vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
The loan officer talked to fast and didn't explain details of the loan very well. I went to go sign the closing documents and it wasnt until then I found out I was getting two mortgages placed on my home ; both are adjustable mortgages ; a first and a second with a higher interest rate. None of this was explained to me, I had no idea this was what I applied forI asked the notary why I had to sign another deed of trustThe notary had to explain I was signing two deeds of trust because one is a first mortgage and the other deed of trust was for a second mortgage, she asked me if I wanted to cancel the signing and or call my loan officer and I told her no that I needed the money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I understand from news reports consumer protection is low on the priority list for this department however this is important for all working Americans. We just recently had our B of A checking account stolen and used in an attempted fraud case. We learned that individuals can get Visa checks printed through places like XXXX on the cheap just using bank routing and account numbers. This is what happened here. Somehow a person or persons stole or lifted our account numbers had cheap checks printed and tried to use them to get money from the B of A. If it were not for the fact there is limit that triggers the bank to ask question this person would have succeeded. The bank manager explained this type of theft/fraud happens all the time, such that first time perpetuators are not reported to the police. All consumers using bank checks need to be protected from this type of theft. The bank should be the ONLY place checks can be obtained. Having outside businesses be able to print checks independent of the bank issuing the checks is just asking for theft and fraud.

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 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: FL

Complaint narrative:
I have been fired ( registration issue ) and trying to get back to work, I have tried to modify the mortgage, been in and out of bankruptcy, paid attorneys- uncovered huge errors with regard to escrow calculations AND crediting of payments ( including refusal to recast- which is a right included in this mortgage. 

They are not sending me statements and will not give me information, AT ALL!! And I am in BK now. : ( ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Dear CFPB, I am XXXX XXXX. My email address is XXXX. My phone number is XXXX. My wife and me took two cruises with XXXX XXXX from XX/XX/2018 to XX/XX/2018. I used HSBC credit card. This is a copy of my ship card. ( See attachment ) I got a bill from HSBC, they requested me to pay {$410.00} to XXXX XXXX and {$150.00} to XXXX XXXX XXXX. ( See attachment ) I paid them, but I filled out a dispute form. ( See attachment ) I got a letter with HSBC, they said " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. '' I wrote a complaint to you. Please help me to refund back my money {$150.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I have reached out to this creditor several different times to request the validation of a account in which they claim I owe XXXX dollars, I ask them to provide me with copies of any documentation associated with this account bearing my signature and they have yet to provide me with this information. My first letter was sent certified mail on XX/XX/2018 and my second letter also sent certified mail was sent XX/XX/2018. By this company not validating the debt in a reasonable time frame they are in violation of the FCRA & FDCPA therefor I am requesting that the company delete the entry from all credit reporting agencies.

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 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Over the last month or so, the collection agency named Optimum Outcomes has started reporting medical debts on my credit report. Prior to these new medical collections appearing on my report, I am not receiving any notice whatsoever. To my understanding, the Fair Debt Collection Practices Act requires a collection agency to provide a 30-day notice to dispute, before they report accounts on my credit report. Apparently, Optimum Outcomes is waiving this requirement, and reporting these medical bills on my report without notifying me first ; and giving me an opportunity to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was sold by XXXX XXXXXXXX XXXX to Carrington Mortgage company. I wasnt notified of the transfer and only found out the month after transfer when i called in to pay the mortgage payment. I then contacted carrington in attempts to pay the loan with them numerous times, in which they had and still have a lock on the account and will not allow me to pay the loan. They are now reporting the account as delinquent and have ruined my credit score behind a loan they wont allow me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, XXXX XXXX does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
We received an initial collection letter in XXXX. Upon receiving the letter, we replied by certified mail and we requested validation of the debt. During this period, all collection must cease. We have since received another collection letter dated XX/XX/XXXX, attempting to collect the debt at a reduced amount. We have yet to receive the requested validation.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
Today, XX/XX/2018, i received a call at XXXX from the phone number XXXX. I was scheduled to get a call at noon from XXXX XXXX XXXX regarding a service issue I have been having and the same lady i spoke to yesterday about the issue was to call back. The same lady with the same name called and informed me that she was calling back to discuss the issue as scheduled, and says but before we start, I have a personal business matter to discuss, can I get the last four of you social security number?, assuming my att account needed to be re accessed to start the process i gave the number. She immediately proceeded to disclose that she was with a different company, the company associated with that phone number ( ConServ? ), and stated that this is an attempt to collect a debt from XX/XX/XXXX for the amount of ... i hung up the phone because This unacceptable behavior. An associate at XXXX XXXX XXXX is imposing as a customer service agent and using this as a lure to retrieve personal information of a customer to broker a collection. I can not confidently be a customer if XXXX XXXX XXXX any longer, and this deceiving strategy to collect does not make me comfortable giving any further information to settle said collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: PR

Complaint narrative:
Date : XX/XX/2018 / I submitted reviewing of claim placed for collection by Professional Debt Mediation , Inc., XXXX XXXX XXXX XXXX, Fl XXXX Date Notice of Collection : Opened XX/XX/2018 Amount : {$1200.00} Last XX/XX/2018 I submitted a dispute about a Notice of Collection for a delinquent account of an original creditor : XXXX XXXX XXXX XXXX, Florida. 
In XX/XX/2018 I called this collection agency to know the status of my dispute. At this time they have not answered about the investigation that I requested about this debt. 

I agree with XXXX a rent contract for 6 months that I needed to modify because I have to move for reasonable causes. We agreed a new contract which I fulfilled to the end in XX/XX/2018. I have documents included to prove this payments. I was never communicated by phone or letter any charges regarding damages or pending payments by XXXX XXXX of Florida. Nor, any alert notification of collection claiming for this debt. When I was reviewing my credit score in XXXX XXXX, in XX/XX/2018 ; then I saw the collection notice submitted since XX/XX/2018 and immediately I took action by phone and providing documents and submitted again in XX/XX/2018. 

As a consequence of this Collection notice pending. I have a negative reputation that is affecting my credit history with the credit card agencies. They have limited my credit balances. Also, my credit score is deminished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: IL

Complaint narrative:
I recently made a payment for my discover now credit card. When I was making the payment I noticed that I was 2 days late in making the payment. The thing is, I never go a reminder on the due date of my next payment. If I knew, i would have paid it. I recieved no letter nor email. I will like to fix this before being penalized for my lack of knowledge. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is about BestBuy/ Citibank credit card. Here are the facts : 1. I made a purchase of {$2000.00} in XX/XX/XXXX that had 'no interest promotion ' for 18 months. The promotion ended in XX/XX/XXXX. 
2. In XX/XX/XXXX, I was charged {$1000.00} as deferred interest since the balance on 'no interest promotion ' was not paid in full. 
3. Between XX/XX/XXXX and XX/XX/XXXX, I made a total payment of {$4300.00} but these were not applied towards my 'no interest promotion ' but on my revolving credit. 
4. As a customer, I have right to decide whether my monthly payment should be applied toward revolving credit or free promotion. However, for some strange reasons, BestBuy/ Citibank website does not allow you to exercise this option online. 
5. As a result, being an online customer, I do not have this option to decide how my payment should be split and applied to what balance. The website also does not provide any information on how my monthly payment is going to be applied ( i.e. to what balance ). I think this is totally unfair and non-transparent way of conducting business. 
6. It is also worthwhile to mention that deferred interest is then applied to your regular balance and the customer then has to pay interest on deferred interest which is again completely unfair.

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 2018-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc.
State: TX

Complaint narrative:
There are 2 accounts that are appearing on my credit report from XXXX XXXX XXXX XXXX On XX/XX/2018 I sent them a request asking them to validate that these 2 were my accounts such as a contract or application. To this day I have not received anything from them. I did send out the letter certified mail so I do have proof that they did receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with Nissan Motors/ XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been fighting with Experian and XXXX to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.

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 2018-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED MORTGAGE CORP
State: SC

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER UNITED MORTGAGE CORP, THEY REQUESTED DOCUMENTATION ON XX/XX/18 AND I SENT THE REQUESTED DOCUMENTS ON XX/XX/18. I CONFIRMED THAT DOCUMENTS WERE RECEIVED ON XX/XX/18 AND NO DOCUMENTS WERE BEING REQUESTED AT THAT TIME. I CALLED IN TODAY XX/XX/18 AND I WAS INFORMED THAT THEY REQUESTED DOCUMENTS ON XX/XX/18 AND BECAUSE THEY DIDN'T RECEIVE THE DOCUMENTS WITHIN MOMENTS OF HAVING RECEIVED THE DOCUMENTS THEY CLOSED THE FILE ON XX/XX/18. THIS IS OUTRAGEOUS!! I TRIED TO SPEAK TO A SUPERVISOR AND I WAS TOLD THAT THE SUPERVISOR WAS NOT AVAILABLE, HOWEVER THEY WERE AVAILABLE TO SPEAK TO THE REPRESENTATIVE THAT I WAS SPEAKING AND INFORMED HER THAT IT IS COMPANY POLICY TO KEEP THE FILE FOR A PERIOD OF TIME AND IF DOCUMENTS ARE NOT RECEIVED THAN THEY WILL CLOSE FILE. WELL LOOKS LIKE THE SUPERVISOR HAD TIME TO GO OVER COMPANY POLICY BUT NOT TIME TO GET ON THE PHONE TO BE A SUPERVISOR. THIS POLICY MAKES NO SENSE AS I ASKED THE LADY I SPEAKING WITH HOW DOES THAT MAKE SENSE DUE TO WHEN I FAX YOU DOCUMENTS YOU TELL ME THAT IT TAKES 48 TO 72 HOURS TO UPLOAD SO BY YOUR COMPANY STANDARDS YOU WILL CLOSE EVERY FILE ON EVERY REQUEST. THE LADY SAID ALL I DO IS READ THE NOTES I AM NOT THE PROCESSOR, PROCESSOR OR NOT THIS POLICY IS A JOKE AND NOT WITHIN FEDERAL GUIDELINES. I HAVE AN FHA LOAN AND THEY ARE DEFINITELY NOT ABIDING BY THOSE GUIDELINES EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citi Bank settled a case for over charging interest between XX/XX/XXXX and XX/XX/XXXX. I was involved in this settlement and received a check for the incorrect charges on one existing credit card account. 
I had an additional Citi Card account that has not been reviewed or any notification provided. The concern here is that the account was transferred to XXXX XXXX at the start of XXXX. How do I get confirmation that the additional account ( no longer Citi Bank ) was fairly reviewed? 
Citi is in denial and XXXX has no request for review to date.

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 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
Just received a notification about a collection from XXXX XXXX on XXXX in the amount of {$160.00}. I have never received anything from this company and don't know who they are. I don't know what the debt is for and have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX 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