vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX. 
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments. 
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial. 
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test. 
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ). 
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option. 
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations. 
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules. 
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have submitted police reports and fraud affidavit to National Credit Systems on XXXX XXXX, XXXX the first time and 3 more times since then ; last time on XXXX XXXX, XXXX. I have called their office on numerous occasions inquiring about follow up on the fraudulent account opened in my name. I received various information from different employees of National Credit Systems depending on who was available to answer my call. I was told that my correspondence was forwarded to their client several times and they have not received any communication back, I was told to call back on XXXX XXXX, XXXX to get resolution to this account. When I called today, I was transferred to XXXX XXXX. He informed me that this was the first time he has seen my account, he can see my account noted that there was correspondence received from me ; however, it was not reviewed because the company handles thousands of accounts and can not give individual attention to each account. XXXX also told me that since National Credit Systems have not heard from me via telephone ( which is a blatant lie ), they have not proceeded with any inquiries into my correspondence or the fraudulent account in my name. XXXX could not provide me with any documentation proving validity of this debt except my social security number obtained from my stolen social security card, my date of birth obtained from my stolen driver 's license, and an address which I am assuming is XXXX of the fraudulent addresses reported on my credit report. Upon my further inquiry, he told me I was rude and hung up on me. If my correspondence had been forwarded to their client and the client could actually prove validity of the debt, I am sure I would have received some sort of communication back. National Credit Systems and their representative, XXXX XXXX, are violating my consumer rights by mishandling my credit dispute and false credit reporting. 
I have contacted XXXX who deleted this account from my report for National Credit Systems not being able to verify this account. XXXX is the only CRA still reporting this account and appropriate complaint has been filed for XXXX. My messages to National Credit Systems legal department XXXX XXXX XXXX XXXX have gone unanswered. In 2 1/2 months XXXX National Credit Systems had more than ample time and notice to communicate with their client and resolve this fraudulent account. They need to contact XXXX to delete it from my report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
Called asking family of I still drive the same car, if I was at work had same job. If they had talk to me. Call people I have n't spoke to in 20 years multiple times. XXXX and scaring them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Porfolio Recovery Associates has been repeatedly calling my home over the past 9 months inquiring about my late sister-in-law. She recently passed away and I am her estate executor. I have asked the agent what the nature of the call is and they will not tell me, saying they need to speak with her. I am confident she had no outstanding debt of any kind. I have repeatedly blocked their phone number in an attempt to stop the harassment but they continually call from a new phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Pending Company Match
State: KY

Complaint narrative:
I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! 
Acct. # XXXX .... and XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have never engaged in any business with XXXX nor have I received any products or services from this company to whic IC Systems is trying to collect payment for.

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 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I refinanced my home for a better interest rate. The original amount was {$41000.00} the annual percentage rate was lowered to 3.695 %, but I was charged {$12000.00}. The amount I am paying on now is {$53000.00}. I have excellent credit also. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX, I obtained a loan to purchase a XXXX from fifth third bank in the amount of {$200000.00}. The loan was secured by my residence and they obtained XXXX mortgage on the residence.. My loan is a labeled as a Commercial Term Note with Fixed interest rate of 8.440 %. My payment is {$1900.00}. The effective date of loan is XXXX. The maturity date of the loan is XXXX/XXXX/XXXX. My payment schedule is suppose to be Principal & interest due on the XXXX of each month beginning XXXX/XXXX/XXXX. There is also a 1 % prepayment premium to any prepayment check. 
I believed my loan would be paid off on XXXX/XXXX/XXXX. A recent statement shows I still owe $ XXXX. I called Fifth Third Bank and explained there was an error. They informed me I have a balloon payment due. And XXXX months later, they are now calling me and telling me that they are beginning foreclosure proceedings against my residence as they claim I am in default for putting my mother on my house with me and furthermore they claim that since I filed bankruptcy back in XXXX and did n't file to renew the loan ... I am in default and being foreclosed. I have never missed a payment or been late. In addition, I have loan documents and it was NOT A BALLOON LOAN. NOWHERE DOES IT SAY IT IS A BALLON LOAN.. If there was a balloon I would suspect they would have included it somewhere on my documents. It is nowhere. But the prepayment penalty is clear. I believe that the bank has been deceptive and misleading. And they failed to disclose a material item like owing over $ XXXX. They are calling and asking what I am doing about it and asking where I am going to get the money. They told me they want the loan paid off now and that if I do n't inform them soon on where I am getting the money to pay them off, they will continue foreclose proceedings against my residence. This is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: MD

Complaint narrative:
According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit, Income, appraisal and all other paper work went through without any issues at first. In my area there is XXXX contamination in the ground water so the EPA installed carbon filters in all the houses in the area as a precaution. They check the water quarterly and also contracted the XXXX water company to also sample the water on a monthly basis. This was the process that was already in place when I purchased my home in XXXX. The appraisal report which Freedom mortage reviewed also indicated the water contamination as well the fact that construction would be complete in XXXX of XXXX to deliver city water from the nearby city of XXXX. The loan underwriter did not mention any issues from the appraisal report which he forwarded to me indicating that the house appraised above the amount that I requested. 

A requirement of the VA was to have a water sample done so I contacted the loan officer to let him know that I could provide the EPA and XXXX water test. He indicated on XXXX that they would not be able to do the loan specifically because the VA would not allow it due to the well water contamination. I told him that I purchased the house in XXXX which they knew form my application so why would the VA deny it. He said that I could cancel the loan and reply after the city water was connected to my house in XXXX. I told him that I would lose my {$450.00} paid to the appraiser and {$200.00} for the termite inspection. He said that they might be able to give me a discount when I applied again. At that time I did not know what to do and he said they would put the loan on hold. 

I emailed him later that day asking to speak to a supervisor and she told me the same thing that the best they could do was put my application on hold. I contacted the VA with my case # and was told by the VA Representative that is handling my loan that they did not put my loan on hold. I was also instructed to contact back Freedom Mortgage and explain to them to that VA only required to have the water tested and that they could the VA Representative directly. I left a voice mail message and sent an email. I missed a call back from a different phone number that my loan officer and when I called back it went straight to voicemail each time without a recorded message or name. My loan officer has not responded to voice or email in over a week. Please note that each time I did speak with someone the first thing they said was that the call is being recorded and that even though they said my loan is on hold status I have not received any paperwork stating such and no mention about my loan rate which was locked until XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in XXXX XXXX from the previous lender which was XXXX. Since the lawyer we were left us high and dry in XXXX XXXX, we have been contacting Freedom, they keep giving us the run around. They said that we need to short-sale and if not they will give us 3 months to do a deed of liue and help us with relocation cost, we have wanted that in writing ... they keep saying that they have sent us a mitigation package and all that and to this day we have yet to receive it. I 'm sorry I forgot to mention this all started due to my husbands hours were cut and he had some medical bills that arose due to he had XXXX in XXXX and it looked like something had came back that caused us to apply to do a loan modification and it led to 28mths of fighting with mortgage company. So..after the told me to short-sale ... I went ahead and found a Realtor who put the house up ... she called them and they told her over the phone that the payoff was {$190000.00} and we had tittle company request it in writing ... we got an offer on the house while it was only on the marker for 7 days we were still waiting on the mortgage company to send the payoff..I have called them, had to leave a voicemail to a caseworker who never calls me back, left a message for a manager to call me and that has n't happened either ... we have a VA loan ... I do n't want to loose it, but how can I work with a mortgage company that is not working with me is almost as if they want to foreclosure.We do n't want that, we did not miss our payments on purpose, it was a life crisis that we ende dup in and went straight to the mortgage for help. Right now the people are waiting on our counter offer which we ca n't because Freedom has yet to send anything or return my calls. I 'm stressed, I just want to sale the house and move on, but the longer it takes the longer our credit is ruined. I want Freedom to help us and to do as they have said they will do. We ca n't loose our VA and we do n't want to foreclosure, we have tried to work with them and even have had an attorney email them to call him and they have n't even called him. All t his to me just does n't sound right and Im so scared that we wo n't have anywhere to go and no money to go anywhere. Please help us!! 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 2016-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I went the College XXXX which was a For profit college which is now closed. I had to take out XXXX separate loans from XXXX for this school. 
This school made so many promises that we would have guaranteed jobs after the XXXX program was completed. Never did I find a job in the field. 
They gave me some bogus certificate that was n't even recognized with employers. n I even back then contacted the president of the college and express to him how bogus this program was and wanted resolution which he could not give. 
I contacted the FTC to file an complaint. No one ever contacted me about the matter from FTC. I 'm stuck with a loan that I can not afford to pay back and never was not able to get a job in the field that was promised. What steps am I able to take since this school is now closed and I 'm stuck with a loan that has been in forebearance and accumulating interest on XXXX different loans from this closed school. Ive contacted XXXX who is now navient about school closed and asking for loan forgiveness. They told me no loan forgiveness for me because I went to the school in the 1997. But the same illegal business practices and deceptive was going on. Back then we did not have the same resources of social media and agencies to help us as the generation of people do now. The FTC was the only main source back then. Please help or please give me resources to seek

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had my mortgage with Fifth Third bank for the past 5+ years since I purchased my home - the bank failed to disclose 1 ) by policy they will not re-assign the mortgage to another bank and 2 ) they recently are no longer authorized to originate loans in New York . 
As a consequence, now that I am trying to re-finance my mortgage, I have to pay mortgage tax AGAIN ( ~ {$7200.00} ) - by not disclosing their policy, I was completely un-aware that I would be effectively penalized for switching lenders. As I understand, it is extremely rare for a lender to refuse to assign a mortgage to another lender. The lender should have disclosed this at loan inception so that I would understand how costly a refinancing could be. 
Furthermore, while it would have been questionable/bad practice to keep borrowers stuck like that, since Fifth Third can no longer do business in New York, I have no choice but to pay more than $ 7K to switch lenders and lower my rate ( currently 5.25 %, well above market ). Fifth Third should have notified all New York borrowers of this change and offered an equitable option. 
With all of the required disclosures, it shocks me that this was not among them. 
I spoke with a loan officer at Fifth Third about this issue and he was rude and very unprofessional, insisting they 're not obligated to disclose this information and giving sarcastic responses. 
I feel disheartened that even as an educated professional I was un-knowingly and un-wittingly cornered into this situation and will be forced to pay more than $ 7k out of pocket to lower my rate. 
Fifth Third blatantly hid important information, it is a deceptive practice that deeply hurts the borrower.

Company response to consumer: Closed with explanation