vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage is with Carrington Mortgage Services. My principal balance is now under 80 % of the original mortgage amount ( I believe this happened in XX/XX/2018 ) but CMS continue to take the PMI from my account,. I understand the Federal Homeowners Protection Act requires the lender to cancel PMI automatically when the mortgage balance has reduced to 78 % of the home 's purchase price. 
I contacted CMS and they say they will only cancel the PMI when requested by the mortgage holder ( because some people prefer to keep it ). The only way to cancel is by mail or fax. I sent a letter in XX/XX/XXXX which they have conveniently not received. 
I plan to send another letter by registered mail, asking for cancellation of my PMI and a refund dating back to XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XX/XX/XXXX we purchased a home from an elderly couple. Recently ( XX/XX/XXXX - today ), I received a piece of mail from US Bank. Thinking it was my Visa bill I opened it only to find it was a statement for the previous owners of our house. I called US Bank and asked them to check their records and change the address on the account. The representative was very polite and said she would take care of it I received another statement, called US Bank again and was basically asked by the representative on the phone what they expected me to do about it. I suggested they conduct a universal records search to make sure all addresses for their customer are current. I told that representative that if I received another statement I was filing a formal complaint, since the privacy of their customers seems to mean little to US Bank. 

Today I received yet another statement for these people. I find this inexcusable. US Bank has the account number in question, the INCORRECT address and I would presume the correct address for their customer. This is an invasion of their customer 's privacy and I want it stopped. 

Very happy I have no account with US Bank if this is any indication of how " serious '' they are about customer privacy. 

Again, I will shred this statement.

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 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by National Credit Systems for an amount owed to a apartment complex I recently moved out of the apartment complex under the motion I would be responsible for the months the apartment was vacant. I disputed the charges asking to company to Verify the alleged debt owed of {$6900.00}. All I received back from them was an itemized list of charges with accelerated rent they say I owe and the first and last past of my lease. After reviewing My copy of the lease agreement there on page 2 there is section stating I will only be liable for the dates the apartment was vacant. I am under the notion the apartment was not vacant for the remaining months on the lease as a new tenant was placed in the alleged vacant apartment. I again disputed this account with National Credits Systems and the 3 major credit reporting agencies XXXX, XXXX and XXXX. XXXX  was not able to verify the account and has since deleted it from credit report as of XX/XX/XXXX, while the other reporting agencies came back verified. National Credit systems again sent me an itemized list of the charges along with the first and last page of my lease, leaving out the verbiage written in the agreement for charges owed upon early move out of the apartment. On page 2 section 10 of the leasing agreement it states ... You will be responsible for monthly installments of rent through the end of the lease term or until a replacement is found, whichever occurs first. XXXX XXXX was a tennent in the vacant apartment this occurred first. Further the accelerated rent charges National Credit System claims I owe is not a provision within the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IL

Complaint narrative:
I obtained a modification with XXXX on XXXX XXXX. In XX/XX/XXXX, the loan was transferred to Selene Financial. I began to pay the new mortgage company XXXX. In XXXX of XXXX, I was told that the payments will be increased from XXXX to XXXX effective XX/XX/XXXX. I attempted to contact Selene to discuss the matter but was told an attorney was on file and they could not allow me to discuss this important increase of mortgage of XXXX. The attorney that was on file withdrew in XXXX of XXXX. I presented a copy of the notification and was finally able to discuss the matter. 

After discussing the increase, it was explained to me that the loan was acquired by Selene having a shortage which had to be added to the loan as well an the substantial increase in property taxes, which I believe to be an error by the XXXX county assessors office. During the conversation with Selene, I noticed however that the loan should not have had such a large shortage which ultimately had to be added to the loan when combined with the property taxes resulting in an increase of my mortgage monthly payments of over XXXX per month. I believe that when a loan is modified correctly, it may result in minor increases or shortages that should not be increased to an amount of over XXXX dollars during a span of only ten months. Please review this complaint. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have tried multiple times to discuss with Navient to lower my payment reqirements. They refuse. They constantly report me to the credit bureau and have two charged off items on my report. I am attempting to get another loan to pay my student loans off and no bank will speak with me. my credit score is now XXXX. I have been paying on the loan for 10 years and the balance has never decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was a victim of what some would call a scam that involved a motel called XXXX XXXX XXXX in XXXX XXXX, North Carolina. I was not given the type of room that was expected when I arrived on XX/XX/2018. Because the room was shabby and didn't meet my expectations so I refused to stay there. I've contacted the consumer protection agency of North Carolina about my experience and did not get satisfactory help. Most importantly my credit card company was notified immediately the same day about my problem. I was asked to submit all the necessary documentation to prove my case to Capital One so that funds would not be taken from my card for this motel. I sent more than enough information to prove my case but again was denied and therefor was stuck with paying for a XXXX dollar 2 night stay that didn't happen. I've been a customer with Capital One for over 10 years and have never asked for a refund on anything until now. I don't think Capital One had my best interest in this matter because like most companies it's not gon na benefit them if the money was not charged to my account. From all the negative feedback that I submitted from other tenants about this motel it was clearly evident that this merchant was scamming me for my money. Capital One did not care about this and did not give me the representation that they should have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare in XXXX  XXXX, a loan company and collection agency, bought the paper for my mortgage. I became one month late when I tried to change companies after a problem with them demanding I pay taxes. I am a XXXX XXXX XXXX veteran and do not pay taxes. I paid the delinquent month last summer. However, the money was not applied to my mortgage and the only answer I could get from them was that it went to fees. 

Now, seven months later and with a poor credit rating, I was finally told that last summer my monthly payment was increased by {$37.00} which I was never told. And, LoanCare does not accept partial payments. So, they put my mortgage payment into a Suspense Acct and began using it to pay late fees. I was never told it was a partial payment. I would have happily sent them the additional {$37.00}. 

I believe this is a deceptive business practice from a loan and collection company to collect additional monies. Now, my credit rating is too poor to change to an ethical mortgage company. Also, although I am now current, LoanCare is telling me I owe more than {$300.00} for escrow. When I spoke with a representative last XX/XX/XXXX, he said I was {$130.00} short in escrow. So, I sent them the {$130.00}. I am in great hopes you will investigate this company and take the appropriate action to deny them the ability to purchase mortgages from XXXX veterans on fixed incomes. Thank you. 
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 2019-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
it's fraud I didn't apply for credit cards or loans it was my XXXX  XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX  XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use

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 2019-03-01 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: FactorTrust, Inc.
State: FL

Complaint narrative:
the errors of inquires on my credit report are fraud I didn't apply for loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX   XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
ON XX/XX/2018 i sent a certified letter to XXXX XXXX asking them to validate on a account i never received any bills prior to the debt hitting my credit report, the total amount of debt balance is {$2600.00}. It has been over 45 business days and the company has not replied to the certified letter asking for validation that they recived XX/XX/2018. This company has now violated the rules and this debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX  account since XX/XX/XXXX. Debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX was repossed due to hardship. I contacted Prestige Finance company and spoke with XXXX XXXX, she stated to me what i needed to pay to retrieve my vehicle and that was the all we talked about on Monday. 

I then called back on Thursday at XXXX XXXX, where I paid the debt to retrieve my vehicle back. Ms XXXX emailed me a form to fill and return back to her, and she still never told me where my car was being held. I emailed her at around XXXX because i still haven't heard from her about my vehicle. She sent me numbers to contact individuals where my car was and where i can retrieve my belongings along with my tags. So when i called the number which was to XXXX XXXX, when talking to XXXX he asked me about my tags and i told him my tags should be on the vehicle. So I called Ms. XXXX back to inquire about this infomation. She said they do this to protect your belongings just in case the car get sold. I told her she didn't follow Md laws pertaining to my vehicle. The car had no business being at the auction, according to Md law I had up to fifteen day to retrieve my vehicle from the repossession place. 

When I called XXXX on Thursday at XXXX or XXXX, they were closed, so i call Friday morning at XXXX. Thats when XXXX told me about my tags not being on the vehicle. Then i had to make an appointment to retrieve my vehicle which not until Monday. 

Ms. XXXX never discuss to me where my vehicle was located and how long i had before they sent it to auction. The company never followed Md laws with notifying about my vehicle. I spoke with XXXX. XXXX supervisor, she then told me that thd didn't have to disclose that information about the vehicle.. 
Needless to say, i dont have the vehicle until Monday and i have to {$50.00} to retrieve my tags before i pick up my car.. 

This is so unfair to me because the day I paid to get the car is the same day it was towed to the XXXX XXXX XXXX. And again i was not informed of any of this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates LLC, Has continued to collect debt that is inaccurate. The original creditor removed the account from all my credit reports for inaccuracy. I have countless times contacted Portfolio Recovery in XXXX and XXXX of 2019 to remove this account from all credit reports, as they have no validation for the debt and its inaccurate. They continue to pursue the debt without validation, and have not removed it from all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Guild Holdings Company
State: AK

Complaint narrative:
I called XX/XX/XXXX to make payment arrangements per the company website. I was told to call back when I could make a payment. I was also told that depending on the payment amount I could make I would then be able to enter into an informal or formal repayment arrangement. I was told I would receive the certified letters and phone calls even though I had called in and made informal payment arrangements. When I called today, XXXX XX/XX/2019, I was not able to use the automated system or the online system. I was also not allowed to make a payment by calling the number the automated system referred me to : XXXX. I was on hold for over 30 minutes and then when I did get a representative she had no idea of my earlier call or the arrangements. I as told by this representative that I would be told what they could accept. I told her I literally had only {$3.00} available today but I wanted to get started on getting my account back to current. She refused to accept my payment and said $ XXXX, was not enough for them to accept any payment from me. I asked for a supervisor. She tried to continue to talk to me about paying more. I told her I literally did not have anymore today but would call back again. She laughed at me and then after I asked twice more she sent me to a supervisors voicemail. I left a detailed message with my name, account number, phone and the issue I was having. I requested my account be paused as the supervisors voicemail says it will take 24-48 hours for her to even return my call. They ahve people coming to the property and leaving door hangers that say it is urgent i call with just a handwritten phone number, no name, mostly in XXXX. When i call it is the debt collection line for delinquent accounts at guild mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: MN

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX. XXXX XXXX XXXX ( " XXXX '' ) Owned the right to collect on my private student loans that I received from the XXXX XXXX SCHOOLS prior to my bankruptcy. American Wducation Services ( " AES '' ) serviced my XXXX loans and XXXX XXXX XXXX was the debt collector hired by AES when I went 180 days past due. XXXX themselves entered bankruptcy in XXXX and was bought out by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), only to itself enter receivership in XX/XX/XXXX. Through these bankruptcies and ownership changes I was concerned that AES was not accurately updating me on the status of my loans. The credit reporting agencies listed the debts as closed, not only on my credit report. But on both of my cosigners as well. This took place XX/XX/XXXX. Only to have the debts reappear as open in XX/XX/XXXX. I then began to receive new payment demands from AES. I contacted AES in XXXX asking them to verify the closing of my accounts and to verify the owner of the loans. To which they responded, the loans were open and I still needed to pay, even though XXXX was closed. AES denied that XXXX was closed, and said until they receive notice from XXXX they will continue to request payment and send it to XXXX. AES has still claimed they are sending money to XXXX, even though there is no such company to send money to. As of XX/XX/XXXX through XX/XX/XXXX AES has taken a total of {$5600.00} from me knowing XXXX no longer exists. I want my money refunded and all loans through XXXX to be removed from my name. AES keeps saying they will make a negative remark on my credit report every month that a payment isn't made.

Company response to consumer: Closed with explanation