vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services , LLC is my mortgage servicer. I have not missed any payments nor been behind on my mortgage payments. The reason I am filing this complaint is that Carrington representatives keep calling me repeatedly telling me that they have some products I may be interested in to refinance the mortgage.

My telephone number is on both the state and federal do not call lists. I have also submitted written notices to the credit bureaus to " Opt Out '' of solicitations for credit. In addition, I have told the representatives at Carrington NOT to call me with unsolicited offers to refinance, which is ludicrous anyway because Carrington Mortgage Services , LLC is my mortgage servicer, NOT my lender. I believe I have also sent Carrington Mortgage Services written notice to put me on their internal DO NOT CALL lists.

I also record all my inbound and outbound telephone calls, and I have retained all my conversations with Carrington Mortgage Services , LLC regarding this issue. 

Today I received an unsolicited call from the lender, and the representative identified himself as " XXXX '', and wanted to verify me so that he could give me some important information about my loan. I told him if it's about an offer to refinance I am NOT interested, as I have told them numerous times not to call me with offers to refinance my mortgage. XXXX assured me it was NOT about refinancing the mortgage. He said if I won't give him the information to verify over the phone so that he could talk about it, I could call customer service back if I felt more comfortable calling them. I got hostile with him because I knew he was lying to me. 

I called the company 's number back, and SURE ENOUGH, the rep was giddy with excitement to let me know that they had some products they thought I would be interested in. I was angry that the company was AGAIN, wasting my time with offers I told them I was NOT interested in. I told them that I am tired of them ignoring my requests and I intend to file a complaint with the CFPB as well as the XXXX XXXX XXXX XXXX XXXX XXXX here in Texas where my property is located. I also told them they shouldn't be calling me anyway, as they are my loan servicer, NOT my mortage lender. I asked to be transferred to a supervisor, but was told that one is not available. I was then left on hold for an interminable amount of time, and then directed to a voice mail. That is when I came here to file this complaint because I am FED UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Beginning in XX/XX/2020, XXXX loan servicing stopped sending me all monthly statements, updates, and end of year tax forms. I was unable to access my account online due to their shoddy website which was riddled with problems. I called two times, both of which required an hour on the phone going through multiple automated menus before I held to speak to a representative. Once I spoke with one they said the mail was being returned to them. I had not had any returned mail issues with any other mortgage lenders or current billing vendors. Due to not receiving mail I was unaware of an increase in charges to my monthly statement, so although I was paying the same monthly amount as always, XXXX XXXX put my account in delinquent and damaged my credit. I only knew about the outstanding amount because of my credit reporting company alert. Once I was alerted I immediately called XXXX XXXX, paid the difference, and requested mail to be sent to me. Still, two months later I still had not recieved a statement. Yet, they continued to charge me late fee for the months of which my payment was not adjusted to the new payment, a payment which I had no idea what amount it was as I had never been notified. This is the absolute worst mortgage company I have worked with in 20 years.

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 2021-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text message asking me to approve a transaction at a XXXX on my Bank of America credit card. I wasn't at a XXXX and hadn't made a purchase so I denied it. I was told to look at my account and check if I saw any other strange charges. When I checked my account there had been two charges on my card I didn't recognize in XXXX, NY at an eyewear store totalling in {$4000.00}. I called the bank to file a fraud claim and was told they would look into it, meanwhile they would issue me a credit. I had recently added an authorized user to my account and I was waiting for this card to arrive in the mail, but it never did. I informed the customer service representative that was my feeling of how my card was probably used. She apologized and issued new cards for me and the authorized user. On XX/XX/XXXX I looked at my credit card balance online and noticed that the card once again had the added balance. I called immediately and spoke to a representative named XXXX. He asked if I had received a letter about my claim. I said I hadn't. He said he'd looked into it and it seemed like there had been a mistake on their part and that my claim was denied in error. That he would credit the balance back to my card. On XXXX the balance was still on my card, I called again. The customer service representative informed me that my claim had been denied and that I hadn't been granted to have my balance restored. The investigation was reopened and I was responsible for the balance until any further decision. I asked the representative for documentation of my claim and all the notes that had been taken as well as the documentation of the process of the investigation, and the recording with XXXX where he said my claim had been erroneously denied. She denied being able to provide me with that information but that she would put in a request, but couldn't guarantee I would receive it. She said I should have filed a police report, something none of the previous agents I had spoken with suggested. I've never been to XXXX, NY and I never received the card for the authorized user I requested, only the reissued card the first customer service agent in the fraud dept I spoke with sent. I asked if any security footage at the store the fraudulent charge had taken place at was pulled or if the original card I was issued and never received had been traced. I wasn't given an answer.

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Today I've received a notice saying that a debt is owed to XXXX. I've only had XXXX XXXX XXXX and XXXX. I only have XXXX currently and my bill is up to date. So where is this coming from when XXXX was never on my credit report? 

If they are claiming I owe {$1400.00} I need the following items MAILED to me immediately : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

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 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, venmo canceled three of the money transfer to my bank, {$700.00}, {$800.00}, {$1300.00}, which is {$2800.00} in total, and have it returned to my venmo wallet balance. Then I received multiple emails saying that the {$2800.00} in my venmo balance was returned to the senders for no reason. And they frozen my account. I lost a total of {$2800.00}. They offer no reason for reversing the money that was sent to me. When the sender contact them for a reason the payment was returned they said the receiver account is not active. If my account is not active how did I receive the money, how did I make a transfer to my bank. This is ridiculous. They just take away {$2800.00} from me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
To begin, I have been a customer since XXXX, never any issues! However, an email was sent to me on XX/XX/XXXX regarding my blue bird american express debit card account. 

Below you will find the email notification which states : Hi, During our recent review of your Bluebird Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. Box XXXX XXXX, GA XXXX Thanks, The Bluebird Team I attempted to call the company but was unable to reach them by phone. All the money I have to pay bills are in this account in which I can no longer login and manage. My bills are due and they have suspended my account. I just read that I am not the only person who are experiencing this issue with them. I need my funds from this account ASAP. Please help in any way you can to recover my funds! 

Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citi locked my checking accnt on XXXX and i have NO access to even check transactions or balance ... have spent HOURS and HOURS on the phone and they lie and refuse to help or even tell me what they are doing

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I enrolled in platinum card upgrade offer on XX/XX/2020 for my Amex gold card. The offer states that if I spend more than {$5000.00} within 3 months ( 92 days ), I will get XXXX points. 

I have fulfilled this spending requirement on time, I've also contacted Amex several times, and the representatives confirmed that I've met the offer requirement before the spending deadline. But I still haven't received the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
I purchased my home in XX/XX/2020 from XXXX and my mortgage company was Eagle Home Mortgage. I had the choice to buy this home or another home at XXXX XXXX. I chose this home because I was told the PID would be included in my mortgage. I recently got my escrow analysis and my mortgage has now been increased by XXXX. Due to Eagle Home Mortgage error, this caused me to be short in my escrow. I spoke with XXXX XXXX # XXXX 2 days ago. I recorded the entire conversation as Texas is a one party recording state. I didnt need his permission to record the call. I was informed that Eagle Mortgage did make an error and omitted the PID being included in my escrow. He stated to me that human error happens and there is nothing that can be done. MY current mortgage company is requiring me to put XXXX in my escrow or my payment is going to increase XXXX. This is not my fault that Eagle Home Mortgage made this mistake and I am having to pay for it. Human errors do happen, but when it does I would hope a financial institution would have enough integrity to correct their mistake. As a customer I feel that I was false and misleading information. I have all of the proof and all of the emails. I have no problem going public with this and showing the proof and the recorded call that I have. As many houses that are in XXXX XXXX and as many loans as Eagle Home Mortgage did for XXXX, I feel the lender knew exactly what they and intentionally did this. Especially since there was no remorse or care what their error has done to me. I am in the process of talking to every single home owner in XXXX XXXX that bought with XXXX and used Eagle Home mortgage to see just how many people this was done to. I will submit all my findings to the CFPB. I am not going to just accept a human error was made and just go away. This can either be made right and fixed or I will spend the rest of my life posting my story to my platform on social media and filing complaints to every single organization that will allow me to. This is very upsetting and can be a very easy fix. I'm sure everyone remembers when the market crashed and how long it took to rebuild everything. This was due to mortgage companies using unfair and deceptive practices to get loans closed. The department of justice has already ordered Eagle Home Mortgage to pay a substantial amount of money for approving people for loans that didn't really qualify. If I have to I will get in contact with the attorney that handled that case to assist me. I do not care if this costs me more money than the XXXX. This is about principle and I feel I was misled by the lender. Someone has to stand up for those that don't have a voice and for those that have went through this. I will be that person.

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 2021-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NM

Complaint narrative:
IQ Data contacted me ( XXXX XXXX XXXX on XX/XX/21 on a phone call to allow me to settle the debt I had with them which showed on my credit report as {$4600.00} ( IQ DATA stated that the principal was {$2600.00} on an email ) during the phone call they gave me the option to settle the debt for {$2300.00} and they stated that it would show as paid ( settled ) on my credit report and that I would not owe them any other amount. I agreed to the settlement and paid {$2300.00} with my debit card. I received an email stating the settlement, which said that I was released from any further liability regarding obligations to the original Creditor and IQ Data International. The e-mail showed that my due total was {$0.00} On XX/XX/21 I received a charge on my bank account from IQ Data for {$1800.00} I Called IQ Data ( they hung up on me several times before taking my call ). When someone finally took my call they ALREADY knew it was me XXXX XXXX XXXX XXXX without me even saying a word meaning they had my number on file. I spoke with XXXX and asked about the charge of {$1800.00}, XXXX said that I approved the amount of {$1800.00} on XX/XX/21 to " REMOVE '' the debt from my credit report instead of settling. I said that was not true and to refund me that amount because I had an e-mail receipt stating that I had settled the amount and I did not owe them any more money. XXXX refused to give me the refund and said I was lying, I asked for proof from IQ Data that I agreed to pay the {$1800.00}. XXXX said he didn't have to show me proof and hung up on me. As of today XXXX am still disputing the charge with my bank and my credit report still shows a balance owed to IQ Data International for {$2300.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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 — Problem with personal statement of dispute
Company: Lending Club Corp
State: IL

Complaint narrative:
The Lending Club Refused To Delete Credit Account Of A Loan.I Was Never Asked To Physically Sign Any Documents When Account Was Opened Online.I Requested Validation Made Pursuant To The FDCPA And The FCRA.I Disputed The Account With The Company And The Credit Reporting Agencies : XX/XX/XXXX XX/XX/XXXX XXXX.Account Always States " Verified '', Without Any Documents Bearing My Signature.I Had To File Lawsuit At XXXX County Circuit Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I opened a conventional mortgage in XXXX on my condo which was appraised at {$84000.00}, and the initial mortgage balance was {$69000.00}. Carrington Mortgage Services LLC is my mortgage servicer. I had to pay PMI of {$10.00}. 

Since then, I have paid down a significant portion of my mortgage, and the value of the property has also risen during this time. I have also maintained current on my mortgage payments and I have not been late. I have asked the mortgage servicer why they will not remove PMI from my property, and they told me that it will be a part of my mortgage for " at least five years ''. 

I do have a second lien on my property for 5 years from the City of XXXX for a downpayment assistance program. I qualified for {$15000.00} in downpayment assistance, and with the passing of each calendar year, the lien is reduced by {$3000.00}. Next summer, in XXXX, the second lien is no longer valid. 

However, I thought that PMI would automatically fall off once the % reaches a certain threshhold, and I am sure that I am at or below that threshhold. I am attaching a current mortgage statement as well as a copy of the original appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : ( Original Creditor : ) XXXXXX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Global Lending Services LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, i called Global lending to make my normal monthly payment when a representative advised me that my account was CLOSED and my car principal was paid off and my title would come through the mail soon. ( I worked over seas at the time, so i was unable to retrieve any mail ). She did advise me of fees that were at the end of my loan that i would need to take care of ( late fees etc ). I asked her could i possibly make smaller payments towards those ( fees ) at a later time possibly XXXX $ per month and she said sure. At this time, Im am under the impression that my car principle balance is paid off, the title is in the mail and this car after 5 years is mine. I was aware of ( fees ) that i owe to this company for late payments and etc. but she told me the car principal balance was paid. On XX/XX/XXXX, my car was repossessed by this same company. I never received 1 call from them or letter but they picked my car up from my address. I was never made aware that my car was in any default status. I kept the same number for a year and it was discovered that during the course of that time i was not called. Im not sure if the representative intentionally gave me False or misleading information, however her negligence has cost me my vehicle and my financial reputation. I have been in contact with the company since the repossession and i have filed a complaint in this representative for her misrepresentation of my account. As a consumer, i feel as though my account was mishandled, i would have made a more educated decision if i was aware of the potential consequences of my account. In the year that this business took not reaching out and making me aware of my debt it caused detrimental damage. I pull my credit report regularly and this account stated closed as well as a zero balance online. This company should be held accountable for misleading consumers or not making sure their customers understand closing details and charge off statements.

Company response to consumer: Closed with explanation