vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I bought my house with an FHA mortgage loan that is held by Carrington Mortgage. I lost my job as a XXXX after 5 years and was waiting to be approved for unemployment and we submitted a payment for that month -- -but it was not a full payment. We did this for a few months and Carrington accepted this. Then suddenly they told us they would no longer accept partial payments. We asked if we could be considered for a modification or a restructuring of the loan or even a repayment plan. We were told no, they would not work with us, they would not assign a dedicated contact and they began the foreclosure process. We were told the only option was to reinstate the full past due balance in one lump sum and we could not do that at the time. 

I believe Carrington is in violation of state and federal guidelines relating to the servicing and handling of this loan. I was told by a counselor that they are required to review and consider myself and my husband 's financial situation for all programs available to struggling FHA loan borrowers. They have not done so, and have denied us access to programs such as modification, partial claim, forbearance or repayment plan. Despite my request for consideration for these programs or some type of review Carrington has refused to work with me. 

Due to my unexpected loss of a job we struggled to make our mortgage payment but still continued to pay what we could each month while going through this hardship. My husband is working and we have the means to afford a fair and reasonable payment. But right now we are being told there are no possible options available, and I just do n't think that is right. We need some help to break through the brick wall that Carrington has put up against our family. We want to get this loan back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My father deceased on XXXX XXXX, XXXX. I was appointed Personal Representative/Executor of his estate on or about XXXX XXXX, XXXX. A review of his assets that a woman who maintain that she had been a care giver to my father was found on his PNC Checking Account. Further review and discovery revealed that the joint account had been created through repeated forgery of his signature. 

XXXX XXXX XXXX issued a refund check to his estate on XXXX XXXX, XXXX. The woman then took the check from his mailbox unit. Signed the check, once again forging his name to deposit and cash the check in another PNC Account. PNC Bank was altered to the matter, and sent proof of the forgery [ See Attached XXXX XXXX check in the amount of {$490.00} dated XXXX XXXX, XXXX ]. However, they are refusing to take any action as other evidencing documents obtained show that a PNC Bank Manager may have assisted the woman in creating the fraudulent the account. Therefore, an investigation is being requested in this matter. With a forensic handwriting analysis report obtain, available for investigation review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX purchased a previous identity theft fraud account from XXXX. Over 2 years ago, I filed an Identity Theft Affidavit with the FTC to have this debt removed along with a police report from XXXX, Ga Police Department. They have refused to remove this debt and basically ignored FTC documents that were submitted. Since then, I have filed another Identity Theft Affidavit with the FTC and notified all XXXX CRAs. My Identity Theft Affidavit number is XXXX. I sent them copies of my identification and identity theft affidavit. 
*Additionally, I do not want a copy of my stolen driver 's license and stolen checks that the thieves apparently used when they opened this account. That means absolutely nothing as it relates to debt validation in regard to identity theft. That is essentially why it is called identity theft because someone has stolen your identity and acting as you. XXXX seems to believe a copy of your drivers license or checks where the thieves made actual payments means the debt is yours and you are not a victim. That is not ethical business practice and it needs to stop immediately. 
I am requesting that the XXXX XXXX tradeline be deleted from XXXX, XXXX, and XXXX within 7 days or I am proceeding with legal action against XXXX, XXXX, and all others involved in this fraudulent business practice. 

Sincerely, XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX/XXXX. Account number XXXX. This account has been deleted from XXXX and XXXX. Experian is the ONLY credit bureau that is still listing this account.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Although XXXX states the debt is not mine, collection agencies are showing up on my credit report. This has been disputed and resolved with removal from credit reports, two years ago. Now it 's a different collection agency, disputes were filed again, XXXX has dropped it, but Experian claims it was investigated and the debt belongs to me. Experience DID NOT do any investigation!

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 2017-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
While I was in XXXX my was friend took my card and ran my credit limit to the max. I was on XXXX from XX/XX/XXXX to XX/XX/XXXX. You will see charges on that credit card during that period while I was in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hi, I have received recently a copy of my credit report and saw a card on it that does not belong to me. I have never have an account with Capital One, and have never make any payment on it, not in the past and not at present. 
It state the card was open on XX/XX/2001 and have a Credit Limit of {$11000.00} I saw my report before and did n't see the card before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TIDEWATER FINANCE COMPANY, INC.
State: PA

Complaint narrative:
There is a new account opened that states it 's been open since XX/XX/XXXX. I was born in XX/XX/XXXX so I would like them to fix this error before I make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
We have not been properly notified about changes to our account. When questioning the changes and trying to get clarity on them, we were instructed to write a letter of dispute. Which we did in XXXX of 2016. We have never received an answer, we call every week. The proper changes to our mortgage have never been updated and we continue to get passed around. They have actually told us not to make a payment because they do n't know what the recalculation payment amount is. Ditech is a fundamentally flawed and fraudulent company and we need outside help as we have exhausted all options with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wallet got stolen with all my personal information which included my bank card pin and soical security card my bank account got hit with fraud. When I notice I contacted Bank of America they put a claim in and said I have to wait 10 business days so I waited on XXXX/XXXX/2017 I received a phone call from a Bank of America XXXX who stated she was taking the funds from my account for the claims that was put in against me. I told her she can not do this she said yes they can I went to the bank center the same day I missed work that day dealing with this situation they told me I have to wait the full 10 business days on XXXX/XXXX/2017 Bank of America stated they do not see favor in crediting bank my funds the received over {$800.00} from me I 've lost my apartment and had to move back home with my mom my car insurance is now cancelled my car payment is passed due a month. I 've explained that I have no money. Thhe fraud transaction that happen on my account in XXXX/XXXX/2017 was not done by me I 've explained plenty of times that I do n't have my wallet I also have done XXXX police reports and they still do n't see it In my favor to credit my funds back I 'm highly disappointed with this sistuation and would like to received my funds back I have been patient with them this is not fair that I 'm receiving this treatment.

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 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Stated debt was opened on XX/XX/1991. I was XXXX and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have requested that Experian provide physical proof for them reporting my XXXX ACCOUNT as late as noted below. I have contacted them several times and they refuse to provide proof. They simply say they contacted the account holder and they verified the account. Funny thing is that I reached out to XXXX and they could not show where I had been late at anytime. That the loans have been in deferment status. So Experian is up to their old habits of falsely reporting information that can not be documented or verified under section 609 of the FCRA. I am asking that they either send me physical proof that I was late, or update the account as paid as agreed and take it out of a negative status. I am asking that their statement be removed or updated to show that I do not disagree but the statement needs to say this " Customer asked for verification, we can not provide the verification that is requested so we will list this as negative anyway to simply hurt the client '' I think that statement is fair and accurate. 
Account History : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Your Statement : Completed investigation of FCRA dispute - consumer disagrees.

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 2017-02-10 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: DC

Complaint narrative:
I have a multitude of problems with my current prepaid provider, Netspend. 

I have not been able to access my funds in 2 days. It started in my attempt to open a new checking account with XXXX XXXX XXXX who explained do to a low score I could not open a checking account with them. I have an old savings account that I can access and use that so I went in to my current Netspend account and I noticed a different email instead of mine. I attempted to call. I could not be helped since their recovery department was closed. I was told to call back the next day. 

Yesterday I received an unauthorized {$50.00} debit hold on my card. I attempted to log in to my account to see what is going on and my account was locked. I could not access any of my information. I called and again because their recovery department was closed I could not be helped. I was told I have to wait until the morning. I asked to speak to the manager and was put on hold for 20 minutes. 

I again attempted to sign in today with another locked account notification. I have not been reached out to by email/text or phone call to be assisted with this issue. 

I have noticed last year around XXXX and XXXX I was receiving texts of amounts that did not add up because this is my main banking tool I use it for tips and other things. I thought this could be the case in the missing money. As I started to monitor more closely this has not been as much of an issue. I assumed maybe this is hidden fees or whatever the case maybe and have vowed to get out of this ridiculous banking system. 

I have dealt with issues with them in the past from no access to my funds for XXXX10 business days after my card being stolen to ridiculous fees to transfer money during this time I had to wait. after I had to buy another card. 

When I bought this card now I can not transfer to this card because they said it is not possible due to their system. it is XXXX to transfer EVERYTIME! 

At this point this establishment has cost me hundreds of dollars. I would like to have an itemized transcript of my account so that I can rectify any issues and be sure that I am not yet again being taken advantage of as a customer and my money back. 

I was also told that it will take XXXX8 weeks to receive my money in the mail if I close my account with them. for this reason I have held on but I can no longer continue to be abused by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX my mortgage with Carrington mortgage was paid in full, address of XXXX XXXX tx XXXX. I have requested a breakdown of my escrow account and my last payment on three occasions due to a dispute concerning the final escrow distribution. Carrington mortgage refuses to explain how they reached the amount of the escrow distribution, continuing to say the loan is closed and they do n't have access to the data. In Carrington 's view the amount they sent is final and not to be questioned. When the escrow company requested a payoff an additional payment was made by myself afterword. The escrow company sent the original payoff which did not take into account the additonal payment which I have yet to receive back from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grandeagle Financial, LLC
State: NH

Complaint narrative:
I received a " final notice '' from a collection company on a credit card that was paid in full in XX/XX/2007. When I called to advise them to send me supporting documents, I was met with threats of lawsuits, wage garnishment and liens. I do not owe the money. My credit report confirms this is a paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar has mishandled our escrow account for the last year. a year ago We opened a new insurance policy to save {$1000.00} a year replacing the XXXX separate policy ( home owners & windstorm ) after we cancelled the old policy 's the mortgage holder continued to pay the canceled policy & double pay the new policy & noticed us we had a short fall in our escrow account & wanted to raise our monthly payment an additional {$400.00} We have called constantly to resolve I have requested a 2 year accounting review of our escrow but no response. Today I received a check from my new insurance company they were double paid again.I dont know how much of our money has been given away. We have been told repeatedly this will be resolved only to see the problem get worse we are put on hold for hours and passed around constantly They will not take our number or ever call us back or write us with proof of a resolution. Last month I made a payment in the amount I think we should owe. We have not received a notice of this months payment due on the first. We are constantly ignored & lied to. CAN I SUE THEM?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received a call from a phone # XXXX stating that I owe {$280.00} and the doctor had been trying to collect this since XX/XX/2015. The caller had my name, birth date, doctors name and address. I called my doctor and they had me call their billing department and they stated that I had a zero balance. The " collection '' agency " Transworld Systems '' also gave me this number to call them tomorrow so I could pay this so called debt ( XXXX ) to prevent my credit from being effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
we received a XXXX from XXXX for XX/XX/XXXX on an account that was settled for less than amount due in XX/XX/XXXX with HSBC/Beneficial. Since it has been over 7 years no one has any documentation ( only required to keep for 7 years ) and they can not sell an account to XXXX that is no longer collectable. I have included the XXXX credit reports that do not show this account at all as my guess is that they removed it when it was settled instead of reporting it as such as well as the response from the CFPB case # XXXX cfpb dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CFM Group LLC
State: NJ

Complaint narrative:
I just checked my credit score online and noticed a collection agency named CFM group was trying to collect a balance of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several concerns with experian. The 1st one is, I asked for verification on several accounts on my report. I received notices saying the accounts were verified. I then asked for method of verification through a BBB complaint on XXXX XXXX. I received a response yesterday saying the case was closed but Experian provided no response. 2nd, I requested my bankruptcy to be removed based on the current Civil Case No. XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, I did not know the source of their information on those bankruptcies and due to this, Experian has also violated the Fair Credit Reporting Act ( FCRA ). I was told the information for the bankruptcy was verified on XXXX separate occassions. I didnt ask for verification in my initial request, I didnt authorize a 3rd party to obtain or furnish any of my personal information therefore the bankruptcy needs to be removed. Also, In my conversation today with Experian Consumer Affairs associate, she denied to provide me with the method of verification which I am entitled to, not for just the bankruptcy request but for the other accounts that I requested verification on. I will upload a copy of the BBB complaint later. 3rd, I have accounts that were reported late by my student loan provided which was later corrected with all XXXX credit bureaus, however, 2 weeks ago Experian reported XXXX of these accounts as being negative and not paying as agreed from XXXX. I have correspondence from the bank where this was corrected in XXXX, Experian claims they dont have this information either.

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear XXXX Staff, I have been in contact with Experian Credit Reporting Agency ever since the first week of XX/XX/2017. I have repeatedly asked them to remove all addresses they have on file that are NOT mine. I have given them my current address and my former address of nearly XXXX years. However, any other addresses that are NOT mine have NOT been deleted. They also have NOT deleted any Credit Inquires that are more than 30 days old. It 's now been over 60 days and they still have NOT deleted these items at my request. I have also asked them to give me their procedures on how they do enter the information in their computer system and they have refused.

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 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have no idea what this debt is regarding

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