vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA -they are required to " ... Promptly delete all information which can not be verified. '' that i have disputed. 
Please resolve this manner as soon as possible. 
Thank you.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian lowered my credit score by XXXX points on XX/XX/2017. 
I have called them twice to get assistance and the cause of the action. 
Experian refuses to give me facts on why the scored dropped by XXXX points. XXXX @ Experian told be today it was because my credit card balance went from {$200.00} to {$480.00}, the card has a max available credit of {$12000.00}. When I contested his statement he refused to tell me the facts of why my score was lowered by Experian. 

Credit reporting companies are not allowed to arbitrarily change scores. They must provide the facts to the consumers of why they have lowered the scores. They must tell the consumers specifics on the credit report that cause the change in score, not speak in theoretical terms!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Reference Complaint Case XXXX. 
I now open a new complaint. 
The basis for the above case was false information, to wit, that I am deceased. This false information was sent by Experian via an intermediate to the XXXX XXXX XXXX XXXX which resulted in denial of a mortgage loan to me. 
The information furnished in the complaint included an Experian attachment which emphatically stated, by Experian, that I was deceased. 
The case was closed based upon information furnished from Consumer Financial Protection Bureau the false information " no longer appears '' on my credit report. This does not satisfy my request for identification of the source of the false information which Experian noted on my credit report. 
An important part of my complaint was for Experian to furnish me the identity of the source of the false information included in the report. To date Experian has not replied to my letter, part of which asked for the identification of the source of false information. 
Experian signed for my letter on XXXX XXXX 2016. It is now XXXX days, as of this date and no response from Experian has been received. The case referenced above includes pertinent documents relative to this complaint.

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 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX I deposited an insurance claim check ( signed by my mortgage company and myself ) into a BBVA Compass ATM at XXXX XXXX XXXX XXXX XXXX CO XXXX. I then received a letter on XXXX stating that " multiple payees-payee not an account owner ''. On Monday XXXX I called the customer service line and they were able to pull up an image of the check and stated that there was no reason why this check could not be deposited. I had the check image faxed to the BBVA branch at XXXX XXXX XXXX XXXX and then went into the branch to speak to a supervisor. When I got to the bank I asked for a supervisor, XXXX XXXX who was completely incompitant stated she was a supervisor and would try and answer my questions. Come to find out she is only a Sales Advisor and completely misrepresented herself. After showing her all of my documentation and explaining the issue she stated that the checks in the ATM are not picked up until Thursdays and that there is nothing they would do. She refused to obtain the check prior to Thursday and would not explain why. She verified that they have an image of the check both front and back and that she could see XXXX signatures, However they needed the physical check which was in the ATM. I stated that there was no sign of any kind on the ATM telling customers that if you are depositing an insurance check or check with multiple payees that it should be taken inside. She has no response. When I asked her why I am able to make deposits with my phone and they deposit those checks with images only yet they can not do that now even thought they have the physical check in their custody she stated they just could n't. It is completely unreasonable to tell a customer that they can not make certain deposits at the ATM after the fact when there is no sign, and no notification what so ever. After returning home I called the customer service line again. I was again informed that there was no reason for the bank to not deposit the check and that it was " already in route back to me '' I asked how this was possible after I was told by XXXX that they could not access the check until Thursday. The customer service rep stated she did not know. It is obvious that XXXX XXXX is unethical and a lier. She misrepresented herself and lied about the whereabouts of the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I want to file a " Bait and Switch '' Complaint on Lending Point. 
The WEB SITE states : Can I Apply For a Lending Point Loan? 
Easy Questions To Help You Decide Am I at least 21 years of age? 
Can I provide a government issued photo ID? 
DO I have a social security number? 
Do I have a minimum annual income of {$25000.00} ( from employment, retirement or some other source )? 
Do I have a verifiable personal bank account in my name? 
Am I interested in a personal loan of {$3500.00} up to {$20000.00}? 

If you answered YES to these questions, let us see if we can help you rewrite your credit story. 
The Company refused me a loan based on low balance in Checking Account! Th Company MADE 15 requests for data and even told me I was PRE-APPROVED For {$17000.00}! 
The advertisement does not match their process, plus they requested bank account statements and recent history and and I believe those are privacy issues related to my purchase history and not germaine to application. I request enforcement action! Process Review, FINES, and ENFORCEMENT. Why dont they have to have an address posted? Their Telephone number is : 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
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I went online to my bank account with BBVA Compass Bank, XXXX XXXX, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in XXXX XXXX, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, XXXX XXXX, 2016, XXXX of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Business Factors
State: CA

Complaint narrative:
I have a hospital bill in collections but I never received the bill I 'm trying to build up my credit what can I do to get it out of collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
My mortgage payment went up {$44.00} a month, called carrington mortgage. They explained that by law they have to have a cushion in my escrow account.. My mortgage was sold to them from XXXX XXXX XXXX, which on some months I was able to pay extra on my mortgage principal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX from Ncc called stated that they will take legal actions against me, on a 3 party voice mail, leaving phone # XXXX account # 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
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a BBVA NBA XXXX XXXX card application on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. BBVA requested and received my XXXX Credit file on each date listed. I received XXXX ( XXXX ) letters regarding each application stating that each application was declined due to " unable to verify identifying information ''. I have contacted BBVA repeatedly in an attempt to understand what information the company was unable to verify. Each BBVA representative basically stated the same thing that identity verification failed and wait a few months to reapply again. Unfortunately, no one within BBVA has the ability to inform consumers of what identity failures have occurred. It was recommended to contact XXXX directly to verify my information. I contacted XXXX and verified that all my identifying information listed on my BBVA application matched the information in my XXXX credit file. XXXX actually recommended that I contact BBVA to discuss any identity verification directly with them as my information with XXXX is correct. The information on my BBVA applications were in compliance with with Section 326 of the USA Patriot Act which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX XXXX XXXX has reported monies owed to them. We moved early in the month due to an apartment available through Housing Authority of XXXX XXXX XXXX who in fact sent an agent to inspect prior to our acceptance and he said and I quote i dont need to see anymore im familiar with these apartments XXXX and had to accept or lose our place on wait list. XXXX Properties kept our {$500.00} deposit and made no attempt to contact me. I just seen this on my credit report through Credit Karma. Not only does that cover the month but that company made no attempt to repair anything that was needed since we moved in a little over a year. This included faulty oulets which sparked every time they were used in fact two outlets had the top plug working properly in the entire two bedroom apartment, a broken window due to a gun shot that happened prior to moving in ; never fixed, mold and deteriorating wall due to water leak through patio door, cockroach infestation, etc. I feel in no way did we leave them " HANGING '' so to speak. The {$500.00} deposit they kept should have sufficed that slumlord and we left it clean!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Carrington Morgage Service purchased the loan servicing of my mortgage from XXXX XXXX XXXX without notifying me of the change. I had paid the mortgage each month for years with a ACH withdrawal directly from my checking acct. When they presented the first withdrawal request to my bank in XX/XX/XXXX the bank processed the request and deducted the funds from my account. Three days later the funds were returned because CMS rejected the transfer. Neither the bank or CMS contacted me that there was a problem. In XX/XX/XXXX CMS presented another withdrawal which my bank honored. CMS accepted the funds this time and credited them to my XX/XX/XXXX payment thus showing my account 30 days delinquent. This process was repeared again in XX/XX/XXXX. At this point CMS had still not notified that there was a problem. Then in XX/XX/XXXX they did not submit a withdrawal request to my bank. I discovered the problem when I received my XX/XX/XXXX bank statement and an email from XXXX CMS had reported my mortgage 60 days delinquent. I contacted CMS and was told my bank had not processed their ACH request and that I was over {$4000.00} behind in my mortgage payments. I immediately sent them a check for the entire amount and followed a few days later with another check for approximately {$1700.00}. 
I then pulled my bank statements and found where my bank had in fact honored their ACH request. I have forwarded copies of those statements to CMS but they have ignored the information and continue to report I am delinquent in my payments to them. They refuse to provide me with any contact information other than a PO Box number. I have now sent them XXXX different letters explaining the situation along with copies of my bank statements clearly showing where they returned a ACH draw to my bank. They have ignored everything I have provided them and not only continue to report to the credit rating agencies I am 60 days delinquent but also to charge me late fees and refuse to accept future ACH payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
We purchased our home with an appraised value of {$310000.00} and took a mortgage of approx. {$250000.00}. ( current balance of $ XXXX ). We have been trying for almost a year to get Loancare to remove the PMI being charged each month, based on the fact that we have greater than 20 % equity in the home and they refuse to do so. When I log into my account details at their website they show a $ XXXX value and a $ XXXX balance which clearly shows our equity yet we keep getting the run-around without results. Our homes value is currently $ XXXX and we want the PMI removed!

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 2015-06-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Vengroff Williams, Inc
State: UT

Complaint narrative:
XXXX XXXX called me on XXXX/XXXX/2015 collecting for XXXX XXXX I explained to them the the account with XXXX XXXX was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to XXXX XXXX. I received the letter from the company on XX/XX/2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XX/XX/2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that XXXX XXXX gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and XXXX XXXX account is null and void due to statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just received my BBVA Compass XXXX card on XXXX/XXXX/2016 after activating and attempting to use my card at XXXX it was declined. I have no idea what to think about my business interactions with BBVA Compass bank. I have had nothing but issues and frankly this is VERY upsetting. Why is BBVA bank treating me in this fashion? I have done nothing wrong. I called customer service and they informed me the account was opened on XXXX/XXXX/2016 and closed on XXXX/XXXX/2016. WHY ARE YOU DOING THIS? I have done nothing wrong to BBVA Compass to receive this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: OCEANSIDE MORTGAGE COMPANY
State: FL

Complaint narrative:
Received an unsolicited marketing letter from Oceanside Mortgage Company to help me refinance my mortgage. While I am normally am fine with marketing materials, this was a deceptive letter. It came in an unmarked, windowed, envelope, with the words " final notice - Immediate action required '' with a file number. This is an obvious attempt to make it look like it is from a collection agency and a deceptive practice to try and obtain business. 

As a smart consumer, I am well aware that this is a heavy handed marketing ploy. However, some consumers may not be as observant or aware that this is a deceptive letter. I believe this is targeted at these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation