vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant XXXX % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

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 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This happened during the year of XX/XX/2016 where I had XXXX emergency visit to XXXX for XXXX. During the time, my insurance had my out pocket cost capped at XXXX dollars of medical payment. I have paid my XXXX dollars of out pocket and yet there are emergency room bills that should n't be charged to me at all still kept reminding me that I have to pay the bill. I have contacted the emergency service and my insurance multiple times and yet the bill still went into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I experienced financial hardship and was unable to make my credit card payments for 5 months. Recently, the credit card issuer sent me an e-mail to make a minimum payment of {$240.00} to bring my account out of delinquency. The e-mail states that I can regain use of the card. The credit card company placed a restriction on the card and refuses to honor their e-mail. The credit limit is {$800.00}. The balance was {$990.00} and I was required to pay {$240.00}. My available credit would only be {$53.00}. I contacted their office and spoke with a supervisor who mentioned that they will continue to review my account but it will remain restricted. I mentioned the email and she just stated they will review my account. Before my financial hardship, I continuously made my credit card payments on time each month. I would like Capitalone to honor the e-mail sent and remove the restriction on my account plus any negative reporting to credit bureaus since they knew about this hardship. They can view my account history and offer a forgiveness plan based on my continuous prompt payments over a period of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Lincoln Financial Services
State: CA

Complaint narrative:
I got a truck for my cousin on my credit then they were going to transfer to his well the car got repo and they sold it without my consent and they never notify me and its on my credit as a bad debt. They chargeing me more then car was worth. They called my work and they were harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America purchased a mortgage loan on the residential home of my ex-husband. He is now in a XXXX due to XXXX XXXX. Bank of America was notified that he lived in a XXXX that required him to sign over his retirement income, along with Social Security. Bank of America has now foreclosed on the residential property. In all my conversations with Bank of America, it was always told me that I was not responsible for the loan, but because I had Power of Attorney, they could talk to me. I had to file the POA with the State before they would honor it to even discuss the loan with me.. ( We divorced in the 2nd year of the original mortgage and property ownership was granted to my ex-husband by the divorce court. ) I now have POA for his medical and business care because he has no one else to help him. Bank of America knew this information and NEVER attempted to collect or report this loan on my credit report as his ex wife, in over 20 years. I was told they would n't and they did n't, until now that they have foreclosed on the property. They are now reporting it on my credit bureau and have sold the foreclosure to XXXX who is also reporting it. I now have 2 mortgage foreclosures reporting on my credit bureau for the same loan that I had a verbal agreement that I was not responsible for. ( evidenced by NO reporting or collection attempts in over 20 years ) It is NOT right that I was mislead by Bank of America and now 2 Mortgage Companies are exploiting my excellent credit as verified with no late pays or charge offs, on any of my Credit Bureaus. I received a letter from XXXX saying they were working with BOA in foreclosure on the property and the notice was NOT to be deciphered as a collection notice. Since they have NEVER attempted or discussed collecting from me or indicated I was responsible for the loan, please remove the credit reporting from my credit report. This type of exploitation by Financial institutions is crippling to consumers. It ties my hands to having a great credit history. Using unfair methods just because you can get away with it is not what America is about. We are a country of compassion. Bank of America and XXXX are NOT doing the " right thing ''.

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 2017-02-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a home equity line of credit ( can be used similar to a credit card, against the value of my home ) with TD Bank a few months ago. My limit was XXXX. The only transaction I did was for the amount of XXXX, to pay off my remaining mortgage and home down payment. When my first statement arrived in my home, the balance stated over XXXX. More than XXXX was spent by someone else, using my card that TD Bank said they had mailed to my home, but I never received the card. Somehow, these people activated my card and used it on a spending spree all over the city -- at many ATMs to withdraw cash, XXXX, and many luxury goods stores along XXXX XXXX in XXXX. Since then, as they asked, I filed a police report ( that I will attach ), and it 's been over 6 weeks. TD Bank will not return the funds to my account. They are in a never-ending state of " We are still investigating '', but meanwhile I can not use that balance in my account for business matters. It is causing me great XXXX to have this hanging over my head.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
original case # XXXX was resolved except for the credit reporting. because I was considered for the trial payment plan, bofa considered this to be a credit problem and entered a seriously delinquent report to the bureaus. I have never been late and always paid on time I need this rectified. it is damaging my ability to borrow money or get a loan. thank you PS thank you for assisting me in getting the modification approved through Bank of America. That was n't going to happen either without your help.

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 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America mortgage loan # XXXX was paid in full XXXX XXXX, 2016. 
Today, XXXX XXXX XXXX I called to ask why the paid note and cancelled deed had not been returned to me. Bank of America agent said that they did not exist!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank has been charging me ridicioulous fees when I had money in my account but the real reason I 'm filing this complaint is because of bank closing my account and therefore rejecting my federal income taxes. I 'm a single of XXXX who has bills scheduled to withdraw from my account on Monday. My sons birthday party is Sunday and I now have no money to pay for any of that. I 'm being told that it will be an additional 5 weeks to receive a paper check. 5 weeks that I dont have! Because my bank lied to me when I called monay XXXX/XXXX/2017 to verify my account was open and that they can NOT close my account without my permission ( me calling back in to cancel it ). I was told that since I have money in there and pending transactions, my account can not be closed. That my account was not in closing status! Yet now on Friday XXXX/XXXX/2017 I call back to see where my refund money is ( due XXXX/XXXX/2017 ) and they tell me my account was closed and the money was rejected. 
This is fraud, bad consumer practice, and poor customer service. 
Chase feels since they are big bank they can charge and do anything they want and I 'm not standing for it. 
I work hard for my money. To support my children. Provide food, shelter and to pay my bills on time. 
Chase has put undue hardship on myself and my family by lying and doing things without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a credit card with Chase Bank that had an outstanding balance that was discharged thru bankruptcy. This debt is still showing on my credit report. I met with Chase Bank employees to get a written statement that there was no outstanding balance. Although the bank agreed that the balance was discharged they would not provide documentation to that effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have been trying to get a loan modification from Freedom Mortgage since XX/XX/XXXX and have been getting conflicting information and they constantly ask for the same documents. They did deny the modification and I appealed on XX/XX/XXXX but I have not received any written communication on the status of the appeal. They are still however asking me for the same documents. My spouse is not a co-borrower but they told me they need his financial information and then they told me I did not need to and now again they want the information.

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 — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. 
They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.

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 2017-02-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I sent QWR to Carrington mortage. I requested the owner of the note and all assingments. To answer the question why in XXXX/XXXX/16 besed on Carrington letter some one would of purchase the Mortage that was over five years knowing that the statute of limitation in florida is five years.THe QWR askes for backup of the escrows for insurance and taxes and provide no cancelled checks or reson for having escrow. The escrow are wrong. XXXX in partucular is for force place insurance of XXXX form the same insuarnce I had insurance with XXXX. My insurace was {$3400.00} and the price of the foce place insurance was XXXX. This is fraud. Why would a bank spend more money on insurance when thay have the old policies with ther renews to renew which are less expensive than force place insurance. The mortgage companies are in business to make a profit. thus spending less makes more money. It is aganst there charter to spend more on insurance and make less money.The amounts onwing are incorrect. No back up in provided. The Note holder has been escrowing {$120.00} a month for no reson for over 5 years. The interest which is variable and change each years is wrong. There is not XXXX consisting document. Please have the Note holder provide the documentaion of ownerership along with the copy the the check he purchese the mortage. Someone came by my house taking picture for potential buyers of my mortgage. Why was I not allowed to purchese my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I AM A VICTIM OF MORTGAGE FRAUD AND DISCRIMINATIONS FROM WELLS FARGO HOME MORTGAGE. AS A RESULT OF A CLASS ACTION LAWSUITS FOR MINORITY HOMEOWNERS, I WAS ISSUED A CHECK BY WELLS FARGO XXXX. RECEIPT OF THE CHECK WAS SO UNTIMELY, THAT MY BANK REJECTED THE CHECK AS OUTDATED. I RETURNED SAME TO WELLS FARGO XXXX MORE THAN 7 TIMES FOR A REPLACEMENT. AS TODATE, I HAVE NEVER RECEIVED ANY REPLACEMENT OF THE RESTITUTION CHECK AS ORDERED BY THE UNITED STATES DEPT OF JUSTICE. OUTDATED CHECK NO XXXX, TRACKING NO XXXX, CHECK AMOUNT {$7300.00}. MY MORTGAGE LOAN NO IS : XXXX. THAT MONEY LONG BEEN OVERDUE TO ME AS RESTITUTION. AND THE XXXX ISSUED ME A BAD OUTDATED CHECK WHICH OF COURSE WAS OF NO USE. I DEMAND JUSTICE AND FURTHER DAMAGES PLUS INTERESTS.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XXXX 2012 my son opened a credit card with Discover, it was a student card. The card had a {$1500.00} limit, that summer he went to Florida and proceeded to charge an additional {$700.00} over his limit ( Discover allowed him to do this ). I am not even sure they checked his employment to be sure he could afford to pay off that kind of debt. When it came time to make payments on the card I had to get involved to help assist him with this debt, I had called Discover on his behalf and they needed approval from him for me to speak on his behalf he said that was ok. Meanwhile Discover added me on to the account as an authorized user, the way I found this out was the other day I was checking my XXXX account and they said out of XXXX payment XXXX were on time the XXXX that were late were Discover card payments. I do not have a Discover card in my name, I reached out to XXXX and XXXX, XXXX said they would dispute it for me, I could not get a hold of XXXX XXXX. I am asking for assistance to have Discover remove me off of my son 's account that I never approved them to do and to remover the XXXX late payments off of my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The CFM Group
State: IL

Complaint narrative:
I was called from an unknown number and was told they were a " Legal processing center, '' and there was concern about a legal case I was involved in. I asked for the name of the legal processing center and they led me to believe it was a governmental organization. The person speaking said his name was  XXXX   XXXX . He gave me a case number and the name of "  CFM   XXXX   XXXX  , ''  with a phone number. I called the phone number,  XXXX  "  XXXX   XXXX  '' answered the phone and was speaking in cryptic language about my " case '' which had a " red flag '' attached to it. I asked if it was an attempt to collect, and he said " collect what sir? '' I said, " Is this a collections call? '' and he said " NO, THIS IS N'T A COLLECTIONS AGENCY. '' I was led to believe there was a legal issue that I had to address because they blatantly lied to me. Knowing tha t collectors are not supposed to implement tactics like this, I did not believe they were collectors and therefore did  not supply them with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them.

Company response to consumer: Closed with explanation