vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
My mortgage was sold to Carrington Mortgage from XXXX. I wasnt notified of the change until nearly 60 days. On my credit report it shows 3 months of 30 days late from carrington mortgage but I talked to them and told them what happened and they said they would correct this. Also my banking info was entered in wrong on their end and I was making payments and they were not going through. They again said they would correct this on my file and they have not.i tried to get it straightened out and they said they would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Tried to re-connect my PNC bank account to XXXXXXXX XXXX  XXXX, so that I could pay some bills that were due the very next day. I signed into my bank account with my username and password, then I had to enter in the security code provided by PNC through text ... ..but it still wouldn't re-connect. So now I'm facing disconnection for 2 important bills because I can't use XXXX XXXX XXXX to get a temporary loan. I signed into my PNC account to send a message and almost 22 hours later, I haven't had a reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AZ

Complaint narrative:
Today, XX/XX/20, I received a letter from Commonwealth Financial Systems , Inc. stating that they are collecting on a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX ; a hospital that i have never been to and have never even lived near. Upon researching the company, Commonwealth Financial Systems, I found that they have a long track history of opening false credit accounts or reopening settled debts and ruining peoples credit. I have always had medical insurance and paid my deductibles, this letter is absolutely an attempt to get money from me with a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/20 at XXXX I discovered that XXXX dollars was taken out of my unemployment account right after I spoke with an older XXXX lady on the phone inquiring about some purchases I made from XXXX. I called Bank of America back and I asked them who took XXXX out of my debit account and I told her I wanted to file a dispute to find out who stole my funds. I was sent to the claims department and put on hold for 45 minutes. I then hung up called back and was hung up on. I then called back and out of nowhere 37 dollars was put onto my card. I called a total of 10 times trying to file a dispute but I was hung up on or never spoke with anyone. I was on hold 45 minutes then an hour, then one in a half hours, then 45 minutes and then 30 minutes and then an hour, then two hours, then another hour, then another hour and twenty minutes. I then called consumer finance but the connection was bad so I am filing my complaint now. I checked XXXX and between XXXX and the workers at Bank of America I believe someone at that bank stole my funds because XXXX would have sent an email stating refund to my account which they also owe me {$310.00} unless they stole the funds but the behavior of the workers and the 37 dollars mysteriously popping up onto my card is highly suspicious. Bank of America can not help me because the employees will not answer but there is definitely fraud going on and I want my funds placed back onto my account.

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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: WV

Complaint narrative:
We applied for a personal loan with XXXX XXXX XXXX XXXX and our bank and was turned down. Our loan officer stated we have a dispute against us from Specialized Loan Servicing. We called the company and disputed this action on our credit report and asked them to remove it. The credit Bureau stated all the SLS Loan company had to do is call Credit Bureau and this can be fixed. They refused and stated they want us to send a letter to them stating what we want done.They stated it could take several weeks to have this removed. We have never missed a payment through this loan company. We did apply for a Forbearance but, once we reviewed all the information we decided to pay our payment each month on time. We have called the loan company again and they will not remove this off our credit report. They never answer our calls and refuse to cooperate with us to solve our problem with our 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 2020-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I received a letter from the company dated XX/XX/20 that my account was sold to the company. 

I wrote a letter to them disputing and asking for verification XX/XX/20 and emailed it to them XX/XX/20, with my name, my address, the account number listed on the notice, etc.This email was listed on the back of the notice. 

On XX/XX/20, I received an email that they received my email and someone would respond shortly and gave XXXX # XXXX. 

Response came on XX/XX/20, in which a person/agent named XXXX ID : XXXX stated they would need my account number, my name, my phone number, address, and SSN. All of these items minus my SSN and phone were in my letter. 

I responded via email that I would not be providing those two pieces of information, one because I don't want a collection agency to take or sell my SSN, as I have heard happened to others, and my phone, because they could use it to harass me with calls. I stated that the letter contained adequate information to address the complaint. a receipt of my email was received that same day XX/XX/20. 

I then received an email response XX/XX/20 from agent XXXX ID XXXX, stating they wouldn't be able to help me and that I would have to call into them to find a resolution to my dispute and would not continue in writing as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
CEO of Santander Consumer USA To Whom It May Concern : I bought car through XXXX In XXXX, TN ... I was told I had to finance through you all, even though I had good credit. I purchased a XXXX XXXX ( XXXX  ). 
Unfortunately, your product cost me more than I would ever imagine, I realized that every payment never made my total of the car go decrease. Instead it was getting higher and higher. I also noticed that my insurance was never updated with them. I soon realized that I was paying for a car I would never own. I complained and complained. I even sat in my car thinking why did this bank do this to me. I am a good paying citizen and I was just scammed. I lost more money than ever. I realized that after making payments I had already paid for the car and I was not seeing any progress in the price/financed amount. I thought about taking it to the media, but I instead tried to reach out to the customer service and they were not nice at all. 
To resolve the problem, I would appreciate your company removing this car from credit like it never happened. I do not wish to pay anything due to the horrible service and I do not have the car. I do see that your company is being sued. I am truly sorry for the inconvenience, but I was done so wrong by this company as well. I asked for information to see if terms were changed and if I missed something in the bylaws here. I was only contacted about payment. I am hurt by the decision I made to choose to buy a car from you all. You may be a great person in person, but this has hurt me tremendously. It has cost me my livelihood in so many ways. I am not able to buy a house. I have been renting for 12 years. I was not able to get any extra credit due to help me stretch the XXXX dollars every two weeks I make to take care of my XXXX children. I have hopped from home to home with family and friends to try and make ends meet. What did I do to deserve such a crazy deal. How is it that I was preyed upon with a XXXX credit score and XXXX dollars to put down and they took my hard earning money and still took it after making payments. 
I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me by email or phone number XXXX XXXX they are being sued for predatory lending. I was a victim of this. I am so upset! See below! These are the things that were turned in and they were sued for. 

Santander Consumer USA - illegal practices and consumer harrassment Santander Consumer USA - unethical service Santander Bank - mishandling of purchased autoloan Santander Consumer USA - refund due Santander Consumer USA - get real Santander Consumer USA - car loan Santander Consumer USA - billing and website issues Santander Consumer - scam Drive Financial Dba Santander Consumer USA - everything Santander Consumer USA - auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A credit card from Capital One is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified Capital One that this is not my account and i don't want to be on anyone 's card. However Capital One continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
After we closed on our mortgage for property address XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX, our loan was purchased by Flagstar Bank on XX/XX/XXXX. 

On XX/XX/XXXX, our home was damaged in the tornado, requiring extensive rebuilding. Our insurance company has dispersed funds to us on XX/XX/XXXX and XX/XX/XXXX but the funds are required to be processed through Flagstar Bank ( our mortgage lender ). After over a month of cooperating and pleading with Flagstar Bank to release funds to our contractor, we finally received a check to pay our contractor for the rebuild costs. 

On XX/XX/XXXX, we received a check in the amount of {$93000.00}, a portion of the {$170000.00} we've received from the insurance company. That check was written to me XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, my contractor. On XX/XX/XXXX, that check was deposited into the contractor 's bank account and on XX/XX/XXXX, the check bounced. 

To whom do I turn to get this resolved? The mortgage company is now placing me on permanent holds when I call, resulting in an automatic hang-up after 45 minutes, once the customer service representative has verified who I am and why I'm calling.

I'm at a loss and terrified our contractor will place a lien on the property and this will financially destroy us. Any information or insight you may have would be enormously appreciated.

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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i made a full payment to Macys credit services on XX/XX/2020 of the total amount of {$340.00} to fully close out my account. 
Macys never processed the payment. I made various multiple calls to macys customer service in multiple attempts to resolve this issue in the following weeks after the payment was issued. macys failed to provide and customer support due to the covid-19 and closed their phone support. now macys is issuing interest on my account adding late fees and transferred over my bill to a debt collector. when macys reopened about around XX/XX/2020 i called macys and they had no access to my account anymore, due to it being sent to a collection service. i contacted the collection service XXXX and they have very slow and no consumer support saying that they will get back to me about my dispute with macys in 45 days. all the while macys will keep adding interest and late fees. at this point which have added about 50 % of the original bill so far. i will at this moment make a full payment directcly to citi bank finance services directly to end the interest and fee charges. i will pursue this matter until this issue gets resolved.

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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I am current up to the month of XX/XX/XXXX. 
I will pay XX/XX/XXXX in the next 10 days. 
I have late fees that are being added and credit report states very late but increasing payment to get it taken care of but the mortgage balance continues to increase. I will not live long enough to pay this note off. I am not paying XXXX cent on principal. They send someone to evaluate property every 3 months and its a fee, the fees and add ones are out of control. I am not allowed to pay extra on the principal. PHH is a scam and are continually taking advantage of the people that cant afford to fight them. They were busted in the XXXX and they had to pay is {$500.00}. Why wasnt the terms to undo the over charges adjusted and fixed. Why wasnt their errors repaid in full and not just a small amount to several cases. Why was GMAC MORTGAGE allowed to just rename to Ocwen and then when they were busted they changed the name to PHH. Why isnt the Federal Government closing them down and holding these servicing companies accountable? I read an article that the mortgage companies make more on over charges, unreasonable fees that its worth it to them to commit these acts and just pay a fine when they are found out and busted. I would like to see a outside audit company audit several accounts tax and see their computer programs are rigged. 
Please investigate and stop them for the turmoil and stress they are costing the mid to low class who just want to own a home for their family.. 

They refuse to take my ex-husband off the loan and have the divorce degree and a quit claim deed.

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 2020-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Closed on the house XX/XX/2019. XXXX XXXX. No inspection was performed by XXXX XXXX. There were no Agency agreement forms signed by myself and the Real Estate Agent at  the beginning. No Appraisal report of comparables, prices etc. given to me on the home. Since moving in, the past year has been such a hardship. The roof of the home has an impression. The roofer indicated just a matter of time before additional problems occur. A few days after moving in the entire heating and a/c unit crashed. I had no air condition all summer until I could arrange for install of a new system. I had to arrange some type of financing, and now I have a XXXX XXXX dollar a month payment on a XXXX salary. I had to purchase an entire new unit. A few months later the rains began and the driveway and front yard flooded and continued to flood after each rain. Currently the concrete driveway has sunk three inches, cracks throughout the driveway. Now, prompting me to hire a plumber to tell me the driveway is unsafe, will collapse and possibly a sink hole. As of the date of this complaint a sink whole has developed. The driveway is in danger now of collapsing. I have difficulty accessing my side door of my house. Clearly, fraud, misrepresentation has occurred. In addition I have suffered extreme hardship. Clearly fraud and misrepresentation. This past year has been an extreme hardship and pain and suffering in an unsafe home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I submitted a check, written on Home Credit Line with XXXX XXXX XXXX, to Bank of America ATM on XX/XX/XXXX, in the amount of XXXX, to be deposited into my Bank of America Checking Account. 

As per XXXX XXXX, the transfer of the full amount to Bank of America was completed on XX/XX/XXXX. 

Still, Bank of America has refused to give me access to this {$25000.00} until XX/XX/XXXX, more than 8 days after they have received the money from XXXX XXXX. 

I attempted to address this by first calling Bank of America, and then going to our local office here in XXXX, MO on XX/XX/XXXX. The local office manager,  XXXX XXXX XXXX XXXX XXXX stated that there was no way to release the money sooner so as of today, XX/XX/XXXX, the money is still not available to me. 

Just to be clear : Bank of America received the full {$25000.00} transfer from my personal credit line account on XX/XX/XXXX and has simply refused allow me access to my money for 8 days. 

This is simply unacceptable and illegal for a bank to refuse my access to my own money and so wish to file a formal complaint on Bank of America for this action.

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 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
i SPOKE WITH THE LENDER ABOUT THE PROBLEMS WITH THE CAR ; HOW IT DOES WORK AND THE PROBLEMS. I WAS TOLD BY THE CAR DEALER TO BRING THIS CAR BACK AND THEY WOULD RESELL IT. I TOLD THEM THE PROBLEM FROM THE START SO I TOOK THE CAR BACK AND THEY TOLD ME THAT IT WOULD NOT HIT MY CREDIT BECAUSE THEY KNEW THE PROBLEM. 

SO I TOOK THE CAR BACK AND THAT WAS IT ; BUT WHEN I LOOKED AT MY CREDIT THIS CAR WAS ON MY CREDIT STATING THAT I OWE THIS LARGE AMOUNT. THE CAR DEALERSHIP LIED TO ME ABOUT THE ENTIRE PROCEDURE OF ME GIVING THEM BACK THE CAR. I WAS TOLD THAT I WOULD NOT OWE ANYTHING BECAUSE I TOOK THE CAR BACK. WHEN I LOOKED AT THE CREDIT BUREAU REPORTS I SAW THAT THEY H AVE PUT ON THERE THAT I GAVE THE CAR BACK BUT I STILL OWE. THIS IS WRONG I DO NOT OWE ANYTHING.

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