vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Trying to get a loan modification since XX/XX/XXXX after the birth of my son and loss of come from my late husband and myself being on maternity leave. Ive received miss-guided and missed leading information from the mortgage company which continues to delay my process. Ive struggling to get the mortgage to hear me out as I want to make things right. XX/XX/XXXX I was able to prove I can afford the mortgage and pay the mortgage but my non-owner occupied co-borrower ( who is my uncle in law ) refuses to comply so I could move forward with a modification. Prior to my husband passing away I was asked to get a quick claim deed ( XX/XX/XXXX ) only to be told that doesnt support my case, I was approved for a variance ( XX/XX/XXXX ) and I was approved for a modification and I completed my three month trial period ( XX/XX/XXXX ) only to be told in my final process of the modification my co-borrower would not be removed after being promised he would be removed with every phone call and conversation I had with representatives.XX/XX/XXXX I was told the reason my modification was not processed and completed is because I neglected to submit a copy of the variance approved by HUD. Is my understanding the mortgage company is typically supposed to request a copy of the variance. As of XX/XX/XXXX I was told the removal of a co-borrower is a case by case situation but my case does not grant that and I was also told it is to the discretion of the mortgage company to obtain a variance. I was told they are not obligated to obtain one especially because they dont feel my case was a necessary situation where they would have to remove my co-borrower. 
I asked why was I approved, why did they make me go through the trial period And pay money knowing my co-borrower was noncompliant from the very start of me requesting a modification ( in XX/XX/XXXX ) only to be told the company felt bad for me for two years and unfortunately that led to me being misinformed and miss guided throughout this process. I have made countless calls and requests to get answers and understand why am I receiving this type of treatment only to be told I could not speak with a manager or a supervisor and they could not provide me with appropriate information to file a complaint. To date I struggle with finding out how to reach out to corporate because I was told that is not something they have to share with me. I need help as Ive struggled to get help or accurate information well trying to file for a mortgage modification. My husband passed away XX/XX/XXXX and it has been my desire as well as my families to keep our home. Im determined to make things right and to pay but Im finding difficulty working with my mortgage company.

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 2020-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Why does a " charge off '' still show up on an account that was paid in full? The fact that I always paid this creditor, before using a debt solutions company, that was offered, through my main banking institution, as a free counseling service for customers who wanted to improve on their credit. I used the services of the debt solutions partner to clean up my credit, to pay my creditors timely, and to eventually raise my credit score. The fact that I paid the creditor in its entirety, and still have a negative " charge off '' is counter-intuitive! Also, what's the purpose of having companies that offer help with cleaning your credit, if it's still going to show a negative impact on your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
1ST NOTICE PHEAA continues to provide OUTDATED and UNTRUE information to the Credit Bureaus with extreme confidence. As of XX/XX/2020, my credit report says the account is CURRENTLY PAST DUE. This WAS true up until XX/XX/2020. A payment was made on XX/XX/2020 in the amount of {$360.00} to bring the account current. 

I have all the documentation to substantiate these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: ALLIED MORTGAGE GROUP
State: NY

Complaint narrative:
I made an inquiry about mortgage refinance online through XXXX XXXX and was contacted by XXXX XXXX from Allied Mortgage Group. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and Allied Mortgage Group and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
To Whom It May Concern : This letter is regarding account, which you claim I owe {$4500.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
hello I called the creditor so many times but keep reporting it to XXXX  while it supposes to go to workers compensation there is nothing to do with me

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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Credit card : Walmart credit card. 

Issue : Taken off automatic payments without permission. 

My credit card servicer was XXXX XXXX, but there was a transition to a different service provider : capital one. 

Ive never missed a payment for that card in three years. Ive also never missed a payment for any obligation for over seven years. 

When the transition to capital one occurred, my automatic payments were not transitioned. Ive been overseas for the past 7 months and established autopay in order to avoid any lapses in my payment obligations. 

As a result, my payments lapsed. Theyve been gracious enough to refund all of the fees and penalties theyve charged after I was able to get in touch with them, but my credit has suffered. 

Can you do anything? I feel that they are directly responsible as this wouldnt have occurred had automatic payments not been XXXX in the corporate transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I am seeking help to rid my credit report and my early warning consumer services account of fraudulent accounts. Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, Branch Banking & Trust and XXXX bank have been made in fraud. I am currently contacting each bank but unable to come to resolutions concerning the identity theft. Attempts have been made to open a bank account from numerous banks that I have not authorized. I have completed several police reports and have made a identity theft report as well. 

XXXX county Sheriffs office identity fraud Reference # XXXX. 
Identitytheft.gov reference number 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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Tuesday, XX/XX/2020, Somebody hacked my Cash App account and sent {$650.00} at XXXX XXXX. To a unknown person. I received a notification on my phone immediately and contact the cash app about the unauthorized transaction. The only way to contact Ca $ h Out is via email I sent an email regarding the On authorized transaction and reached out via XXXX. They told me they would not help me due to this unknown device has logging onto my account before. I stated that I can show the serial numbers to my phone to prove that was not me authorizing this transaction, I also have face recognition on my phone.After I sent the following email I Heard no response from Cash app. I googled the persons name the money was sent to and it looks like a fake person account. If you look at my previous history Ive never sent money to this person in the past.This is not fair to me as a customer whos had a long standing relationship with cash app. Ive never had this issue happened in the past and nobody is trying to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MD

Complaint narrative:
All the details are in my claim number with you of : XXXX. No answer has been received from LexisNexis other than a letter addressed to : FirstName XXXX Last Name at my correct address claiming the need for more information. 
I provided a copy of my credit denial from XXXX dated XXXX XXXX, 2019. 
I receive mail asking for more information, then nothing. 

I know their Credit Report was incorrect and it would seem they do not wish to explain and/or correct. 

Suggestions would be appreciated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial Systems is trying to force me to pay a debt that is not real. They are attempting to collect this fictitious debt on behalf of XXXX XXXX XXXX XXXX, which is a business that I have NEVER been to. There are dozens of XXXX reviews for XXXX XXXX XXXX that are all from people who also have never ever been to XXXX XXXX XXXX, yet have received bills and calls from debt collectors regarding this made up services. Some of these unfortunate targets say that they have actually paid the requested amount, but they still continue to receive new bills.

The first communication that I received from Commonwealth Financial Systems was extremely suspicious and I believe it may have violated the FDCPA. The caller refused to identify themselves and would not tell me why they were calling or who they represented. The asked me to provide personal information before they would share any information with me regarding the call, which I refused as it clearly seemed like a scam. They asked for my social security number and date of birth. When I asked again what the call was about, the called said that it was " in regards to a business proposal '', which I now know was a complete lie and is in direct violation of the FDCPA. When I refused to give my personal information, the caller made it clear that they knew my current address, in a manner that I perceived as threatening and distressing. They then said that they would be sending me a letter, which later arrived. 

This letter included the amount of the fictitious debt and named XXXX XXXX XXXX XXXX as the debt holder. The letter indicated that if I did not dispute this claim within 30 days, that they would assume it was legit, which can not honestly be the appropriate way to approach debt collection. 

I called the number at the bottom of the letter with the correct extension and asked for the person named at the bottom of the letter. I was told that this person worked in a different department even though I dialed his extension. The person who answered the phone then said my name and that they knew it was me calling, despite me not identifying myself to them. They then immediately asked me for my date of birth and social security number again. I told them I was not comfortable giving out this information. They transferred me to someone who I was told was a manager, and the same process repeated. I asked why I should give out personal information to such a suspicious party and the manager only insisted that they were legit, " of course we're legit, we sent you a letter. '' was his only explanation. I refused to give my personal information to this shady company regarding a fake debt. This is a clear and obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
The lender keep placing discharged cram down debt on my payoff statements once in XXXX and again in XX/XX/XXXX one month before the scheduled sale of my property in XX/XX/XXXX. My property was placed on the auction block and there were no bids on XXXX for the property I was a bidder on the property. Within a week the PSO private selling officer for the courts and the plaintiffs attorney filed a sales form with the court stating that the property sold. My lawyer filed a motion in XX/XX/XXXX disputing the sale of the property. I discovered that at that time all XXXX   judges passed a motion to discontinue using POS sellers in XXXX County Common Pleas court in Ohio. The debt collector XXXX XXXX was successful in getting the judge to confirm the false sale and taking possession of my property which I had two  tenants living in the duplex at that time. The Shellpoint the loan servicer sent me a 1098 listing interest that I never had paid in for XXXX. The 1098 also was showing a balance of the loan debt at {$44000.00}. Shellpoint finished with a 1099-c forgiving {$11000.00} of the principle loan debt and telling the IRS that the fair market value of he property was only {$35000.00}. 
Conclusion : In XX/XX/XXXX I file a motion to have have the sale reversed and was able to convenience the courts by a phone call recording I was able to get form XXXX that the property never sold in XX/XX/XXXX. The sale was vacated by the Judge XXXX but part of the judges decision was that the property could be resold by the courts own Sheriffs department. As a result of the false sale resulted now I believe to be a issue with part of the decision by the courts. The claim is that part of the debt was already forgiven by the lender by a 1099-c and the debt collector XXXX XXXX  under the assumption that the false sale went though and the case was over paid off the first lien on the property used in the original foreclosure sale. 
I am looking for the new sale date to be vacated and the POS seller auctioneer hired by XXXX XXXX to be investigated by the Ohio attorney generals office for fraud in the sale of my property. I do not owe what the sale states I owe on the property note and the information obtained by the sheriffs sale and used as public notice must be correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Complete Short Sale package was sent in several time and calls placed to postpone/suspend foreclosure date to ensure the investor on the loan reviews my short sale application and considers allowing me this as a loss mitigation option to prevent foreclosure. Taking too long to be able to speak with short sale dept as they kept saying they don't have docs yet. Faxed as well as emailed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed on my equifax, XXXX  and XXXX  there is an employment with XXXX XXXX which was also on the same day where a lot of hard inquiries happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank decided to close my checking account after I requested to speak to a supervisor over a stop payment request. The stop payment request was made XXXX  XX/XX/2020 the check was then cashed by the company whom claimed to have not received the payment. Which is the reason I requested chase bank stop payment. Chase bank specialists ... although she was very nice lady. Found it to be a funny situation and Chase bank said oh well sometimes the system goes down and you have to take a loss. Even though several employees admitted the company is indeed at fault. I am forced to take a {$530.00} loss. In addition, I have to jump through hoops to obtain my remaining funds due to identity theft. XXXX having police report numbers. On XX/XX/2020 I was even threatened by an agent named XXXX. The employee told me if I did not release my new checking account number to my new bank account I would not receive my funds to my pending account. Claiming it was standard procedure, which wasnt true. As an identity theft victim and having Chase make a huge error on my account its terribly unprofessional.

Company response to consumer: Closed with monetary relief