vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I have been working with my current mortgage company, PHH Mortgage, in regards to a loan modification. Back in XXXX of 2016 I was informed that my loan modification had been approved and that my first payment was due in XXXX. I made the first payment as scheduled. In XXXX I received notice that my loan modification had not been approved. I contacted my attorney and that third party company that I was working with regarding this notification and as result, it turns out that the mortgage company had not sent any trial documents and that the loan approval documents had not been sent to the correct address. After receiving all of this information PHH mortgage advised that the loan modification had in fact been approved, the miscommunication of loan documents had been an oversight on their part and to go ahead and send in my payments directly to them. I have now received notice that my home is up for foreclosure with a date and time of sale. I am an XXXX service member, which the mortgage company is well aware of, and have stayed engaged with them in every step to save my home. I contacted my attorney and the third party company for assistance in this matter. Contact was made with PHH Mortgage to discuss this matter and now we are being told once again that the loan modification has not been approved and that my payment has been return ( nothing has been received from PHH Mortgage ). We have asked to speak with my case manager at PHH Mortgage, his supervisor, and that persons supervisors. No one is ever available to assist in this matter. Once again I am in danger of losing my home and also, the tenants that I have living in the home are in danger of being put out. This highly unprofessional and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/16 I went to Lending tree looking to get rate quotes for an auto refinance. When filling out your information on the Lending tree website it ask for your information and the last XXXX of your SSN, which normally entails a soft pull for promotional purposes. It further states " View Free Offer ''. Well Lending tree was able to retrieve my full SSN, which I did not give them and they passed it on to other lenders who turned around and did a hard pull without my authorization to do so. When these lenders called and left a vm in regards to the the rate quote I wanted they said they needed additional information in order to proceed. Well I never called them back not realizing they had my full SSN and they pulled my credit report by just using the last XXXX digits of my SSN. I did not know this could be done. As I did not give my full SSN. Their website is not very clear and can be deceptive. When I contacted Lending Tree in regards to this matter they said it states that they will do a hard pull, but it does not state such where it 's very noticeable. Furthermore, they did not even give any rate quotes but only gave the lenders name and phone number. I think lending tree should put on their website that this will result in a hard pull in Big Font right underneath where it asks for the last XXXX of your SSN, as this is misleading and shoppers are unaware of this free offer resulting in a hard pull of their credit report. I also did compassion shopping of their mortgages and it did not result in a hard pull but a soft pull. I want Lending tree to have these inquires be removed from my credit report as I did not authorize for my credit report to result in a hard pull as I was not applying for credit but was simply doing comparison shopping of rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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: Allied International Credit Corp., (US)
State: NY

Complaint narrative:
Allied International Credit Corp sent a letter claiming I owed {$50.00} on an XXXX account and asking for payment. They claim previous attempts to resolve the issue, but it 's the first I 've heard of it.. They provide no details of the alleged transaction, and in fact I 've never used XXXX. It seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc.
State: WA

Complaint narrative:
I started down the path of signing up for Lending Tree when I discovered that you needed my social security information, I was no longer interested. After that I received, and continue to receive unwelcome phone calls to my phone number, I requested my data be removed and I be put on the do not call list. I was then told I would be put on that list after 72 hours, but more than a month later I am still receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I had just sold my house and was set to close on XXXX XXXX, 2016, however Vectra Bank of Colorado had not released the lien on my house which was supposed to be released 13 years ago when the note was paid off and the mortgage was obtained by XXXX XXXX. It took us, the Title Company out of XXXX, Colorado and mostly myself to call the bank fill out all the paperwork and talk to them daily if not 2-3 xs a day to get the lien released so the sale could go through. The lien was not released until 10 days later on XXXX XXXX, 2016 I lost over XXXX dollars because my house could not close on the XX/XX/XXXX because they Vectra Bank had not released the lien which was suppose to be released 60 days after the note was sold. I am upset because of the loss of money, I could use that money, and the bank does n't seem to care whether or not they got the lien released or not. I think this is ludicrous. If I were to run my business this way, I would be out of business. I think that Vectra Bank should be made responsible for my loss of monies since they are at fault for not having the lien released several years ago..

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 2015-04-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-23 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.

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 2016-12-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
In XXXX I applied for and received a Verve credit card. On or about XXXX XXXX, 2016 I called and cancelled the card. I never activated the card and made no payments and I was told I would therefore owe nothing on the card. Nevertheless, on or about XXXX XXXX, 2016, I received a letter from Continental Finance indicating that I had a balance of {$120.00}, with a minimum payment of {$35.00} due on XXXX XXXX, 2016. 
When I called the customer service number from the back of the card, XXXX, I was told by the automated teller that the balance on the card was {$0.00} and no payment was due. I have been unable to reach a Continental Finance representative to discuss the discrepancy between the content of said letter and the information provided by the automated teller.

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 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: MO

Complaint narrative:
I submitted a payment online through my XXXX ACH. I was told by my bank the payment would post on or before XXXX/XXXX/2016. But instead the company Tidewater finance posted the payment on XXXX/XXXX/2016. By Tuesday XXXX/XXXX/2016 the payment should withdrawn from my account and sent the the company. However due to no fault of my own Tidewater could not locate the payment. I had to go to my bank to see if the acutally sent it which they did because they can see it drawn from my account. This took Tidewater 2-days to locate the payment and they posted to my account. The payment posted on XXXX/XXXX/2016 due to Tidewater. Which made my payment post on the XXXX day instead of the XXXX. When I contacted tidewater to change the payment date to XXXX/XXXX/2016 they said I would need to contact my bank as it was their error. This was not the case this was completely the error of Tidewater finance. I was told by Tidewater they could n't locate the payment till after XXXX which caused it to post on XXXX/XXXX/2016. That is unacceptable to me considering the payment was received in the an adequate amount of time. Tidewater should not have the liberty to post payments when they feel like it. If the payment was received on XXXX/XXXX/2016 or XXXX/XXXX/2016 before or after XXXX it should be considered received on that day. The 31-day late will have a teremendous negative impact on my credit if this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XXXX, 2015 I applied for a Goodyear Credit Card at a Goodyear service center and purchased tires. I began to fill out the paper app and was told to just wait and the sales rep would do it on the computer instead. I watched him and checked over the printed information after he was done. I have my multiple copies of my invoice which show my correct bill to street address which is what he used for my credit card application. 

I did not receive anything in the mail, and assumed it would be a few days extra due to the holidays and new year. 

On the morning of XXXX XXXX I called the contact number I found online because I had not received a card or any information yet. I was told that the address they had was incorrect ( missing apartment number ) and the original card was not returned to them and they would promptly send out a new card with a new number. At that time I made a {$200.00} payment over the phone because the payment was due on XXXX XXXX. 

Last week ( I believe the XXXX ) I got a phone call saying that i needed to make a payment on the Goodyear card. I told the female representative that I called on the XXXX and made a payment, and the representative said " oh I see that now, sorry for the inconvenience '' and hung up. 

I got a call this morning ( XXXX XXXX ) from another rep saying that I still had not made a payment. This time she informed me that the first payment was in the computer but they must have put in the wrong information and it was not processed. I made ANOTHER attempt at an over the phone payment this morning of {$200.00}. 

I FINALLY received my credit card the afternoon of XXXX XXXX. I was able to then access my online account and saw that I was penalized with a late fee of {$27.00}. I utilized the chat feature of the website and connected with a representative named " XXXX '' at XXXX ET. After speaking to him and him telling me that it was a late fee because they did not receive payment and that there are two " attempts '' at a payment on the account, I advised him of what happened and asked when the late charge would be removed and and he stopped responding. After 25 minutes of inactivity I closed the chat window.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
New American Funding ran a paid advertisement on the radio. The broadcast said that a special refinancing offer was available for people who called during the broadcast. The advertised rate was 3.375 % 30 year loan bought down to 2.375 % for the first year for a refinancing. Also, the ad said that there were XXXX closing costs. They kept emphasizing all of these points. I called during the broadcast and Spoke to XXXX XXXX, one of their lenders who did business in Colorado. We have EXCELLENT credit, and a large escrow in our house. I told him ideally we would like to refinance our first and second loans together and then he asked for all of our confidential information ( where we do banking, our salaries, our social sec numbers, etc ). He said he would get back to me in a few hours. Did n't hear from him. I called the company two days later and they tracked XXXX XXXX down. Yes he had the wrong email for me, but still did n't have the numbers. Then he called back and said he could only get us a 3.875 % loan with us having to bring in {$6000.00}. Now this did n't make sense and was n't what was advertised! I asked him for a good faith estimate and told him I was really unhappy. He said it was because we were trying to get cash out ( to also pay off a credit card ). I said " fine '' forget the cash out. I want the special offer of 3.375 % /2.375 %. He said he would go back and get me another set of numbers. Waited another 2 days. Then he still came back at a much higher rate. Said this was because the special offer was only for loans above {$410000.00}. Now I 'm really starting to get frustrated. The hidden limitations were not making sense. I told him to refigure the loan again ... the rate he was quoting me was ridiculous and way above market rates. I also asked him for a copy of the loan limitations. Then he said he would get back to me that day. Waited 8 hours .. no reply XXXX next day no reply. He only replies when I cancel the loan refinancing. 

Either XXXX XXXX is playing games .. or New American Funding .. whom XXXX XXXX XXXX .. is playing games.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
They have a " Call Blaster. '' On XXXX/XXXX/15 they called me XXXX times between the MINUTES of XXXX and XXXX. I was speaking to the medicaid office in Ohio and it disconnected me and because of the repeated calls, I could not get back on my call. 
This is not the only instance of this happening. It has happened several times over the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was served a notice of default by a seller trustee. I had never heard from my reverse mortgage company. In fact, I was told by the seller trustee that my reverse mortgage had been sold to another lender. It has been 3 years, almost 4,, since I have had a statement, or any kind of contact whatsoever. I was told by my original lender that my taxes and insurance would be paid out of a fund they had, and there was enough to cover it. In XX/XX/XXXX I received notice of default, they claimed they had tried unsuccessfully to reach me, however the seller trustee had no problem in locating me. I am in my home and have been here since XX/XX/XXXX. Lender stated that they had received mail back from an old mail to address. I called immediately upon receiving notice of default. I was given an amount and tried to pay it that day. I was told that the representative would double check the amount due and all back in two weeks. She did not call, so I did. I was told the amount was now {$1700.00} higher than the amount originally quoted. I asked for a written statement on exactly what I owed. To date, I still have not received this statement and I have made XXXX different requests since XX/XX/XXXX. I called again XXXX weeks ago, asking for the amount and it is now another {$1000.00} higher. I can not get any information, they will not tell me where to mail the payment, and when I ask to speak to someone in charge each person tells me they are in charge. Citgroup has refused to take my payment, has refused to allow me to pay it off in installments, made no attempt to notify me that I was in default and now refuses to give me the address to send the payment. They have now set a sale date for my home of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a loan with PenFed. 
I have paid off the loan. The loan company keeps charging Insurance cost, and refuses to properly refund. I am so sick and tired of this company. They have been a total nightmare to work with. If you look at their XXXX rating, you can see that have many negative reviews.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.

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 2017-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to apply for a home equity loan and they said I have a second mortgage lien, I searched the county records and found the following. I have no records or accounts with OneWestBank. I want to have the note reconveyed. 


Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : XXXX XXXX XXXX XXXX XXXX XXXX : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : INDYMAC BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX XXXX DEED Recording Date : XX/XX/2010 Number of Pages : 1 Grantor : INDYMAC FED BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX

Company response to consumer: Closed with explanation