vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Troy Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX . They sold the debt to Troy Capital, LLC and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
My second mortgage Citimortgage. The terms of the loan is balloon for 15 years and will balloon within the 6 years. I am not qualified for refinance and the only option is modify the terms of the mortgage. This is my 4th year trying to modify the loan for the 2 years we did not really pursue all the way to the end because I was informed by Citi that iam not qualified because I have to be late to be able to qualified for modification.although we dont have no problem providing the requirements. The third year I finished the requirement and went thru all the way again it get denied because to be able qualified is to be late on the mortgage payment non was mention about modifying the XXXX mortgage prerequisite to modifying the second mortgage.I explained to Citi for not being late on my mortgage although I am not late in my mortgage I am very late on other things like our electricity, water, cable and other things. I am afraid that if I am late I do n't want my property to be foreclose and taken away that I worked so hard and this this property is where I lived. 
This year again in XXXX tried to inquire about modification I asked them if I they can mail me the modification pocket. The fist encounter there is application for modification. The second call is my wife talked to mortgage specialist then requested to modification pocket there is no problem Citi will send the modification pocket. For 2 weeks non was mailed to us as the mortgage specialist mention. Then my wife called for requested another specialist made an appointment at XXXX XXXX, XXXX instead calling my wife at the appointment she emailed my wife that she called my wife at XXXX XXXX, do n't know what time. My wife said she did not received that phone called nor have record that this Citi specialist was called So then my wife waited for the appointed on XXXX XXXX, at XXXX specialist did not call at the appointed so my wife preceded to call the Citi specialist asked Citi .why she did not call for the appointed time and why is it that Citi refuses to sent the modification pocket so we start the process of the modification. Citi said there is no application for the modification and said what is it that you want and Citi specialist said we are not QUALIFIED FOR THE MODIFICATION IF THE XXXX MORTGAGE IS NOT MODIFIED which is not mention from the previous request for modification. 
Here is my problem with Citimortgage1 ) Requiring to be late to be qualified for modification which in the last 3 years. 
2 ) Citi mortgage refuses to mail me the modification3 ) Citi specialist said to my wife not base on paper I was told this time modification is not option because the XXXX mortgage was not modify4 ) play musical chair, you are going right in the because it was intended not to be modified anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have been attempting to obtain a loan modification on a mortgage at 6.8 % with XXXX XXXX XXXX for several years. I submitted complete applications by mail to XXXX on several occasions and attended a workshop held by the bank at the XXXX XXXX XXXX XXXX. With the representative assisting me, another completed application was made and all supporting detail was given directly to the bank representative. Over the course of this time, I was assigned several primary contacts with the bank, all of whom were extreme difficult to reach and did not return messages. Ultimately, I was informed directly by the bank that I had failed to submit all documents on a timely basis and therefore a modification could not be rendered. A few days after my last conversation with the XXXX, no resolution in hand, I received notification that my loan had been transferred to Green Tree Servicing. That was two years ago. Until XXXX 2015, Greentree has been oblivious to Harp or Hamp regulations and has consistently referred me to their refinance department where I was told they could not help me because they are not licensed to write loans in New York state. In XX/XX/XXXX I was given the name of my new primary contact at Greentree to whom I sent all required detail via Registered return receipt mail. I was then notified that I had failed to return necessary detail and therefor consideration for a modification was terminated. 
I have verified on the XXXX web site that the loan is one of there 's and eligible for modification. The house is in a nice suburban residential neighborhood. It is in good condition but attempts to sell at or below its appraised value have been unsuccessful due to the substantial number of foreclosures currently available at distress pricing. I 'm left in the untenable position of paying extraordinary interest on a property that can not be sold at sufficient enough price to satisfy the loan principle closeout let alone closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I received a 3rd denial letter from FBC stating I am ineligible due " income is insufficient to qualify for any foreclosure alternative programs at this time. '' I submitted a complaint about FBC not properly calculating my income and they admitted fault and I had to resubmitted paperwork to once again prove income. For 14 months, I 've been fighting with FBC by sending the requested documents and waiting the allotted time for an approval only to be denied again. My income and debt to ratio are not being properly calculated for my loan to be reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I recently wanted local banks to cash U.S Government Savings EE Bonds that I purchased 30 years ago. XXXX of the XXXX banks that I visited to get this done refused to even talk to me because I was not a customer. On advice from Treasury-Minneapolis MN, I filled out Form XXXX from their website. I was to take it to any bank to certify my signature and call a toll free number if their was a problem. They refused. Since purchasing the bonds from a Bank, it is reasonable that a bank would redeem the bonds. I have written to the XXXX Banking Committee about my problem in detail with copies sent XXXX and each of my XXXX Representatives. I also sent a letter to XXXX Bank President identifying excellent Customer Service of a local Bank Manager who listened to my needs and together we found a solution to my predicament. The reason for not being a local bank customer is explained in my letter XXXX. I would be happy to forward copies of these letters to you so that you can fully understand what should have been a simple task took an entire day with a great deal of frustration dealing with a " Catch 22 '' situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was cosigned on a car loan through Wells Fargo. The car was totaled in an accident in XX/XX/XXXX My granddaughter 's insurance paid a settlement sometime before XXXX XXXX. There was a remaining balance. I did not find this out until XX/XX/XXXX, when I returned a call from collections. Meanwhile, Wells Fargo had been reporting that a deficiency existed on the account to the credit bureau. As a result my credit score dropped from excellent to poor. When I asked them point blank " Why was n't I notified? '' they could n't give me an answer. Had they notified me at the time of the settlement, I still had excellent credit and the ability to arrange for immediate payoff of the balance. They should have given me written notice so that I could have had the necessary information in hand. I simply was not kept apprised of the change in the account. I faxed a complaint to their dispute resolution unit and was promptly ignored via an unsigned boiler plate response. Knowingly or not, they manufactured a deficiency against me that would have never come about had they given me written notice. I have taken over the monthly payments since this situation arose. I would not be making these payments had I been afforded the opportunity to pay this loan in full when my credit score would have provided the means to do so. 
My credit report speaks for me, reflecting a long standing excellent credit history. Good credit is vital to my personal finances as I am on a fixed income. This deficiency is the only mark on an otherwise excellent credit record.

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 2015-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I got a loan from Cash Call for {$2500.00} - a year later, I 've paid it back and more. I finally was able to pay off said loan so I logged into my account, noted the payoff amount and mailed a check. ( They do not make it easy to pay online. ( ie need to make mult payments to pay full amount - plus fees for each payment ) I mailed a check - now they say that 's NOT the payoff amount because they got check 2 days later. And they want more money! 
I will NEVER again do business with Cash Call and DO NOT recommend them. They are PREADATORY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 've supplied XXXX ( XXXX XXXX XXXX ), the furnisher, along with ( Experion ) ex and ( XXXX ) XXXX a copy of a written confirmation of the only account that I had with them is settled and closed, with no further balance since 2013. 
In the letter, was the account number, reps signature and phone number. 
CRA 's are reporting that I have XXXX accounts from XXXX creditor, which is wrong. 
I 've been challenging this for the past two years with no success. CRA 's maintained the furnisher is reporting correctly. 
I called the collections unit and spoke with XXXX XXXX ( the account rep handling my account @ XXXX ). She confirmed this was an error and did n't understand why they 're reporting improperly. She asked me to allow 30 to 45 days for adjustment. I received confirmation from ( XXXX ) XXXX the phantom-XXXX account is deleted. The other XXXX confirmed the ( phantom-XXXX ) account is reporting correctly. 
XXXX, sent results with the XXXX accounts separated : confirming the correct account number with {$0.00} balance and an invalid phone number. And confirmed ( the phantom-XXXX ) item, the same company ( XXXX ) with no contact number and different address. 
Experian simply states ( report # XXXX ) updated ( the phantom-XXXX ). 
when I called to get more clarity, they both told me, I had to provide proof I only have XXXX account with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all 3 major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all 3 bureaus. 

However, my complaint is that TransUnion said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Transunion investigating and ascertaining the matter they said my investigation was complete ... ... they said Inquiries are a factual record of file access??? 
My point is what was the reason of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the FRAUDULENT inquires and FRAUDULENT DATA be removed from my credit report and history Inquires XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquires XXXX XX/XX/XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Inquires Fair XXXX via my Fico XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX Remove Address XXXX, XXXX, CA XXXX Requested fraudulent residence be removed already on XX/XX/XXXX and XX/XX/XXXX Remove Employment XXXX Requested fraudulent employment be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/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 explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I purchased a car XX/XX/XXXX and the loan was through BMO Harris Bank. I had to take a Chapter XXXX Bankruptcy XX/XX/XXXX. However, I was allowed to keep my car and make the rest of the payments IN FULL to a court-appointed trustee. I paid over {$11000.00} in principal and over {$800.00} in interest ( documentation attached ) to the trustee, who in turn paid BMO Harris Bank. I have completed all paybacks on my bankruptcy and yet Harris Bank ca n't seem to locate my title. They also turned me in to all XXXX credit report agencies as having over {$8000.00} " charged off as bad debt '' which is absolutely not true ( see attached documents ). I have spent hours on the phone, hours writing letter, and hours waiting for return calls that never come.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My fiance and I was searching for a forever home and we finally found one and put an offer on it. My fiance went with freedom mortgage because he was referred. The house was supposed to be a convential loan but with the ac missing and the front door in need of repair it had to be a XXXX loan. I was told it does n't take a super long time but it is longer than comventional. They were still gather info on our credit and financial things even in to month 3. Which is ridiculous. By the time they sent for an appraisal, that did n't come back for over 3 weeks which was after our closing date. Yes, we had to have an extension and it was approved. The appraisal came back with XXXX item on the list which included a whole lot of small repairs including replacement of a vanity cause the floor in it was broke to outlet covers, but yes there was one repair that cost a lot and that was the outside siding. Freedom mortgage would n't let me pay any money out of pocket or do any of the repairs myself which just kept raising my mortgage dollar amount. I had the money to pay for repairs out of pocket but they said that all I had to do was tell the contractors to not deduct the whole amount and the money left in account will go back to principle, and meanwhile with their procrastination we had to have a second extension which was approved. Now it 's past 4 months and closing date is coming up again and my lender tells me we are not going to close on that date. I filed for a 3rd extension and was told I would have to put more money down for deposit and my extension is approved but only because I am an excellent buyer with excellent credit and money in the bank. With the 3rd extension steadily approaching it was clear freedom mortgage would not be able to get their paperwork in order. My loan officer and my loan processor could not agree with anything and my loan processor kept losing my personal financial paperwork hence why it took over three month to collect my financial stuff. Now I lost the house and I 'm extremely mad because that was a home that I could see myself for the next 30 40 years. My loan was denied because of too many extensions not because of me but because of them. But they sent me a denial letter saying I cancelled the deal, which I did not. And because of that I ca n't get my deposit back. Please help me get my deposit back.

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 2015-04-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I accessed my credit report and found a mortgage loan that I have been included as a Co-buyer. Loan was obtained by a family member who used my identity without my consent. Account is reported as a repossession on my credit report. Account is not my responsiblity

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Office of Linda Strumpf
State: FL

Complaint narrative:
I was contacted back in XXXX and threatened with jail and liquidate all of my assets if I did not pay for an account opened back in XXXX. The attorney XXXX XXXX has been harassing me since XXXX. When I was contacted again in XXXX I told them I already paid it off. They preceded to call my job and spoke with HR several time, called me at work harassing me so I agreed to pay so they would stop calling at work, sending a sheriff to my home to serve me. I have made over XXXX in payments and now they are sending another court document that I now owe the same amount again and additional fees totaling {$5100.00}. XXXX XXXX, XXXX. has run my credit/social security again on XXXX/XXXX/XXXX without my consent ; to retrieve my address and sue me for the same charges I have paid for twice already. This is fraud. She keeps selling the same fraudulent account ( Under XXXX, which is her husbands company ) to other attorneys to collect from me and then selling it to another attorney and tack on more fees. This is now the third or fourth attorney. When I ask for a certified letter with documents on what the account was, the charges breakdown. They tell me they ca n't but will can send me an email. Once I told them I was going to file a complaint and seek legal council, two weeks later I receive a judgment from the court. I need help, they have now contacted my employer and sent a sheriff to my office. I need some assistance as I will need to seek an attorney. The new attorney now reaching out to me is named XXXX XXXX, PA. Please help.

Company response to consumer: Closed with explanation