vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IN

Complaint narrative:
Attn : yopuI have a XXXX XXXX bill that I have been trying to dsipute for the last 3 years. The credit bureau are saying the info from XXXX is accurate and updated. The bill does not belong to me whatsoever. Please address the matter with the reporting agency XXXX, XXXX  and XXXX. They are making it so difficult for me to move along with this debt. That does not belong to me. I just recieved dispute letter back from XXXX XX/XX/2018 It states the account has been verfiered as accurate.Outcome ) Updated??

Thank You

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 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
We have tried to work with Carrington Mortgage to save our home we realized that XXXX was the former owner of our loan and they liquidated through a Chapter XXXX Bankruptcy. We are trying to understand if our home is a part of the liquidation?

Before we got to this status we have submitted payments to Carrington Mortgage and they have sent them back to us.

Recently Carrington sent to us a Loan Modification Package and we completed the application and submitted the requested documents. Documents were due back on XX/XX/XXXX. We submitted the completed application and supporting documents via XXXX onXX/XX/XXXX.

We spoke to Carrington Mortgage today and found that they did in fact receive the documents but they refuse to look at them because it was not with the 32 or 37 days before a sale date to be considered for a workout. We were constantly calling them and not one time did anyone tell us that after compiling documents and sending them by XX/XX/XXXX they were just going to reject all of the paper work and hope of getting our mortgage back on track. We were never told that this information until today.

We are asking for help in acquiring a desired Loan Modification and stopping the sale date scheduled for auction XX/XX/XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I recently saw this account added to all three of my credit reports, but have no knowledge and have received no notification of the debt. On my XXXX   credit report it is listed twice as a collection and once as an active account in good standing. I don't understand this as I have no contract with this company. I have not received any written notification and have not been provided an opportunity to request verification and/or validation of this debt. I have no contractual agreement with XXXX XXXX  at all. They are in violation of the Fair Debt Collection Act. I have now made disputes through XXXX, XXXX, and XXXX. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' and have yet to receive any information. They indicate I owe {$970.00}, but when I talked to an employee there he said they can lower it to ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added to my credit reports. It just showed up about 3 weeks ago within a few days of each other, and shows it has been reporting sinceXX/XX/XXXX, which is incorrect as this same debt was being reported by another agency and this was removed from ALL of my credit reports just last month, which means they are stating they were engaged in duplicate reporting. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. XXXX is in full violation of the law and this needs to be taken today. I am also advising concerns that they do not have my proper info. They were not able to verify my correct address or refused to and wanted me to do so and I have not received any information from them regarding any recent activity from phone calls and or their supposed debt purchase and entry of information onto my credit reports for all 3 reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report. I noticed several collections accounts reported by First Federal Credit Control for alleged medical debt. I wrote a letter to this collection agency onXX/XX/XXXX and sent it to them certified mail. In my letter, I requested validation of the alleged debt and HIPAA authorization. I advised them I did not recall giving my permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a 3rd party. I requested a breakdown of fees including any collection costs and medical charges. I also requested a copy of my signature with the provider of service to release my medical information to them. Lastly I requested that all reporting to any credit bureau cease until the alleged debt was validated by myself. I did not receive any paperwork showing my signature or authorization to release my personal medical information. I received copies of specific diagnosis codes with personal medical information, service dates and charges. I have also filed a complaint with the Office for Civil Rights due to my strong belief that my health information privacy acts was violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I settled the accont with capital one for XXXX dollar pleases let them show my account as settled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Groundfloor Finance Inc.
State: CA

Complaint narrative:
The company attempted to make an unauthorized withdrawal of {$1000.00} from my bank account. I did not initiate/request/authorize this in any way, and once I found out about it, I had to hurriedly contact my bank to execute a Stop-Payment on this transaction attempt, which involved a {$20.00} fee. At the very least, this company should reimburse me for that fee. And I want this incident to go " on record '' so that if there becomes a pattern of them doing this to people, they can be penalized accordingly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX called my cell phone. The representative asked for my husband. I told him that the cell phone number belonged to me and asked what it was about. He refused to answer. By then, I looked up the company 's name and learned that they were a debt collector. So, I requested to speak to a manager. When the manager answered, I explained that my husband was in the hospital and requested that they mail all information to our home address. I gave the manager our home address for written notices and asked that they stop calling my cell. Despite my request, XXXX XXXXl representatives keep calling my cell. After my request, I got at least 5 new calls from XXXX XXXX. Further, as ofXX/XX/XXXX, we still have not received any written notices from XXXX XXXX. We don't know what debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Credit Karma, LLC
State: NY

Complaint narrative:
I settled the accont with XXXX XXXX for XXXX dollar pleases let them show my account as settled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I called the company a few weeks ago trying to get some unauthorized inquiries removed but the customer service rep was no help at all. I told her that I havent been applying for anything since I was working on my credit and plus I am trying to get approved for a mortgage. Someone please fix this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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 — Investigation took more than 30 days
Company: Vitek Real Estate Industries Group, Inc.
State: CA

Complaint narrative:
In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted Vitek Morgage Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
OnXX/XX/XXXX and XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX  card issued by Chase and was denied both times. As of XX/XX/XXXX I still have not been told why I was denied and have not received any information from Chase about what I can do to obtain that information. I have tried to call the number on my credit report XXXX but that number requires that you enter your 16 digit card number to get assistance and since I was denied I do not have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
InXX/XX/XXXX I XXXX XXXX started work at XXXX XXXX XXXX. During the first year of work I applied for the Public Service Forgiveness Program through XXXX XXXX XXXX. During the application process I was asked to have my employer fill out forms stating that they were a non-profit organization. These forms were sent to XXXX XXXX XXXX  who also reviewed application and approved it. I worked at XXXX XXXX XXXX  from XX/XX/XXXXto XX/XX/XXXXand within those calendar years I consistently paid the amount that was set by XXXX XXXX XXXX. OnXX/XX/XXXX I received a letter in the mail stating that all of my qualifying payments while I was employed at XXXX XXXX XXXX was being revoked and approval reversed. I called in to XXXX XXXX XXXX to inquire on why I was being notified 8 years later that XXXX XXXX XXXX   was not a qualifying facility. I spoke with a initial service rep who was very polite and sympathetic towards issues. She then transferred me to a Public Service forgiveness program manager who was not in any way shape or form polite nor understanding. I then began to explain the situation to her. I followed up by saying this process requires approval by XXXX XXXX XXXX and XXXX XXXX XXXX. I asked how did they miss this for 5 years. She then stated " Sir I was not the one taking care of or approving this loan program. If you could have that employer write a letter stating that they are non-profit then we would review it. '' I then said I get that, but the only one who is suffering here is me and my family. She continued to demonstrate no signs of sympathy or understanding. I then apologized to her, stating that if I sound rude it is not meant towards you. She said nothing and stated that I could send in my complaint via fax or online. Still no sympathy nor compassion from her. I submitted a application every year and XXXX XXXX XXXX  department continued to approve it. This is not right at all. XXXX XXXX XXXX and XXXX XXXX XXXX dropped the ball on this one and they need to own it. Customers should not suffer because they are not reviewing applications appropriately. 8 years are you kidding me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
My ex / children 's father stole my identity and opened a car loan with me as a couple signer against my wishes. I did not even know this account was on my credit report. They have it charged off and closed and it is not mine it needs to be totally removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To drop my PMI, Bank of America is insisting that I use their appraisal company that is charging {$570.00} to do a home appraisal. Home appraisals in this area are {$450.00} at the high end some are much lower. They are licensed by the State of Texas so I should be able to chose one on my own. So my complaint is that they are forcing me to use their appraiser and pay a much higher fee. They are also charging {$170.00} for a Stand Product Listing fee. 
It also took two request to get a letter from them that allows me to schedule their appraisers, then I have to mail it to them and wait on a response. They are slow to act and will not give you any information on the phone about if you are near the 80 % mark so you are just taking a chance and paying the large appraisal fee to maybe be told no your not quite there yet. They should look at the appraisal district which is usually lower and be able to give you an estimated time when you would be eligible and not just wasting money.

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 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported BOA false charge to my checking account by XXXX in three different transactions. They gave credits initially in XX/XX/2018. 

I received the letter now, stating they will remove {$280.00} from my account. 

I called back XXXX, request not to remove {$280.00} from my account. 

They refused my claim.

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 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
Everyday relentlessly I am receiving 5 to 7 calls a day from this number XXXX XXXX XXXX which my caller ID is saying this call is being made from XXXX XXXX in XXXX. The first time I answered this call, The immediate message said Hi, This is CBE and anything you say will be recorded and all went silent then the call just disconnects. I searched CBE and it is a debt collection service with office based in XXXX, but I did not call or reach out to this company for any information. I have a call blocking service provided to me by my phone carrier XXXX which Identify scam or these type of calls but all it does it let my phone ring twice and disconnects the call but recently this same number comes in and my phone keeps ringing and my blocking service does no good as if thought the number is being proofed. I want this company to stop calling me PERIOD. I even tried to answer them to find out what they want but the call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The last XX/XX/XXXX I went to Sears store for shopping some stuff at XXXX XXXX XXXX XXXX XXXX  Co. XXXX, when check out the balance was {$58.00}. The cashier asked me do you want credit card store. I was thinking maybe its the moment for apply for one card store for build better my credit. I say yes, I notice she was talking a lot, never give me the right information, just talking about the offers. I sign some documents but I notice doubles papers, I asked her DONT PULL UP MY CREDIT TWICE, she answer me no, just once very softly. After two weeks I received two letters, with two different reference numbers, in this moment I was so upset, I went to the store, I spoke with XXXX, she tell me the general store manager is no in the store for one week well I spoke with her about this problem. XXXX says they cant do anything, but I say the problem come from the shop worker and she offer a letter never received. This is not fair because take me long time to build my credit for just this inappropriate practices from the cashier ; she was just thinking in the commission she was received but never thinking how affect my credit. I never authorize two applications for credit card, please I need your help, I dont want to lose many point just for one person how just thinking in the money, she will receive for the credit card application.

Thanks 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 non-monetary relief
Consumer complaint received 2018-05-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXXBalance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX  Account # : XXXX Date Open:XX/XX/XXXXBalance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}

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 2018-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Spero Solutions, Inc.
State: WA

Complaint narrative:
XXXX - Now XXXX - used ambiguous language to get me to agree to pay an up-front service fee to get me on an income-based repayment plan with my student loan service. While they did do that, they led me to believe that a monthly fee of {$39.00} would be paid toward my student loans. In reality, that fee was not going towards my student loans at all, it was going to some random insurance company I never heard about at any point during my dealings with them. So, they got me to believe that I was paying {$39.00} a month toward my student loans using faulty language over the phone, and in reality that money was not going where they told me it was going. I just found out about it when I checked my payment history with my actual loan services ( XXXX XXXX XXXX / XXXX ), and a representative there informed me that there are many 3rd -party companies scamming people in this way. I filed a complaint with the FTC, and I'm seeking legal council, but I need to follow through with cfpb as well.

Company response to consumer: Untimely response