vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
To Whom It Made Concern, This issue is concerning, ( CMS ) " Carrington Mortgage Services. '' In the beginning of XX/XX/2017, I requested that the FHA mortgage insurance premium ( MIP ) to be removed from my monthly payment due qualifying for its removal under Federal Guidelines. CMS responded to my written request on XX/XX/2017, with approval to my request. Although in their correspondence, they stated the payment would be adjusted accordingly, I feel the adjustment is rather-tardy and with XX/XX/2017 payment approaching ( 2 ) two months over due. My property taxes and property insurance premium are unchanged so I feel this issue should be expedited and not delayed. I only receive ( 15 ) fifteen days grace before {$94.00} dollars is added to my monthly mortgage payment, so a short grace should be exercised also. Further, I refuse to have the extra {$180.00} dollars added to the required Escrow Account for the disbursement ( taxes/insurance ) unless I 'm going to receive an agreed upon documented interest rate on the extra funds ; which will not happen. ( CMS ) please expedite the adjustment of my monthly mortgage payment from {$2300.00}. Lastly, I attempted to contact ( CMS ) Customer Services several times via XXXX only to receive PRE-RECORED VOICEMAIL which stated sorry busy right now call back later. Hopefully, ( CMS ) can rectify these issues sooner then later promoting a better working relationship with consumer base. Documents submitted for perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX was the last time I physically used my card I notice on Saturday, XX/XX/XXXX I did n't have my card. I did buy food at XXXX through XXXX the night before Saturday. Saturday morning I immediately called the bank and alert them but between the XX/XX/XXXX and the XX/XX/XXXX checks were deposited that were not mine and money was withdrawn actually in a large amount {$3500.00} what ATM gives you that amount in XXXX transaction since then I have been disputing this issue going back and forth they finally unfroze my account I deposited some money since everything was cleared through the bank and more of my money was taken now they tell me I ca n't open up more claims and that I had no limit in pulling out money my understanding most banks the limit is {$500.00} I ask for your help I 'm a XXXX helping my parents my mother is XXXX so I help with my bills and some of theirs as well as my sister expenses as she is in XXXX still I 'm trying to make a better life and paying for school it 's sad how a bank took almost a XXXX dollars no emails no contact no calls bank personnel very rude no professionism situation jumps from one person to another please I ask for help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Prior to the filing of foreclosure by Bank of America, we were told we had to be 60 days delinquent before they could talk with us. We filled out paperwork for loan modifications with Bank of America twice, and both times we were told that documents were lost and we 'd have to file again. We filed once with XXXX and the application was declined because I did not submit a driver 's license. I informed them that I do not have a driver 's license and was told there was nothing they could do. Bank of America filed for foreclosure in XXXX of XXXX. Towards the end of the proceedings, Bank of America 's attorneys managed to substitute XXXX as the servicer and created an assignment of mortgage to XXXX. Bank of America also convinced the judge to dismiss our counterclaims and grant Bank of America summary judgment. It has been our contention from the beginning that Bank of America 's assignment of mortgage from the originator, XXXX, was a fraudulent assignment and the facts of the case support this contention. We will attach the supporting documents. Our loan was securitized in XXXX of XXXX and therefore Bank of America 's purported assignment from XXXX could not be true. The note contains no endorsement to XXXX who purchased the note in XXXX, and then securitized it { by their own admission in answers to interrogatories ). Further, it can not be possible for XXXX to have assigned the note and mortgage to Bank of America on XX/XX/XXXX, if they had already sold the note to XXXX in XXXX of XXXX. The purported assignment from XXXX to Bank of America contains a notary signature that is illegible. This is an invalid signature under California notary rules. Also, the notary admits to having signed up to XXXX documents per day for Bank of America during this time period. This is commonly known as robo-signing -- something that Bank of America was sued for by all 50 States Attorneys General. Again, supporting documents are attached. A foreclosure judgment in favor of XXXX was rendered over our objections, due to fraud upon the court, on XX/XX/XXXX. We are appealing this order. A sale is scheduled for XX/XX/XXXX. We would appreciate any help from your agency, including possibly an Amicus Brief in Support of our Appeal. We do not believe there is time to stop the sale but your assistance in that regard would also be 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 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
notice on my credit filed, a debt collection agency by the name Syndicated Office Systems, LLC, which does business as Central Financial Control sent a debt validation letter to debt collection by certified mail, Tracking Number-XXXX received on XX/XX/2015 with no response, follow up with a second letter of no response sent by certified mail Tracking Number-XXXX received on XX/XX/2015, to close this matter and remove from my credit file. with no response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
They have called me at work many times and is now contacting my supervisor and releasing personal information to him about me. They also refuse to provide verification of debt and threatened to have me served with legal papers or arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
My loan is being serviced by Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until XXXX XXXX but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is taking it 's toll.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian 's upload/dispute system does not function ... .I could not reinvestigate XXXX items. 
XXXX, acct. XXXX ... .is claiming XX/XX/XXXX XXXX.IT IS XX/XX/XXXX. 
PLS DELETE ACCOUNT. 

XXXX XXXX .... IS A PAID ACCOUNT. 
THE CURRENT AND PREVIOUS PRESIDENT OF USA HAVE CREATED LEGISLATION FORGIVING STUDENT LOANS AND REDUCING PAYMENTS WITH ATTATCHED FORGIVENESS BECAUSE OF UNEQUAL UNFAIR TREATMENT OF PERSONS UNDER THE LAW ... ..WHY PENALIZE ME WITH CREDIT DAMAGE AFTER I HAVE PAID MY LOAN ... PLS DELETE ACCOUNT THAT HAS MULTIPLE INACCURACIES IN PYMT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting a dismissed Bankruptcy that is damaging my credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating they are not reporting. This is already a public record and they do n't report to any credit bureaus. I am being penalized as if bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to inability to follow through due too declining health insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the relief or debt forgiveness

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed a public record appearing on my credit report on multiple occasions. I contacted the Bankruptcy Court at the address and telephone number listed on my credit report. The address that is listed for the court and telephone number appearing on the credit report are both inaccurate. I contacted the bankruptcy court and was informed that they did not provide the information listed on my credit report to Experian. I sent a certified letter to the address listed on my credit report for this public record and it was returned undeliverable.I have asked Experian to provide the name of the data furnisher or third party source who verified this information so that I can contact them directly. Experian refuses to provide this information. The date of filing, status, listed is completely untrue. This bankruptcy does not belong to me. I would like to see how this information was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just hung up the phone again with experian credit reporting agency as there is numerous errors on my credit report. The customer service rep was not helpful and would not re-dispute previous information for me. My first complaint is XXXX account which I had submitted a letter directly from the bank stating that this account was never paid late. It is showing a late payment in XX/XX/XXXX. ( which is incorrect ). I submitted the letter to experian and it was corrected however yesterday XX/XX/XXXX I received an updated copy of my credit report and this account is listed with a late payment again so they re-inserted this wrong information. I asked the customer service rep to please re-dispute this for me and he told me I need to contact XXXX myself because it has been previously disputed. I contacted XXXX and was told I need to put my request in writing to have another letter for proof that this account was never paid late. I had this letter in my messages with XXXX shops but after 180 days the letters are automatically deleted. I am furious at the fact that this account is reporting as potentially negative and should go to a positive status in XX/XX/XXXX. This account was never paid late and it has been proven. Experian should have never re-inserted this wrong information again. My other complaint about experian is I wanted to request and account XXXX that is reporting as a charge off. I finally had it removed from XXXX as that too has been confirmed that this account was paid in full 2 years ago. Experian would not re-dispute it for me. My credit is extremely important to me and having an agent not assist me in my request is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We have XXXX past due home equity loans with Bank of America that we have been trying to resolve either through a repayment or modification program since XXXX 2016. Bank of America has not been working with us in good faith since they found out that the primary lien with XXXX had been paid off. In turn, Bank of America has now moved the defaulted first home equity loan to the primary position. The second equity loan balance is less than {$600.00}. We sent a check to pay off this second equity loan and Bank of America returned our check and suggested we submit a loan modification application. 
We submitted a loan modification package in XXXX 2016 to try and modify the equity loan and our dealing with Bank of America has been nothing but nightmare. We contact lender at least 2 or 3 times a month for status updates. 
We have been working with XXXX who is our assigned account manager and she has given us several status updates that turned out to be untrue. For example, several times she had told us our file was in review and pending decision only to find out our file was not even active in loss mitigation or being reviewed by anyone. 
Recently, we were told that lender needed updated insurance certification prior to making a final decision on our request. Few days later we called and was told by another Account Manager, that our file was not active and she said she was going to escalate the file. That was the second time we had been told that our file was going to be escalated. 
We spoke XXXX who seemed very knowledgeable about our situation, he suggested the reason our file was being rejected is that the file was being submitted as a combination of both liens and since lender can not combine both liens, file would be rejected. He suggested we pay off the balance on the second equity loan which we had tried previous but the payment was returned. 
Bank of America would not accept a check to pay off the second equity loan and they are giving us the run around on the first equity loan. 
We requested to be assigned another Account manager who understands how to handle this type of situation. Since then, each time we call Bank of America, we are told we got the wrong department and they say they are transferring us to the right department and most of the time when they transfer us, it either goes back to the general automated phone system or the phone systems tells us that our call could not be completed and to please hang up. 
All we are trying to do is resolve our past due obligation and prevent further collection and late payment fees which have continued to pile on. 
Please help us. We are very frustrated and do n't know what else to do. 
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 explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. 
This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened XXXX+ checking & savings accounts in both my name and my companies name without my permission. They never sent me statements or provided online access to the accounts so I never knew I had them. They also were charging me $ XXXX-XXXX+ per account for not meeting the account balance thresholds. This money was removed from my other accounts without me knowing. At one point a teller told me about it and I tried to close my accounts and XXXX account even had more than {$9000.00} dollars of my money in it. Wells Fargo will not help me resolve this. I 've spent over 50 hours on the phone and in their offices trying to resolve this and they just keep giving me the run around. They have fired everyone associated with it then when I call they just transfer me back and forth and take my statement over and over then never call me back. I have a print out that shows XXXX accounts from that teller that helped me otherwise there would be no proof. Wells Fargo has stolen a lot of money from me. Please help.

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