vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from Capital one from XX/XX/18 showing I applied for a credit card. 3 years ago I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score.The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
This is the second complaint we have filed as when we called in the XXXX kept saying the DOB does get involved in Short Sale approvals. It's evident no one at the division of banking even READ THIS COMPLAINT as the information mailed to me in response was regarding CARRINGTON MORTGAGE and this complaint is NOT AGAINST CARRINGTON. This complaint is not regarding a short sale. 
This is regarding XXXX ( 2nd loan servicer ) sending a discharge of mortgage debt ( 1099C ) to homeowners in XXXX and then when they went to sell in XXXX they couldn't because the mortgage discharge was never recorded. When we attempted to contact XXXX they scrambled and said the entire debt was still due - however each homeowner is in possession of the 1099C which was dated XX/XX/XXXX. 
Per Massachusetts law Mass. G.L. c.184, 17B the mortgage servicer has 45 days to record a discharge once the mortgage debt is discharged. Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the person paying off the loan. If the DEBT is discharged in it's entirety there is no mortgage anymore. XXXX XXXX and XXXX XXXX XXXX mortgage debt was discharged in it's entirety. A discharge should have been recorded by XX/XX/XXXX. 
From XXXX : I have listed my house for sale. When title was pulled it showed TWO mortgages, however in XXXX my mortgage was forgiven by XXXX. XXXX was originally XXXX XXXX which was sued for giving out bad loans. My the debt was forgiven by XXXX with a 1099C in XXXX, but they never took the mortgage associated with this off of my title. Now I'm being told that even though they sent me a 1099C stating the debt was forgiven that that was a mistake and I owe the entire amount. This makes no sense. If the debt was forgiven via a 1099C then the mortgage should have come off my title at that time, but it was never done. On top of that how is it I now owe the debt that XXXX forgave? 

We have filed complaints with Division of Banking and the MA Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My card was used at a XXXX XXXX XXXX XXXX XXXX, XXXX, TX without my permission on XX/XX/XXXX, I received a text message saying my account went below {$25.00} so I log on to my account and saw 2 transaction and called AmEx Serve right away and had the card cancelled stating fraud. I was told to call back or go online to dispute the transaction once they processed, I did on on monday XX/XX/XXXX when they cleared. I was send a declaration of Fraud letter on XX/XX/XXXX which I filled out and emailed back to serve on XX/XX/XXXX. I have called 3 times to check on it and each time was told I would get a letter once it was decided. on XX/XX/XXXX I received a decision saying Based upon their investigation we have determined that no error occured and the transactions in question were authorized. Therefore the transactions is not eligible for credit to your account. 
I have called twice to talk to someone at AmEx serve but they tell me the decision was made. and I repeat I did not give authorization for someone to use my card and I had the card and was at home not XXXX TX. I even gave them a idea of what could have happen at XXXX XXXX XXXX which I made a purchase earlier that day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a credit card. 3 years ago, I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. The Inquiry is inaccurate, misleading, or incomplete, may have violated federal law.. I do not know how this company receive my info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: WA

Complaint narrative:
I was identified to Mortgage Lenders of America through XXXX. They contacted me and at first they were unable to provide me with a loan option. Per the loan officer, he called me back and stated after some digging he infact found out that I would qualify for a USDA loan. We moved forward and I provided all requested documents promptly. Documents included income pay stubs and bank statement. I paid for multiple inspections and the appraisal. He even stated that I could put notice to move from my rental. We were on target to close. Two days before close he stated that I was denied the loan and was unable to provide me with actual options to fit my needs. He then became very disinterested and vague in responding to my questions directly and timely. It then took him several weeks to send me a denial letter in writing so I could move forward. I had also requested a refund of fees I paid out and he ignored my request. After i reached out to his supervisor. I then received another vague response stating " I dug into this more and unfortunately we can not refund the appraisal amount. '' After speaking with other loan officers about this they tell me in their experience it should have been caught early on and not made it as far as it did.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from CARVANA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score.I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My problem is with the credit reporting agences, like Equifax, refusing to update my employment status to " XXXX ''. I have been XXXX  for three years now. I am not employed and have not been employed  since XXXX. And have not owned " XXXX XXXX '' since XXXX : Erroneous information still persists on all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
In XX/XX/2018 a collection for XXXX was paid in full and should be deleted and removed from credit bureaus and still has not

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 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roberts Law, LLC
State: FL

Complaint narrative:
I received a call from " UNKNOWN '' number. Voicemail left said that documents were refused and to call the firm that hired him within 2 hours. " CALL NOW ''. This person then called family members and left the same message. I called the number back twice. The woman who answered the phone answered with " law office ''. She identified the law firm as " Roberts Law ''. She said she would send an email to the " server '' and tell him not to call anymore. The number I was told was - XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was threatened and told that i had to give my banking info so they could take {$200.00} and then {$100.00} biweekly until the sum of {$1000.00} was paid. This debt was for a closed bank account I had in the past but I only owed this bank {$140.00}. They said my payments would be reported to the credit bureau but it never was.. infact another agency tried collecting for this account a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened the online BBVA Clear Connect checking account online with promo code XXXX on XX/XX/2018. The promo is for a {$100.00} account credit after making an online payment to a water, utilities, etc. company in the amount of at least {$25.00}. There are no direct deposit, account minimums, or requirements to keep the account fee free. I have completed the requirements and have waited the 90 days but my account hasn't been credited with the {$100.00} online account opening bonus. I did contact BBVA bank  by phone sometime in XXXX about the bonus and was told to go into a branch location to discuss the issue. There are no branch locations in my state. I feel this is a trap because the online bonus doesn't mention anything about having to reside in a state with branch locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RGS Financial, Inc.
State: WA

Complaint narrative:
I opened a residential internet account with XXXX XXXX during XXXX of XXXX in XXXX, XXXX. When opening the account at the XXXX store in XXXX ( located at XXXX XXXX XXXX XXXX XXXX # XXXX ) I purchased a XXXX  brand modem. We continued internet service with XXXX through the summer of XXXX, when we moved to XXXX. When I called to transfer service to our new address, I was told that because I was moving to a new region I would have to set up a new account, but that XXXX would transfer everything over for me. While transferring our service ( according to someone I spoke with at XXXX  this past fall ), the technician erroneously marked that our modem was rented, and not owned, even though everyone I have spoken with at XXXX has told me they have been able to see that I did indeed purchase the modem. Even though XXXX knew I purchased the modem, they erroneously charged me a second time, and later sold the modem " debt '' to a collection agency called XXXX XXXX XXXX around XXXX of XXXX. It took me until XXXX of XXXX to establish with XXXX that I did indeed own the modem, that I had purchased and paid for it in full when I set up our internet service in XXXX, and that the account never should have been charged off. I was told that the matter was settled, and the debt was removed from my credit reports in XXXX of XXXX. However, I found out earlier today that my " debt '' was sold to another collection agency-this time to a company called RGS Financial. I don't know if XXXX XXXX XXXX sold off a debt that doesn't exist or if XXXX once again charged off my account despite having mountains of evidence that I owe them no money, but neither are legal. Attached to this are screenshots proving that this was removed from my credit report previously, and that I currently do not owe XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code. 
6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit Shellpoint Notice

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has failed to investigate my ID Theft case within the four business days per the FCRA. I have sent there all the necessary  reports and documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 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: Cordoza & Wexler Recovery Services
State: IL

Complaint narrative:
Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with Cordoza & Wexler Recovery Services. He said he represents XXXX. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented XXXX and that I had a credit card with XXXX and was trying to collect a balance due. I told him that I did not recall having a credit card with XXXX and would like to have a number or address with XXXX so I could get something in writing from XXXX. He said XXXX no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to XXXX that stated I had 2 accounts with XXXX and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX knew XXXX. 
I received a letter from Cordoza & Wexler Dated XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with XXXX. But as stated above XXXX told me there was no longer any paper work since XXXX has closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have Received my credit report showing multiple inquiries from Navy Federal.I was not aware that my account will be hit multiple times. It is affecting my credit tremendously when applying for loans or credit cards. I in a process of purchasing a home and with the multiple inquiries is not good a look for my credit. The Credit Inquiries are inaccurate, misleading, or incomplete, & may have violated federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code.

6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit XXXX Notice

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 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX late fee. Paid in full on the due date as evidenced by receipt from other credit card company which paid this balance. Have since received another bill, with another late fee on top the late fee originally charged. this additional fee was now for {$26.00}. total bill now {$51.00} consisting of fees. I have spoken to citibank, to no avail. I feel these fees are incorrect and unjust and would like them removed.. My funds are limited, and hoping for your help in resolving this issue. 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 monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
My loans are serviced through XXXX XXXX. I have been in the IBR/IDR program for years and have kept my account current. AES contacted me as they do every year and stated I had to renew my IBR program. I sent in the form and paystubs over a month ago. I feel that they are intentionally delaying my right to reduce my payments under this law of this program. I have sent my paperwork in several times and they keep denying it due to additional documentation needed. I've sent my paystubs 3 times in the last six weeks to get this resolved. I've sent in several emails including this one today to AES which states the following : I have been trying to get my IBR/IDR case processed through you company for over a month. The last letter I received says you denied it because you don't have all the documentation. I have sent over my paystubs which displays I can not afford a $ XXXX  monthly payment and I have a XXXX dependent in my household. I take care of me and my daughter. I am a single mom. I feel like you are intentionally delaying this process and therefore, I am going to put in a complaint with the government regarding your company. You are not allowing me to exercise my right to reduce my student loan payments due to income. Once again today, I have sent over my IDR form and my paystubs. There is no other documentation to provide you. I am not married. I have been in this program for years and it is very ironic that you are delaying my right to reduce my payments all of sudden. I would like a supervisor to contact me to get this resolved or I will be moving my loans over to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have been charged interest charges on unpayed balance since XX/XX/XXXX upto and including XX/XX/XXXX. During this prior of time I never received a paper or e-mail statement on billing. Therefore Sears Citi Credit Card Company has been taking the mim.payment from my checking account and adding interest at a high rate monthly on the unpayed balance. I think since I did not received any monthly statement that I should not be liable for any interest charges to my account. Prior to this time frame I have always pay my bill in full monthy. I am a Senior age XXXX and not afford all of these bogus charges. Request an Investigation into this matter.

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