vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services denied a loan modification request on XXXX/XXXX/15. We have since submitted an appeal along with supporting documents to substantiate additional income by requesting a review of the file XXXX loan # XXXX XXXX. After many phone calls they finally admitted they were in receipt of the documents as of XXXX/XXXX/15. We were told that the review will take up to 30 days. XXXX/XXXX/15 came and went, no word from Carrington Mortgage Services. Many calls later, we are hearing conflicting statements from their representatives. Promises of phone calls for an explanation for the outcome of their review produced only nothing. I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, MA XXXX, am appealing to the Consumer financial protection bureau to look into this matter. It seems that Carrington Mortgage Services is acting in reckless, deceitfull and unprofessional way XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diverse Funding Associates LLC
State: NC

Complaint narrative:
I have contacted this company, XXXX in XX/XX/XXXX and XX/XX/XXXX and was informed on XX/XX/XXXX that the debt in question was bought by another company, Multi Source International on XX/XX/XXXX. So I sent a request to validate to the Multi Source International on XX/XX/XXXX and XXXX stated in a letter that they also forwarded the request. But to date, the company has not replied to my attempt to validate this debt that they claim belongs to me. But XXXX continues to report this in accurate debt on my credit file.

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 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
I received an inaccurate invoice which contradicts information I was given by a leasing agent at XXXX XXXX. 

On the morning of XXXX XXXX, XXXX, I telephoned XXXX XXXX ' leasing office and spoke with a gentleman regarding their move out procedure. I specifically asked him if XXXX XXXX replaces the carpet in a unit after a tenant moves out. I explained that I had XXXX small stains in the living room and had planned on paying a professional carpet cleaning company to remove the stains, prior to moving out, however I wanted to check first to see whether or not the carpet will be replaced. 

I was advised by their employee, to try my best to clean the stain, but if it was not possible, not to worry about it, as XXXX XXXX often replaces the carpet in a unit prior to a new tenant 's move in. 

On the afternoon of XXXX XXXX, XXXX I received a certified letter from XXXX XXXX with a final invoice for {$750.00}. I contacted the manager immediately to explain the situation, however she dismissed my case without investigating the matter. I had explained that I tried to do everything in good faith -- acknowledged the small carpet stains well in advance, repainted the living room walls, cleaned all rooms, tubs, kitchen appliances, etc. 

Had I been told the carpet was not going to be replaced, I would have proceeded with my pending order and had the stains removed from the carpet company. I was informed by the manager that the carpet is only replaced 5 years and that the stains would not have been able to be fixed. Due to the fact I have had several issues with XXXX XXXX in the past, I made sure to take photographs of my unit on the date I moved out. The XXXX small stains are in the photo. 

I 'm requesting that you please investigate this matter and make appropriate corrections to my account as soon as possible as I should not be penalized for being misinformed about XXXX XXXX ' protocol. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: MD

Complaint narrative:
I have received repetitive telephone calls to my home phone from XXXX. The caller states their name followed by " this line is recorded. '' I immediately interrupt the caller and tell them they do not have my permission to record the phone call, nor will they ever have my permission.. The callers continue talking anyway. I advise the callers they are in violation of XXXX wiretap laws by continuing to talk. The callers still continue to talk. I hang up. 

I have received calls from this number 5 times in the last 10 days. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX. 

I am not the person the caller 's are asking for. I live alone. 

A google search reveals the following for the above listed telephone number.Law offices of Frederick J Hanna and Associates.XXXX, XXXX , XXXX.XXXX.XXXX. I do not know if business information is accurate. Please verify. 

I hearby authorize the Bureau of Consumer Financial Protection to file criminal and or civil charges against both the individual callers as well as the business ( whoever the business is ) for harassment and violation of XXXX wiretap laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
I paid termination fees to cancel my apartment rental agreement on XXXX to XXXX XXXX, I also paid another months rent XXXX/XXXX/14 as my last months rent. I returned my keys to XXXX XXXX on XX/XX/XXXX and was told my last months rent was all that was owed ( aside from any potential damage to the apartment in the 2 months I lived there - there was none ). XXXX XXXX sent me a bill to collect past concessions ( which was included in my {$840.00} check ) and utility bills while the keys were in their possession and I had vacated. NCC sent me the collection notice in XX/XX/XXXX, I filed a dispute on XX/XX/XXXX and provided documentation of the above referenced check to prove it was paid. I contacted NCC on numerous occasions following up and was never provided with any resolution until after the collection hit my credit. I was told the client did not accept my documentation and that the debt was still due. I eventually paid the debt to prevent any further negative impact to my credit. I 've since then contacted NCC to receive a deletion letter since I have the documentation it was already paid, and a representative from NCC confirmed that the resolution of the collection was not rendered until after it impacted my credit - despite my continued efforts to resolve it prior to impact, as I would have paid a debt I do not owe to prevent such a huge impact. I have exhausted all efforts to resolve this issue and prove the debt was paid and have yet to have anyone point out that the check I paid in the amount of {$840.00} is not included in my ledger with the client. I 've attached a copy of the cashed check that included the concession charge backs they have on their ledger, I 've attached the ledger that indicates ( after a second review on the part of the client ) that I did in fact pay my final water bill - check XXXX of {$44.00}, the final trash, electric and service charges are for a period I was not in possession of the keys and they were in the hands of the client. I was told on the day I moved out and turned in my keys ( XX/XX/XXXX ) that the only other payment to be made would be my final months rent ( paid XX/XX/XXXX ) and any damage to the apartment in my 2 month stay. Not only was XXXX XXXX wrong for pursing the collection, NCC failed to resolve this issue before it impacted my credit - despite my continued efforts to resolve it beforehand. I can provide any documentation needed to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. 

I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. 

I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. 

But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. 

You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. 

I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. 

This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
XX/XX/XXXX My card was hacked and several TVs were bought. I reported the incident around XX/XX/XXXX. I had paid a {$1500.00} payment in to my card, and after the charges were reversed there was a credit balance of over {$1000.00}. I submitted a request for refund of balance and it said a check would be mailed. I never received the check. I called and the first person I talked to said that the new card should have been sent but wasnt and she saw where the refund request was made but the check was not sent. I called twice more with basically the same answer. I finally received the new card a few days ago, but no check. 

Here is email conversation : XX/XX/XXXX XXXX XXXX XXXX Dear XXXX : Thank you for contacting First National Bank.Our records indicate that these issues were addressed with a phone representative on XX/XX/XXXX.If you need further assistance, please contact us at XXXX.Sincerely, XXXX XXXX.Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX Hi , I spoke with someone last week about my new credit card that was coming because my other one was hacked. They told me to get ahold of someone if it had not arrived by today. Also, they said my refund check was being mailed out, and I have not recieved it yet either. 

Here is the last one : XXXX From : XXXX XXXX Sent : XX/XX/XXXX XXXX Ref No : XXXX Subject : Three attempts Concerning : XXXX Dear XXXX : Thank you for contacting First Bankcard. 

I see you have spoken with customer service in regards to this issue and this has been explained to you on XX/XX/XXXX. 

If you have more questions you will have to speak with our Fraud Department at XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX I have called three times and sent messages twice trying to get the refund that I had coming to me from FNB credit card. My credit was hacked and my account was shut down and I was to be issued a new card back on XX/XX/XXXX. Every time I called I was told it was going to be taken care of only to call next time and find out it wasnt. The credit to my account has been removed from online, but still no refund check. The refund was for over XXXX dollars. I will have to contact XXXX if it isnt fixed. 

The last phone call I made was on XX/XX/XXXX and was told that The check had not been issued and that it was being reviewed or something by the fraud department. However, they have since removed the credit balance from my account?? 

I just want my refund that the statement showed as a credit. The account # XXXX and I do not have access to that account anymore so I cant download the last statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
us bank mortgage keeps giving me the ran around about my final modification, i just completed my 3 month trail period, and now they will not send me the final modification paper work, I have called everyday and still get the ran around from very person I speak with. I am assigned a relationship manager, but they are never available to speak with me about my mortgage account, and every person I speak with at us bank home mortgage have little knowledge of what they are doing, and can never give good information, they just keep suggesting that I made a mortgage payment of {$910.00} until my final paperwork is sent out and I am not going to keep giving them money and have no final modification amount set for me to pay yet. US BANK HAS HAD MORE THAN 45 DAYS TO GET T HIS INFO OUT TO ME, BUT OF COURSE THEY ARE SAYING THAT IT IS IN THE FINAL STAGES, BUT NOTHING DEFINITLEY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Principal Group, LLC
State: CA

Complaint narrative:
They call my phone number and play games on the line, use offensive language towards me and call me names when I tell them to stop calling me and then they h/up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Due to circumstance beyond my control I have been in default on a mortgage with US Bank since the Fall of 2012. Since this time I have been working earnestly with US Bank to find a solution which would allow me to stay in my home. I can afford a mortgage at a lower rate than I had previously, but all the bank will offer is a much higher rate with a 40 year term ( I will likely be dead at this point ). During this period I have also attempted to sell the home unsuccessfully either as a short sale, or for an amount that would satisfy the outstanding US Bank Debt. The process for resolving mortgage issues is laiden by a XXXX XXXX bureaucracy that is incomprehensible which, rather than providing affordable solutions to struggling home owners, forces them into greater debt for longer periods of time. Qualification for the HAMP program is also a puzzle - I initiated my loan prior to the cutoff date, but now am being denied consideration because I modified the loan after the cutoff date. Any banking official with a reasonable IQ can understand that it is in the bank 's interest to create a mortgage agreement on a 30 year term that I can afford ( I can afford {$2200.00} with taxes and insurance ), rather than force me into foreclosure and lose money on the house after it sits unmaintained and uninhabitated for a long period of time then sold on the auction block - yet I ca n't get a decision maker on the phone to see the logic in this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
I got a secured card through Bank of Oklahoma, who does their credit cards through lan. I 've had it for almost a year and they charged me an annual {$35.00} fee for the first year, I asked to have the card switched over to a card with no annual fee because I always pay my bill in advance and never keep a balance. They would n't give change it without another annual fee so I asked that the account be closed. After I faxed them the letter they requested to close it I received a letter from them stating I would not receive my {$300.00} deposit until the review period which lasted until XXXX XXXX ( over a month after I sent them the letter XXXX. I never have carried a balance with them and always make my payment way in advance. I do not owe them anything on the card and they still refuse to give me my money back until the " review period '' is over. I have called XXXX times in the past week or XXXX trying to get my money back and I have been told multiple dates by different employees as to when my money will be returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am trying to refiance my home loan, I have gone to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and both of them say they can not give me a better rate on my home loan because US Bank is reporting 99 months of payments on my home loan as follows:XX/XX/2015 - open XX/XX/XXXX Mos. reveiwed XXXX, 30 days past due 13 times ( no date ) 60 days past due 2 times ( no date ), 90+ days past due 6 times, payments {$1100.00} for 600 months ( no date ), US Bank said it is not reporting anything past due as far as there records show everything is current. and that they do not report from the day we received the loan XX/XX/XXXX. I need to have this information removed from my report it is the only thing I am told that would take my credit rating down to XXXX and my husbands down to XXXX, one of the reason stated is time since delinquesncy is too recent or unknown. The reporting is on page XXXX of XXXX in the attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. Thanks

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 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
US Bank has taken an overdraft out of our checking account and that has caused an overdraft and left a negative balance of {$80.00} and on XX/XX/XXXX16 our XXXX payment was returned to them unpaid.I went to use the debit card at XXXX this morning and it was rejected and I came home and checked the account online and there was an item presented to the bank and they had taken out the {$120.00} and I spoke to a person at the bank and she said that the overdraft protection was for the debit card and I said no as they did return an electronic withdrawl from the same company and put back the overdraft money and service charge. Now they are still charging us the service charge on our own money. We had stopped the over draft protection in XXXX of 2016 and this was for all transactions. I will attach a copy of my bank statement to this complaint and I need to have some action on this as the bank is telling us that they can change there agreements without telling the consumer. I feel that they need to return the money and not take the service charge as we had stopped the over draft protection in XXXX of 2016. 
XXXX2016 Overdraft Returned Fee Waived {$36.00} {$120.00} XXXX/XXXX/2016 Overdraft Returned Fee {$36.00} {$84.00} XXXX/XXXX/2016 Returned Electronic Withdrawal Wi XXXX XXXX {$120.00} {$120.00} XXXX/XXXX/2016 Monthly Maintenance Fee Waived {$8.00} - {$4.00} XXXX/XXXX/2016 Monthly Maintenance Fee {$8.00} - {$13.00} XXXX/XXXX/2016 Electronic Withdrawal Wi XXXX {$120.00} - {$4.00} XXXX/XXXX/2016 Debit Purchase -XXXX Sincerely XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account online with US Bank XX/XX/2016 with a promotional {$150.00} bonus. Their requirements were {$500.00} direct deposits or billpay. I met the requirement via direct deposit on XX/XX/2016. 

I called the bank numerous times to ask, " when will I get my promotional bonus? '' Their responses were XXXX ) XXXX weeks after first billpay ( XX/XX/2016 ) XXXX ) XXXX days after first billpay ( promotion ) XXXX ) go to in-store ( XX/XX/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 monetary relief