vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: NH

Complaint narrative:
I have a mortgage for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a loan that originated with XXXX XXXX. The servicing company is Midland Services, a PNC company. The total loan amount was $ XXXX for various properties I own. At the last minute, the lender advised me that they would be withholding funds from the loans for certain repairs. I took the loan, but approximately {$38000.00} was withheld. {$16000.00} pertained to XXXX particular loan on a property at XXXX XXXX XXXX, XXXX, Texas. I successfully completed all the work on the list, particularly the replacement of the roof, installation of XXXX circuits, and repair to the flatwork. For about XXXX months now, I have been contacting Midland to get the {$16000.00} returned to me, but I am having no luck. Please contact them and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I faxed to BMW Financial services Collections department, the Death Certificate of XXXX XXXX ; Probate Court Order naming XXXX XXXX as Heir of the Estate of XXXX XXXX ; and a Power of Attorney for XXXX XXXX, appointing, XXXX XXXX as the Executor of the Estate of XXXX XXXX XXXX. On XXXX XXXX, 2015 I called and spoke with an associate in the Collections department who confirmed the receipt of the above-referenced documents. BMW Financial Service by and through its collector, disregarded the court order by withholding details of the account and refused to provide the Pay-off amount or the status that this account was past due and up for repossession. However, I was advised that I could ONLY make a payment and then BMW Financial Service 's legal department would contact me with payoff amount. I made a payment for {$6000.00} to buy time until the legal department contact me as advised by BMW Financial. However, no one from BMW ever contacted me and two weeks later, on XXXX XXXX, 2015, the car was repossessed. I called BMW Financial Services to inquire why was the car repossessed. I was told that my bank draft was returned by my bank as " Account not found ''. My Credit Union suggests that no draft ever was submitted as it would still be identifiable as none from BMW shows in their records. BMW Financial Service states that, I was not called because of privacy laws with the Decendant ( XXXX XXXX ) and no one was appointed as Executor or Attorney. I spoke with XXXX of BMW Financial Service Repossession Department, who explained to me that the legal documents submitted were insufficient because the BMW Financial Service assumed the Power of Attorney was for XXXX XXXX. Which was and has never been the case. ONLY after I asked XXXX to read the documents closely, BMW Financial Services acknowledge the XXXX County, Texas Probate Court Order listing XXXX XXXX as the Executor of The Estate of XXXX XXXX XXXX. Not until AFTER BMW Financial Services repossessed the car did they provide Payoff amounts or cooperated with and acknowledge the Executor to settle this debt ( in full ) and take possession of this heirs property. Nonetheless, the Estate has been damaged in additional costs of approximately {$1000.00} in additional repossession fees and costs to pay this loan off and it was all because of BMW Financial Services negligence by NOT contacting the Executor with regard to payment being returned, by not providing status of the loan as required by the Court Order, by not providing the Estate the benefit of paying this loan in full on XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Profit Services Group
State: GA

Complaint narrative:
I have a medical bill that was supposed to be paid by the VA from 4 years ago. I received two threatening phone calls within 1 minute from Profit Services Group ( XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ). I explained to the extremely rude woman that the VA was supposed to take care of that bill and that I would contact them again to find out why it was n't paid. She told me that it was too late and that I better have it paid by Friday or I was not going to like the end result and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX and about 3 years ago I lost my job. Well I was concerned and call PNC which is my current mortgage holder, and asked them if I can apply for a loan modification. Well after the 5 time trying I hired a lawyer, XXXX XXXX, out of XXXX IL to help me work with the bank. Well I 've been paying the lawyer about $ XXXX {$600.00} a month, because that is what he required, to help me settle something affordable. Well now I have sheriff 's coming to my home to evict me, without paperwork handed to me, social workers not willing to give me advise and the bank whom will not answer any of my calls. I have a wife with XXXX, my XXXX year old father-in-law, my daughter and her XXXX year old son. We have no date as to when to get out and again no paperwork or answers. I have tried calling PNC to see if I can rent out my home, nothing. i asked them where did the money go, nothing. I need answers please! We currently have the XXXX looking into XXXX XXXX to see what happen to all of my money that was supposed to go to fighting for our home. Then we find out it was sold, then sold back to the bank. No paperwork telling us what was going on and to top it off the lawyer never wanted to meet with us and or talk via phone, it was always " text me '' WHAT? And now we are losing our home. Why wo n't PNC tell us anything? Please help. My account number for our PNC mortgage is acct # XXXX and my contact number is XXXX. When the sheriff 's came they never gave us any eviction notices, we did receive a default but forwarded that to the lawyer. Again I do n't know when the sheriff 's are coming back and me and my family are not ready for this. PNC is the worst and I ca n't believe after several attempts to try to work with them they tell me well you ca n't afford it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance One is the collection agency used by the City of XXXX XXXX to collect past due accounts. They billed us for a previous-year tax issue which was resolved. XXXX agrees, and has sent us emails confirming the closure of the issue. Yet, Alliance One continues to robocall us twice a week. Each time I call them, I ask them to contact their client, and they refuse to do so. I also tell them to stop calling here, and that demand has been roundly ignored. XXXX XXXX also refuses to contact Alliance One, insisting that I request a statement or invoice to forward back to the city as proof that the account is still being pursued ( which they wo n't do ). Neither entity seems particularly motivated to end this. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, 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 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I settled a debt with XXXX XXXX XXXX XXXX XXXX and filed a complaint with CFPB because they had not updated all three credit bureaus. At the time Experian showed the debt as settled and the other XXXX bureaus did not. After XXXX XXXX XXXX informed Experian, they updated the status of this debt to " legally paid in full for less than the full amount '' as requested, but now they note on my credit report every month a simple NEGATIVE for this debt that was settled in XXXX 2014. 

No specific reason is given for the recurring NEGATIVE on this debt. I wonder if this practice is in accordance with the FCRA, and if this continual NEGATIVE mark is retaliatory and is harming my credit rating unfairly. 

I would like this account to show that it was settled nearly two years ago, and request that these continued NEGATIVE marks be removed from my Experian 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 non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did n't change my address, some one change my address and open a XXXX under my name,

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 2017-03-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I called and asked my account representative and the account supervisor to withdraw money from my account. I asked to withdraw {$8000.00} and to leave my annuity in place. I was told to speak with XXXX XXXX, Supervisor. He told me that Morgan Stanley did not want to do business with me. I asked him to send the money to the name and address on record and it was not sent. Two days later, I called XXXX XXXX to ask to pick up the check from a local location and I was told that the account was de-linked and that I had to wait. When I asked her how long she could not tell me. As of today, XX/XX/2017, I have not heard from Morgan Stanley and do not know when I will receive my money.

Company response to consumer: Closed
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My insurance premiums are based in part on my credit score. My most recent premium statement showed a drop in my credit score from XXXX to XXXX and a drop in rating from XXXX to XXXX. This results in a higher premium. As instructed, I have contacted my insurance company and XXXX. I was told that they only know what Experian tells them. I was able to get a copy of my credit report. I was not able to submit a dispute, because the information on my report seems to be correct. It does not however, seem to support the reasons for the reduction in my credit score. I am going to contact my agent, and start another lap trying to get information that no one seems to have.

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 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
Unknown and I have never had business with this company.

Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: MO

Complaint narrative:
The last XXXX months I have had issue with Statebridge Company, XXXX receiving my mortgage payment in a timely fashion. Once I even sent it XXXX day priority mail and it did not show up until the XX/XX/XXXX. This month I sent it with enough time to be received and to date they have not processed the payment. I believe they are trying to gain late fees on my account along with the others that I see in the list of complaints against them. They told me they can not guess what the post office will do but going from XXXX to XXXX CO should not take 9 days. I believe they are sitting on payments and only processing them when someone calls them to complain. This is not good customer service and I can tell you that they do not care. I know this based on the last conversation that I had with the young lady. She said why did you not mail it on the first, I stated I had to wait on my payday and she said well you need to give XXXX business days for us to receive it so if I get paid on the XX/XX/XXXX and mail on the XX/XX/XXXX then I will be late because XXXX business days is around the XX/XX/XXXX of the month. That is not an acceptable answer and surely they have enough people to process the loans that they have purchased from other financial institutions. I tried for a week to contact them to set up ACH and could not even reach a customer service XXXX Now I want to refinance and know the value of my home is not in a position that I can do that. So frustrating to deal with incompetence and them to tell you its the postal service does not work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a problem with XXXX and Experian they both keep sending me the same response need more documents. I have sent them countless of these attached proof of identity to these companies and they still ignore to dispute any of my disputes. it has been over XXXX to XXXX to a year that they are ignoring my disputes. XXXX has been the worst I called someone on the phone and I asked them about the dispute of that Bankruptcy XXXX on my report. they said it has been stuck in the system for while and it has n't been disputed. So i asked them to take it off because it has been over a 5 months and they refused. Experian just sends me letters of needing more proof. 
Also they have XXXX different names addresses on my credit report that do n't belong to me.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and Experian is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that XXXX shows this account was included in our BK and that Experian removes the lates from XXXX that are in error.

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 2017-03-20 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 has failed to comply with federal and state of California consumer laws. 
Experian has violated sections 611 and 609 of Fair Credit Reporting Act.

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 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, our XXXX was XXXX under Chapter XXXX by the Bankruptcy Court in the XXXX XXXX XXXX Florida. Said mortgage was recently sold to Statebridge Company, LLC. on XXXX XXXX, XXXX. 

Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA " ) and Fair. Debt Collection Practices Act ( " FDCPA '' ), I am attaching a copy of the bill received as well as a copy the Bankruptcy discharge. 

I am requesting that Statebridge Company, LLC reflect our Chapter XXXX Bankruptcy discharge on our account.and abide by the law. 

Thank you. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation