vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington Mortgage is trying to charge for any payment for a mortgage other than an automated payment. I have never missed or been late for a payment and make them online. I do not wish to use their automated payment system as I do not want my information stored on their servers. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc
State: NC

Complaint narrative:
This company will not identify themselves and continue to call repeatedly threatening legal action. They have called more than 20 times in the last 2 weeks. They have also called my father and left threatening voicemails.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2017 I requested my free annual report from all XXXX reporting companies. Equifax and XXXX refused to issue the report stating they could not verify me. I had moved and also I have not had any debt on my report in years. I could not answer any of the questions Equifax asked- none of them. Both XXXX and Equifax sent letters to my current address requesting additional proof of identity, which I did and sent by certified, return receipt mail. XXXX processed my request, however Equifax has not replied. It has now been over 2 months since the request was made and proof of identity submitted. I have the return receipt stamped as received by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: AR

Complaint narrative:
I have not been contacted about this negative balance. I believe its through Alpine Credit or XXXX. This account was positive before I closed it and I do not understand why its still negative. I would like to get this issue resolved immediately because it is affecting my credit score immensely. I have had no debt collector call me or any mail correspondence delivered to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: The Castle Law Group, LLC (Closed)
State: UT

Complaint narrative:
This is an update to Complaint XXXX. It turns out that in addition to XXXX XXXX XXXX, XXXX, there was a law firm who was the actual Servicer regarding our foreclosure. The law firm was the Castle Law Group, LLC., f/k/a XXXX XXXX XXXX XXXX , of XXXX , Colorado . This firms 's XXXX office was closed by the Colorado Attorney General 's office for questionable Mortgage related activities. The firm has opened another XXXX offices elsewhere in Colorado and at this time can only be contacted at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Colorado XXXX, XXXX. I received this information through a response from a Utah State Bar Complaint against one of the XXXX XXXX XXXX attorney 's involved with our foreclosure. The local attorney 's ; XXXX ; and this Colorado law firm with held this information. 12 U.S.C. 2601 ET. seq., was not followed. I 've also found out that although the State District Court Judge verbally ordered my wife, kids and myself to vacate our home, a Written Order was never entered into the State Court System as required by Law. There was no entry into the State Court System Computer to back up the Judge 's Order. The Case still shows that it is open. The paper Case file for some strange reason was destroyed this year. Can this case be re-opened. Thanks XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My mortgage was sold and servicing transferred and they are not honoring on the terms of the loan. They instituted foreclosure proceedings, then told me they would stop the foreclosure and modify my loan if I made three 'trial period ' payments, which I did ; However they did n't cancel the Trustee 's Sale, they merely postponed it until XXXX, and sent me a loan 'modification ' which is not a modification at all- it is a completely different loan. They said I should call my Dedicated Loan Specialist if I have questions, but I have called and emailed her every day for 8 days now and she will not return my call. If I do not accept this new loan by XXXX my home will be sold at Trustee 's Sale on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We completed a trial modification in XX/XX/XXXX that we were offered through XXXX. XXXX took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. XXXX sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. XXXX sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for XXXX to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. Wells Fargo is the noteholder and is refusing to honor principal or interest forgiveness. XXXX did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
I have been making my mortgage payments to Select Portfolio Servicing ( SPS ) on time, and often, ahead of time. My job requires me to travel to different locations for an extended period of time. I will pay the SPS mortgage payments ahead of time. It is not my intent to pay down the principal ahead of the amortization schedule. 
For example, I pay the Month 1, Month 2 and Month 3 payments in the same envelope with three different check. Each check is clearly marked with the month and year that it is to be applied. One will have Month 1, Month 2 and Month 3 dates on each check. SPS will receive the checks and process the Month 1 payment and then apply Month 2 and Month 3 to principal. SPS does this even though the checks and mortgage payment stub are clearly marked! 

I will have to call several times for SPS to correct each error. The payment stub is clearly marked that the payments are for three separate months. In some cases, it is for two months. This is not an isolated incident. This is their standard practice. I called multiple times and the customer service person assured me that they will mark my account to reflect the problem and it wo n't happen again. It happens again and again. 

One alternative is to do ACH debit. I do not trust SPS with an authorization to debit my personal bank. I have no idea how they will use the information. With so many problems with billing, they may take more than required due to an " innocent administrative error ''. 

I am requesting the CFPB intercede here and audit the payment application practices of SPS. I can log on while on the XXXX and see the status of my account. Then I have to call in and complain. I will wait a few weeks and they will fix it. Please see the attached letter from SPS that details the dates this happened. They code it as " Principal Only Payment/Curtail payment ''. The dates are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX XXXX. 
I pay attention to my statement and also have an XXXX degree in XXXX. I can spot this error. How many innocent people have had to pay late fees because of " administrative errors ''?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was billed for a deceptive offer on line and was offered a gift for taking a survey for a department store I frequent. The offer was for product with only shipping charges and I submitted my master card #. My statement reflected those charges on XX/XX/2017 but also to my surprise on XX/XX/2017 there were XXXX charges from the same company reflecting full price for product. I contacted my bank Santander XXXX card and they immediately cancelled card and issued a new one. Dispute was sent to fraud dept and in XX/XX/XXXX received a follow up letter stating we are denying your claim and to contact the merchant directly. When I contacted fraud dept, I was told that there was no fraud since I submitted my credit card #. I then contacted XXXX, company that submitted charges, and was told to drop the dispute and they would refund my account but my bank had to contact them by phone or mail to confirm that I no longer was disputing charges. When I called Santander I was told that was not their policy and would not contact XXXX and I was on my own. When I called the merchant, I was instructed to E mail bank letter and a letter stating why I was disputing the charges and a Refund Transaction ID would be sent to my bank. There was no credit following statement so I called Support XXXX was told that no credit would be issued since the bank did not consider fraud and would n't contact them by phone or mail. 
I have contacted Federal Trade Commission to inform of these charges and was issued a reference # for my case. I was also given a telephone # for your agency and dispute how the bank was negligent to pursue my dispute and how I was brushed off also by the local bank manager at my l bank in XXXX Ma. The RED FLAG for the fraud dept was clear since what merchant bills for shipping charges a month before the product charge. I would hope for Santander XXXX MasterCard to know that I am disputing and unhappy as to how they treated me to handle this on my own. I have stopped using card for any purchases and wont cancel till this matter is resolved by Santander and XXXX. I hope to hear that the bank has been notified about my complaint thru your agency.

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
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage payment has increased by {$800.00}. I only was notified when I called. When I asked for the details, I was advised that part of my increase was due to XXXX insurance companies being paid for my homeowners insurance. XXXX XXXX and XXXX. XXXX was distributed XXXX when I never was uninsured or agreed to the insurance. I changed my insurance form XXXX ( because the premium has increased to {$20000.00} a year ) to XXXX XXXX. Someone from Ocwen called me because they had received the request from XXXX to pay the {$20000.00} at that time I reminded the OCwen agent that my new policy was with XXXX XXXX. Ocwen should have never issued XXXX XXXX XXXX a check and advised me that I was was responsible for reaching out to them. Also I was advised that my escrow was in a negative of {$10000.00} but no one could explain to me in detail how my mortgage payment increased to {$800.00}. I advised Ocwen Manager/Supervisor XXXX that I could not afford to pay the new mortgage payment and advised if there was anyway to spread my escrow deficiency from 12 months to 24 months. XXXX advised me that " If you can not afford the payment, then you can not afford the property ''. I advised that this could lead to a Foreclosure. He stated he could send me a refinance application. I do n't think that I should have to refinance my home due to an escrow issue that was created due to Ocwen errors. This is an unfair and deceptive practice that Ocwen is engaging in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Rocky Mountain Recovery Group
State: WY

Complaint narrative:
A process server has come onto my property which is marked with multiple " no tresspassing '' signs. She claims that she was given permission to do so, she was not. She claims that the paperwork she needs to serve is in sealed envelopes so she does n't know who it 's from. She claims to work for Rocky Mountain Recovery and XXXX XXXX XXXX who claim to be attorney 's in Wyoming but no one has ever seen in a court of law. I have told her I will not allow her on the property with this vague information and she claims the order is signed by a judge which gives her that right ( how can she tell if it 's in a sealed envelope ). I told her if she tresspasses again I 'll have her arrested and seize her vehicle. I 'm also in the process of filing a restraining order against both of these companies as well as this person. She has harassed my son who is staying with me while he recovers from a XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-24 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: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
I received a call from ADR Group located in California ( XXXX ) XXXX. One of the clerks on the phone did not identify themselves.The clerk verified me by a last name I had not used since XX/XX/XXXX and last XXXX of my social then told me I owed {$540.00} to XXXX from an account that was open from XX/XX/XXXX to XX/XX/XXXX. I have not had an account with XXXX. I told the clerk that and she said it did not matter because she had my information and the debt was mine. She said they are going to take me to court and I can try to fight it there. I told her I live in Texas and the statute of limitations to sue someone for a debt is 4 years under The Texas Debt Collection Act. She seemed a little confused, and I told her they should be familiar with the laws for the state in which they are trying to collect a debt, even a false XXXX. She said it did not matter and I would have my day in court. I have received nothing in writing from this business. I spoke to a gentleman at the Texas Office of Consumer Credit Commissioner and he informed me for this business to attempt to collect a debt in Texas, they have to follow Texas laws and register with the Secretary of State and pay a {$10000.00} surety bond. He stated he could not find ADR Group having registered. I feel like this business is trying to bully me into paying for something that is not mine by using illegal tactics and I feel they might be doing it to others as well. I tried to contact the company again and they put me on hold and would not speak to me.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Solidus Group LLC.
State: IL

Complaint narrative:
I was called on XX/XX/2016 by a gentleman who left a very aggressive voice mail threatening litigation if they could not reach me. They did not leave any company name or case number. On XX/XX/2016 the same company contacted my son XXXX XXXX, who lives out of state, looking for me and threatening court action. The name of the company is XXXX XXXX at XXXX. Since I do n't owe anyone any money, and all of my debt was discharged years ago, I googled the number. From the on-line comments this appears to be a very aggressive scam operation. They will not provide any information on debt owed or their company and instead demand personal information including SSN. I have blocked them but am afraid other people may unwittingly be scammed.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-27 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX wire transfers were sent from my Citibank savings account in XXXX, XXXX & XXXX totaling {$80000.00}. Citibank 's fraud department contacted me on XXXX after the last transaction was made. I was notified on XXXX for a {$3000.00} purchase made using the Citibank credit card. It was not our purchase the card was cancelled and we received new cards the following day, but no one monitored the other accounts during the same days for fraudulent activity until the account was empty. XXXX from Citi 's wire department made it clear today that they may not be able to recover the funds and Citibank is not responsible since it was done through online banking with my login.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Accounts Service Team Inc.
State: MS

Complaint narrative:
i recently received a copy of my XXXX credit report on XX/XX/2017 from which a collection was added without receiving any written communication of the above debt, which caused my credit score to drop XXXX points..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAB Receivables, Inc.
State: SC

Complaint narrative:
CAB Collection continues to verify and report to the credit bureaus a debt that is a result of identity theft. The address where the utilities was set up is an address to which I never lived and I never authorized the transaction. I have a police report on file and have sent to all XXXX bureaus. The reporting of this account is not only inaccurate but it is causing me and my credit rating serious damage. I needed to let this go on record since CAB is n't willing to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&L Acquisitions LLC
State: OR

Complaint narrative:
Initial contact with this company was a letter threatening to sue me for a debt that is beyond the statue of limitations. This was confirmed by the inclusion of " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' that a previous collection company sent me in a discount offer. 
They also added {$260.00} to the alleged debt without any debt validation. 
I called the number on the letter and was chastised and threatened with legal action by a quite irate unidentified man unless I paid the alleged amount in full that minute.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation