vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IA

Complaint narrative:
AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to   XXXX   I have contacted  XXXX  who advised me that they do not have any record of any past due unpaid debt with  XXXX . They were able to access my records and they advised that my  XXXX  service was part of a service they provided to me as a package bundled with  XXXX  internet service and as such my contract was with  XXXX  and all billing was done through  XXXX .   I have contacted  XXXX  who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the  XXXX / XXXX  bundle was provided that had been passed to another collection agency and that was paid in full in  2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar added my sister to the mortgage. When I first brought the house to help out my mom the mortgage was in my name and sister  XXXX   XXXX . Less than a year later  XXXX  's name was taken off. My mom 's credit still was n't too good due to divorce, however the bi weekly program, plus deed and taxes was put with my mom 's name  XXXX   XXXX  and  XXXX  's was taken off. When Nationstar brought the loan 3 years ago my name was only on the loan, however about 9 months ago Nationstar decided to put  XXXX  's name back on the loan. My mom pays the mortgage, which Nationstar has her bank account on file to take out every month. I have tried to refinance either by myself or with  XXXX   XXXX . But because of Nationstar adding  XXXX  's name for no apparent reason we can not do so.  XXXX  is also very upset because no mortgage company has been on her credit report for over 5 years, now all of a sudden Nationstar is showing up on  XXXX  credit report. I have sent Nationstar several times all the paperwork without  XXXX  's name on it and with my mom 's name on all documentation and they refuse to remove  XXXX  's name. Now also my mom usually pays my phone, but now they wo n't even allow that. My mom has called in paying since we first tried to refinance and stopped the biweekly. Their customer service people are very unknowledgeable and can not even sp eak English clea rly. Also I have asked them several times and sent them documentation that I would pay my own homeowners insurance, as they are thiefs in my eyes. My homeowners went up {$9.00} a year in  XXXX   Nationstar raised my  rates by over {$12.00} a month because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery i s attempting to collect a debt in my State of Michigan which they are not Licensed or bonded to collect such debts. I just got off the phone with the Attorney General 's office which stated to me to take the complaint to an attorney. I also contacted  XXXX  and they stated that they are not in the system as well. This is new information that I just recently found out. This is my last attempt to have them remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
On  XXXX   XXXX ,   XXXX   a collections hit my credit report  XXXX  and  XXXX  for {$500.00}.   Once I received the notification I contacted the debt collector Midwest Recovery Systems for   XXXX   XXXX   XXXX   XXXX   XXXX  . I call ed MRS and s poke to a representative to get written verification that the debt belongs to me. I wanted something with a signature that I actually received and applied for the loan. They were able to send me this information instead they sent me a letter from them claiming the debt was mine and provided who they purchased the debt from which they could not give me any contact phone number, the date it was supposedly deposited in my account, the date the loan was taken out.   .With that information I did more research.I called  XXXX   XXXX   XXXX   XXXX   to p rovide the written verification. I called  XXXX  phone numbers I found on  XXXX  which were known working finally found a cell phone number for  XXXX   XXXX . Asked him to provide the written information and he could n't. He just gave me the same informati on MRS provided.   XXXX  then sent me a text stating to offer MRS {$100.00} to settle the account but that is not the action I want I want this collections removed from my credit report. He then stated do not tell them he told me this but they brought the account for pennies on a dollar and they would settle. I then proceeded to pull my bank statements from  XXXX  -  XXXX  to find where the funds were deposited into my account. I found no proof. I tried to contact  XXXX   XXXX   XXXX   XXXX   XXXX  and they no longer exist this company was out of  XXXX . All I am asking is for them to provide written proof and if they ca n't remove the collections from my credit report. I am uncomfortable sending banks statements to provide the proof that I never received the funds. If I need to do so please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Thank you for your complaint  XXXX  about EQUIFAX, INC..   We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.  [    XXXX   XXXX   XXXX   XXXX  !!!! im the victim and equifax is the fraudster!! ] thank you for your admission of GUILT, Equifax can not respond with clarity, they are THE PRIMARY REASON FOR BLOCKING MY ACCOUNT WITH  XXXX !!! AS THE EVIDENCE CLEARLY SHOWS, AND THE NEXT COMPLAINT WILL BE AGAINST THE CFPB FOR ALLOWING THEIR  XXXX   XXXX  RESPONSE NUMEROUS TIMES!!!!!!!!! THIS IS UTTER  XXXX  THE WAY MY COMPLAINTS GET CLOSED WITHOUT A VALID RESPONSE WHE N IM SH OWING TANGIBLE EVIDENCE OF THEIR CRIMES!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
In  XXXX  o f 2017, I appl ied to get my home refinanced. My house was appraised for {$130000.00} but my de bt - income ratio was too high. I paid off a sifnicant portion my debt and reapplied to refinance my house with BB & T,   XXXX   XXXX   in S C  : BB & T is  my current mortagge holder. I was told my debt income is ok but I needed to do another appraisal. They appraised my house in  XXXX     2017 and  I am told it was appraised for {$120000.00}. They denied the loan based on new appraisal. They are refusing to send me a copy of appraisal even after several requests.

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 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DEBT CREDIT SERVICES
State: OH

Complaint narrative:
Debt was paid in the amount of {$490.00} to Debt Credit Services for   XXXX   XXXX   XXXX   utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried contacting them numerous time and told them this account does not belong to me, all they do is give me an address to mail a dispute letter and never get a response. this is negatively effecting my account, as i am trying buy a house and this is only negative account on my 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 non-monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello ; how are you?     My credit report states that my oldest credit line is 15 years, but, in actuality, it is more like 27 years.     Please advise. I look forward to hearing from you soon.     Thanks so much ;  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
Good afternoon, I applied for a loan from big picture loans as I was in need to pay bills and a student loan. I was approved for {$400.00} and the {$400.00} was deposited into my account on  XX/XX/2016   .     I believed I had fully understood/accepted the terms until I was able to see The Truth in Lending disclosure, which was not visible/available until after I accepted this loan. It showed an APR of 887.4203 % and that the total repayment amount for my { {$400.00} } loan would be { {$1800.00} } I had not been informed of the 887 % interest rate on the loan, and I was told there would be a { {$140.00} } finance charge, not { {$1800.00} } in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.     There was a finance charge of {$140.00}, the {$140.00} ( amount slightly decreases until end date ) would be taken out each payday until the loan was satisfied at a 887.4203 % interest rate, or the loan could be paid in full at once for a total of {$540.00} ( {$400.00} loan amount + {$140.00} finance charge ) I have since paid more than what I rightfully owe, now totalling in the amount of {$1000.00} funds were take out on these days :  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  =  XXXX  I am looking to have my obligation fulfilled since I have paid the initial loan amount back ( {$400.00} ) and the finance charge ( {$140.00} ) = {$540.00} I am financially no longer able to sustain paying this loan as it is too much.     If possible I would like a refund of overpaym ent ( {$480.00} ) but  would gladly take just a clean break/account considered paid at this point if a refund can not be granted.      Big Picture Lo ans will not work with me on either request, all they have done is postponed withdrawals of the finance amount from a account, which they will now no longer do as well.     If you can assist with having my account closed w ith Big Picture L oans I will greatly appreciate it.     Thank you for your time.       Big Picture Loans ( or known as Red Rock Tribal Lending,  LLC d/b/a CastlePayday.com ) co ntact info is :  XXXX .  XXXX   XXXX ,  XXXX , MI  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I recently ran my credit report through  XXXX  and found multiple accounts being opened since    2015. Th e details to each account is highlighted on the attached file.     Please advise,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I have o n 2 sep arate occasions tried to resolve a collection account being reported by this company. I do not know where this account originated from. After recently obtaining my credit report I noticed this account. I am unaware of any terms or conditions regarding this account. I have requested that this company provide me with a contract or any documentation bearing my signature that will show what I agreed to and if so when. Both of my attempts have been ignored. I called that did n't go well I sent a certified letter before waited the 30 days still no response called again and told me it takes time. After the allotted time went past again I sent another request to date I still have not received a response and the 15 day time frame has passed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to  XXXX  in  XXXX    XXXX  . I spoke with the account  specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.

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 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am incredibly frustrated with Nationstar Mortgage. Nationstar purchased our loan from  XXXX   XXXX  and there has been nothing but issues ever since. I did not have an escrow account for property taxes, however, they paid our property taxes, in error, and now they are adding this error to our monthly mortgage payment. I have spent countless hours on the phone with them trying to get this resolved, and no one seems to be able to help me. I have tried to clear our escrow account but was told to wait until I was contacted, which I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried disputing with  XXXX   & had troub le verifying due to fraudulent info & I also called Transunion & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that sinc e 2011 so meone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.

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 2017-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently relocated to Georgia and I 'm living in an   XXXX   XXXX    XXXX . I receive my mail there and packages. I updated my account online with Simple bank on  XXXX   XXXX ,   XXXX  an d after a day or two they told me because it 's technically a business address I could n't use it and they would have to close my account. I called and talked to a representative and explained that I just moved and that I am living there and I receive my mail there. They told me because of the  Patriot Act tha t I had to have a verifiable residential address. I 've updated my address with  XXXX  other banking institutions and have had no issue with using the same address. Today  XXXX   XXXX ,  XXXX , they told me that I have 30 days move money before my account is closed. I 'm not a new account holder and have had the account actively since  XXXX   XXXX . I 'm a United States Citizen with a verifiable social security number ; which they verified at the opening of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  two  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I see a hard credit inquiry made by  XXXX  on  XXXX   XXXX ,  2017, on  my Equifax credit report. I did not authorize this inquiry and the credit check was performed without my consent. I have filed a dispute with  XXXX  to remove the inquiry and they have responded in a mail to me on  XXXX   XXXX  saying that they have requested the credit bureau to remove the inquiry. But I am still seeing the credit inquiry on my Equifax credit report.   As a matter of fact, I do not even have an account with  XXXX .     I have tried contacting Equifax over the phone, but they are saying that  XXXX  did not send the removal record.

Company response to consumer: Closed with explanation