vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accessing business accounts via internet the Monday morning there is record showing the account holder having logged-in right after XXXX, Sunday morning ( ~ 32 hours earlier ). NO money had been moved out of the accounts. 
Only one PC is used for online banking, no mobile devices, no accounting/financial software interacts with online banking, and only one user with access. Log-ons are registered by user, and the likely reason that this " unfamiliar '' log-on was noticed - and which has never occurred before. 
Go to the local branch office, and they contact their online banking and fraud depts.. This is the first time it is confirmed that we did indeed not log in ( i.e., our profile had not been used for the log-on ), but it was recommended that all accounts be closed and new ones opened. More than an inconvenience in itself, but my problems start when I insist that I want to know more about the log-on. Why treat symptoms when the cause of the ailment is unknown. 
Among the many bank representatives I have spoken to over the last two weeks I have repeatedly been told that this was caused by mobile apps or bank system updates or financial software logins, but incidentally, more than one of these reps. have happened to mention that they do not see the particular log-on from their side of the system?? This I would have thought would ring alarm bells with a bank, especially when I am sitting with proof ( a screenshot ) that shows their own system having made an entry on our account profile that tells us that the user logged into the accounts/ account profile at this particular time. The screen shot was initially shown to the branch rep. who initiated the closure of the accounts, and it was later forwarded to the bank 's online-banking dept. ( attention one named person ). 

Why do I pursue this? Simply because I do not know what the log-in event represents so why set up new accounts, and with the bank not being able to even see the log-on event, they are in no position to explain it ( yeah, right ). The owner of the system is clearly in a position to tell what triggered a log-on message to be left in the account profiled. But, I am expected to accept that they will not explain what happened ; I shall just remain ignorant and set up new accounts - and blindly trust the bank in spite of this event? 
A system update event has been provided as the most common explanation by the reps., but not one rep. has confirmed that they are being overrun by customers calling because they all have found log-on events because of a system update.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. 

The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. 
We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. 

Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Garden State Check Cashing Service, Inc.
State: NJ

Complaint narrative:
I transferred money through XXXX and never received my money in return

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
On my credit report it states that I owe more than what 's actually owed. I called the debit collection agency they stated that they just rounded the debit off.

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 2016-05-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CARD Corporation
State: TX

Complaint narrative:
On XXXX/XXXX/16, I filed a dispute and was told I would get dispute form within XXXX hours. On XXXX/XXXX/16, I called because I still had n't gotten form. Was told to wait until XXXX/XXXX/16 and the number to fax form back would be on there. It was not on there when I received on XXXX/XXXX/16. I called and was given fax number. I sent form back and received confirmation. On XXXX/XXXX/16 I called to confirm, they say they still did n't receive and to refax. I sent again and on XXXX I called back and they claim they still did n't receive even if I had gotten confirmation back. I requested supervisor to call back because this was crazy. On XXXX still no call from supervisor, so I called backed. I put up such a fuss I was transferred to CSR Supervisor who informed me that the previous reps had been giving me the wrong fax number. I faxed to number they gave me and I also faxed the XXXX previous confirmation pages as well showing that I had been faxing just in case they say I did n't fax back within 10 days. Time still had passed and they claimed I did n't fax information back in time for provisional credit. They told me I had to wait 45 days for update. Now the 45 days have came and I still do n't have my refund or even a status update. I requested a Supervisor call twice and no Supervisor has returned my call. The reps are very unprofessional and wo n't even attempt to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash curtis & associates called me this morning between XXXX and XXXX. I spoke with them and explained the situation then they called again before noon harrasing me and not letting me explain the situation saying that i did not understand the meaning of the word rhetorical. What this has to do with it i am not sure. So i disconnected the call. More than XXXX contact with me in less than 24 hrs is a violation of fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I would like to report Carrington Mortgage for multiple reasons. The first for harassing me with numerous phone calls each month about my mortgage payment. I typically start getting phone calls around the XXXX of each month when my payment is not late until the XXXX of each month. I am an XXXX wife who currently does not live in my home since my husband services his country. I rent my home and must wait for rent proceeds to make the payment. I have always paid my bills in a timely manner. This is depicted in my credit score of XXXX. I also get verbally abused by customer service when I ask why I 'm receiving phone calls. They said your payment is due on the XXXX and we call until you pay the bill even though it 's not considered late until the XXXX of each month. The next issue is I 'm trying to set-up my account to make online payments since they are charging me {$5.00} each time I make a payment via phone. They would not allow my husband to use his bank account even though his name is on the loan. I had to transfer the rent proceeds to my account and now I ca n't gain access to make a payment online for some reason. They are taking advantage of customers by not easily allowing them to gain access to their online payment system, so they are forced to make payments where they enjoy a {$5.00} speed pay fee each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I got a notice from my current mortgage servicer, XXXX XXXX XXXX, that they sold off my mortgage to a new servicer called Carrington Mortgage Services. I know that by law the new servicer is supposed to notify me in writing 15 days before the transfer and it is now 5 days after the transfer and I still have n't received any communication from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

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 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I had been working with Carrington Mortgage company since XXXX 2015 on a mortgage loan. I had been pre-approved for {$170000.00}. I was working closely wiht the mortgage loan officer. We finally got a closing date of XXXX XXXX, 2015. On XXXX XXXX, 2015 the mortgage loan officer called and said they needed a few additional days as XXXX of the loan processors was in the hospital. My realtor had me sign a extension contract, extending the closing for XXXX days. XXXX days after the extension was signed I got a call from the mortgage loan officer telling me I would not be getting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Since XXXX XXXX I have attempted to do a modification with the mortgage company, Carrington Mortgage. We have submitted documents numerous times and have received numerous letters stating that they had not received documents when we could prove via emails that the documents were sent. In this process my home has been in foreclosure and I hired counsel to help with that situation and the bank continued to move forward with the foreclosure and ignore the request for modification. Finally my attorney advised the Court that the bank was attempting to foreclose on the home at the same time the homeowner was requesting a modification. That the bank continued to ignore the modification. Finally after contacting the Florida Attorney General Office and working with them Carrington forwarded me a modification. 
At the time of the default I became XXXX overnight by a sever XXXX called XXXX and within the next year or so may be placed on a XXXX list. It has placed me on XXXX and has taken my income from over {$50000.00} a year to now only {$17000.00}. I have been an XXXX for almost my whole life. 
When I applied for the modification I explained to the bank that I was not able to pay the {$1400.00} payment per month and request a payment reduction. When I received the modification offer they sent me a payment of {$1400.00} per month. I was under the impression the modification was supposed to help homeowners not insult them. 
Second once I began to review the Carrington monthly statements I noticed that the statement had almost {$10000.00} of fees that were being added for " mold treatment '' and field XXXX fees '' and numerous other things. My home is made of Cedar and would not require any mold treatment and no one has ever been to my home on XXXX XXXX, XXXX to treat my home for mold at the cost of {$5600.00}. 
I am currently considering bankruptcy due to this modification but a friend suggested that I contact your office. Carrington has spent months coming up with every excuse to not provide me with a modification, and then offer me a modification payment of more than the original mortgage and more than the 31 % of my income. My wife works but we do not bring in the amount of income we did when the home mortgaged. I have lived in this home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I noticed that I see Credit Acceptance on my credit report but I never encounter making a deal with them on a car. I recently received papers on being sued for a car that I never acknowledge that was mine. They provided a copy of the paperwork that was signed and my name was signed but I never had a car. I do n't understand what is going on. After receiving threatening calls ; I had to change my number because the harassment kept continuing after i told them that I did n't sign for a car. Since changing my number the calls have been coming again, but now they are using a " Blocked '' or " Private '' number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, my accounts payable department notified me that a canceled company credit card in my name was accruing finance charges and late fees. They said that Compass would deal only with the account holder and that I had to call personally. I called and spoke to a CSR who verified that the charges were resulting from a {$2.00} charge that had grown to {$65.00} by the time of the statement date ( XX/XX/XXXX ). It appears that it 's been growing at the rate of about {$20.00} per month. 
Apparently, the {$2.00} began as a " rewards '' check sent to our company for using the credit card. Naturally, accounts receivable cashed the check along with all the other checks we receive from customers each month. Subsequently, Compass rescinded the check ( we 're not really sure why and do n't understand their reason ), which then generated a charge of {$2.00} on a credit card that was verified to have been closed and inactive. Because of this, we were n't monitoring the account closely. When the amount rose to {$65.00} on a closed account, it caught our attention and this was how we learned about the reversal of the rewards check. 
I asked the CSR for a supervisor who verified the narrative, but said she was unable to reverse the charges. I told her that this business practice ( sending a minuscule Rewards Check, rescinding the check, converting to a liability, and then accruing disproportionately large penalties ) was liable to entrap most businesses and their consumer employees. She decided to conduct some research and get back to me several days later. When she said that there was nothing she could do other than sympathize, I told her that I was going to file a complaint with the state regulator. Amazingly, she suddenly found the ability to reverse the bogus charges and close the account. I 'm filing this complaint today because I believe that they are using a predatory business practice that intentionally defrauds customers, deflects them when they complain, and only relents when threatened with a complaint to the regulator. Since most business customers will never catch such tiny amounts and most consumer employees do not have the time or wherewithal to pursue this discrepancy, the likely result is that they will generate a windfall of revenue with relatively low risk of apprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
GM Financial XXXX XXXX XXXX XXXX Arizona XXXX office is XXXX XXXX and XXXX XXXX their customer service XXXX in XXXX XXXX to the present account # XXXX they continues to call my home and my cell phones XXXX and five times day and night we only have XXXX more payments remaining of {$2000.00} to make on our vehicle and we have spoke to several representatives over the phone numerous of times letting them know about our financial hardship and my wife is very sick and she is fighting with XXXX and she has been out of work from XXXX XXXX to the present it appears they do n't care, when we make our payments we also include the late fees to but that 's not good enough for them. I would like for them to stop calling and harassing us everyday and nagging us we will continuing to make our monthly payment until the loan has been satisfied we never once said to them we are not paying our loan It appears to be that they do not know what they are doing from the representatives to management all they care about is harassing their customers for every nickel and dime they can get. Thank you very much for looking into this matter and I can be reached XXXX - XXXX - XXXX.

Company response to consumer: Closed with explanation