month with an amount NOT being past due or as being already in collections at that time. 

Here is a summary of Exhibits A and B : In XXXX XXXX claimed ALREADY owed {$10000.00} ; now XXXX claims {$15000.00}. 
In XXXX XXXX XXXX claimed {$3900.00} and now claims {$6900.00} In XXXX XXXX XXXX claimed {$920.00} and now claims {$930.00}. 
These are all the same decade old claims.The only differences are " collection costs '' or interest claims. The VAST majority of the amounts appearing on my credit in XXXX are 10 years old or more in each of these cases. 

So, the request here is simple : please confirm that the above referenced reports from XXXX, XXXX XXXX and XXXX XXXX are removed from my Experian, XXXXXXXX XXXX, XXXX, XXXX and/or other credit reports and furnish me with a letter stating the same. If I do not hear back by XXXX, I will assume that these creditors do not intend to remove these false reports -- which wouldn't even have to be false as they are over 9 years old. Thank you for your kind attention. 

Cordially, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Berman & Rabin, P.A.
State: MO

Complaint narrative:
Approximate 7 years ago, I did a Cash For Keys deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXX-that I must pay off for them to release the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Caneel Capital, LLC
State: MO

Complaint narrative:
Approximate 7 years ago, I did a XXXX XXXX XXXXs deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXXthat I must pay off for them to release the judgment.

Company response to consumer: Closed with explanation