vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). 
My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. 
This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. 
At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. 
Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bank charged for an extra month of rent on the vehicle lease, because they failed to check the return inspection for to verify the auto was returned on XXXX XXXX, 2015. Each letter to the bank results in additional paperwork, without the questions in my letters being addressed. 

I am requesting CFPB 's assistance in getting the XXXX month billing reversed with a refund check. Paperwork from the bank and my letters are attached.

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 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A ) I Have been working with Wells Fargo with a Loan Modification since XX/XX/XXXX. I have request a XXXX Speaker to help me in the process but Wells Fargo have not provide any one to help me in my Native language. 
A ) I have transfer for one to another different agent ( 8 in Total ) in this process. 
I have to explain and start all over again. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 

B ) The last documentation I have from Wells Fargo it was printing on XX/XX/XXXX at Wells fargo Facility. I did received on XX/XX/XXXX. 
Wells Fargo send me a letter printing on XX/XX/XXXX that according California Civil Code & 2923.55 ( f ) Thirty ( 30 ) Days, or more, have passed. 
This is statement is False. Even today have not pass ( Day of complain ) Thirty ( 30 ) days at all. 
C ) Right now I am in a Loan Modification with Wells Fargo because my financial situation have been change for good since XX/XX/XXXX. 
Wells fargo is violate the California Homeowners Bill of Right : " Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed ''. 
On XX/XX/XXXX I start the training for my new job. 
I did call Wells Fargo to tell that I have a new job ( Full-Time ) starring on XX/XX/XXXX and that I have rent one of the rooms in my house. 
On XX/XX/XXXX I call Wells Fargo to update my situation ( Financial ) and I request a Loan Modification. 
XX/XX/XXXX I call and request a Loan Modification again. 
XX/XX/XXXX I Call and request a Loan Modification again. 
On XX/XX/XXXX I call and request a Loan Modification again, this time they allow me to start the process. 
Right now I am in a Loan Modification with Wells Fargo but at the same time I am in Foreclosure active status that is illegal in California.

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 2015-04-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, XX/XX/2015, I was billed my annual membership fee of {$75.00} for my XXXX XXXX Visa Signature credit card issued by US Bank. I paid the fee due to the card 's offered benefits, including the Bonus Award night on award night redemptions of XXXX nights or more in the XXXX XXXX Rewards program. On XXXX XXXX, XX/XX/2015 the statement contained language indicating that this Bonus Award Night benefit would end on XXXX XXXXXX/XX/2015. Since I already paid the membership fee, I should be given this benefit until the end of the card membership year. US Bank has refused to refund the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
Closed on my home in XX/XX/XXXX, U.S. Bank bought the mortgage in XX/XX/XXXX but there is still noting listed on our Credit Report, we are being denied credit because we do not show as homeowners on our credit report. Contacted U.S. Bank, where I was immediately directed to collections, even though I have NEVER been late and was told that as a courtesy they reported me to the bureaus late! What courtesy is that. I want my mortgage listed on my credit report as the law states it should within 30 days!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank 's customer service is way too slow and really bad. i have had issue with my account 2 months ago and still it has n't been resolved. A lady at US bank made mistake and i got charged over draft fees 6 times. She suppose to reverse the charges 2 months ago. i have to call the bank everyday for last 2 months and keeps telling me that she will do it today but her today never came. now, im tired of calling bank because every time i call, a phone rep. tells me that she is either with customer or in meeting so i leave my phone number but she never calls back. i have to catch her on the phone, calling the bank many times during each day.

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 monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV

Complaint narrative:
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with XXXX XXXX XXXX ( XXXX ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from Ace Cash Express for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: NJ

Complaint narrative:
This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 

They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. 

New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: UT

Complaint narrative:
I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce. 

On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX . 

XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt. 

I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer. 

I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I got an email saying I owe from a company I never took out a loan from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XX/XX/XXXX I took out a payday loan from ACE Cash Checking from a store in XXXX XXXX. I borrowed {$250.00} and paid {$45.00} in fees. I was supposed to return a month later after receiving my check and pay off the loan. However, an ACE employee made a mistake and instead of being charged the money a month later, they wanted me to pay 2 weeks after taking out the loan. I explained that I could n't pay back the loan in such a short time, since I was yet to receive my check. 

They still charged me the money and it was hard for me to make that payment and still have enough for rent, bills, and more importantly to be able to provide what my XXXX kids needed. Because of ACE 's mistake, I had to renew the loan instead of paying it off as I had hoped. I fell behind on my phone and other bills. Every month I returned to renew the loan because I could n't pay off the full amount without falling behind even more. 

For 3 years I renewed the same loan. XX/XX/XXXX I had an XX/XX/XXXX at work and I was unemployed for XX/XX/XXXX months and was now receiving XXXX. I could n't afford to pay the loan and went to a friend for help. She lent me enough to renew the loan, but now I owed her and ACE. I continued with the loans a few more months until I really could n't do it anymore. I had to default after paying roughly {$1600.00} in fees alone over 3 years. A bit after defaulting I began receiving call and letters asking me to pay back what I owed. Still 2 years after defaulting, a collection agency is still calling asking for the money. I 've paid enough to ACE and can not continue with this cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Gitsit Solutions, LLC.
State: FL

Complaint narrative:
We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that First National Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, XXXX . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. 


Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates
State: SD

Complaint narrative:
I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First National Collection Bureau, Inc.
State: AZ

Complaint narrative:
First National Collection Bureau on behalf of XXXX has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was not able to get my credit report from Equifax online.

Company response to consumer: Closed with explanation