vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I received notice from Carrington Mortgage Services, LLC of my ineligibility for a home loan modification program because my Request for Mortgage Assistance ( RMA ) was received after XX/XX/XXXX the last day of the program. See document 1 and 7 This is not true I XXXX the form with current documentation to Carrington MS , LLC, XXXX, Ca. on XX/XX/XXXX. It was received XXXX XXXX on XX/XX/XXXX and signed for by XXXX XXXX. See document # 6. <P/>I was denied assistance because the Debt-to-income ratio calculated from the information I supplied in the RMA was not in the required range. See document 5. I spoke with XXXX at Carrington on XX/XX/XXXX and determined I had put the HELOC monthly payment used to calculate the ratio on the wrong line causing it not to used n the calculation of the ratio. I appealed the decision using an estimate of the reset HELCO payment based on information from the current economy. The HELCO lender would not provide the new payment amount. I filed CFPB complaint # XXXX to get the amount from the lender. I in order to file the appeal by the deadline. <P/>Just after I filed appeal the HELCO lender provided the amount 2 days later. See document 2. I spoke with XXXX of Carrington asking how I could get the new information included in the appeal I just filed. She said do n't worry she would send me a new application. I had my doubts about using a new application so I enclosed a letter explaining it included the new HELCO payment information with lender documentation since the Appeal was denied because of documentation. see document 3 and 4. <P/>This new application sent by XXXX must have been interpreted as a second attempt to apply for a modification when all I wanted was to include the newly received HELCO lender documentation and amount in the with the appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: NC

Complaint narrative:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - and their response to my request to VERIFY was that they have already sent me something to verify this and that they would not send me anything further. I have NO IDEA what this is based on the dollar amount or the name XXXX XXXX XXXX. I do n't recall receiving a statement or a bill from XXXX XXXX XXXX. Despite what this creditor is saying in their letter - I do n't know what this is and do not beleive that i have received anything in the mail from them AT ALL validating what this debt it. I have attempted to request this information THREE times now, and I have had enough. Wthin 30 days of reveiwing my report I have spent the last almost SIX MONTHS attempting to get verfication. This letter is the FIRST communication to my knowledge. this item has to validated. this is incredibly suspicoius. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc.
State: OH

Complaint narrative:
I am in the process of building a new home. My lender discovered this debt from a previous XXXX on my account with a collection. I do not owe this money, but I paid it anyway to clear it from my credit report. I contacted the collection company on X/XX/2017. Almost immediately I received notification from the XXXX  office stating the collection agency contacted them and I can call their office for payment. I contacted the XXXX office that day and made payment over the phone. I then notified the XXXX office and the collection agency that my lender needs a letter from the collection agency ( since they are the now owners of the account ) stating my name, account number, balance owed, with their name address on their letterhead. I have requested this everyday since then, and they even refuse to respond to my request. They have just ignored me. I even contacted the dentist office back and have asked if they could help, and they ignore their request as well. No correspondence from them what so ever. This is potentially costing me several thousand dollars in possible interest rate hikes, delay in breaking ground. I feel I have been patient enough for a bill I did n't even owe in the first place. They responded immediate when I wanted to pay my bill, and now will not even respond to me or their client. I have done what I am supposed to do and this bill of {$260.00} is costing me thousands because of their disregard. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I sent a western union in the amount of {$290.00} to A friend in XXXX and When they sent me a picture of the receipt I realized that only {$190.00} of the money was received. I was prompted to investigate why the full amount was not delivered and I decided to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with Equifax Conf. # XXXX I got a letter with the Credit File Date of XXXX XXXX 2017 this letter indicated that the dispute was completed and the results of the Dispute indicated that all three  collection accounts resulted in being deleted from my credit report being Acct # XXXX, Acct # XXXX and Acct # XXXX However only two of the three accounts were removed from my credit file and account # XXXX still remains on my report after receiving this letter I called and the only option I was given was to file a new dispute. I believe this is a direct Violation of my rights based on the fact they all ready sent me documentation that the account was removed when in fact it still appears on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in May directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. Furthermore this SAME account number is on my credit report TWICE. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a mortgage with Wells Fargo for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XX/XX/XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. <P/>I have been paying consistently on this loan and expected that it would be satisfied in XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XX/XX/XXXX. <P/>At the time of the loan origination Wells Fargo had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. <P/>I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. <P/>I have issued complaints to both parties. Wells Fargo does not acknowledge any ownership in this. They believe XXXX XXXX is at fault. XXXX XXXX does not respond to the complaints. Wells Fargo has since severed their contractual relationship with XXXX XXXX which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/>Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. <P/>CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads XX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX and XXXX , XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} XXXXXXXX in fees to consumers and pay a {$5.00} XXXXXXXX civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. Deceptive advertising has no place in the financial marketplace, said CFPB Director Richard Cordray. Todays action is delivering relief for consumers deceived by XXXX and XXXX, and sending a clear message that these practices will not be tolerated. <P/>I will continue to file complaints until one or both of these parties provide the information that I am entitled to. <P/>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 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My account is never up to date my bank info is never correct can you please fix this asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

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 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA sent me a letter dated X/XX/2016 stating they received a response to a billing dispute for a charge from XXXX XXXX for {$430.00} which they stated was a valid transaction based off documentation received from XXXX XXXX. This transaction is being used to deem a larger credit card fraud claim my responsibility as well. <P/>The problem with this response from USAA shows they did not accurately investigate the billing dispute. They must have not even looked at the reply from XXXX XXXX or they would have spotted the immediate errors : * Dispute was for XXXX, documents received show two charges for {$74.00} and {$120.00}. These do not add up to the amount being disputed which was a single charge and not two charged. * The documentation received was from XXXX not XXXX XXXXy * The documentation showed receipts for a sale which took place in Florida * The documentation states the bill was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL * The receipts show a card swiped with a different # and being issued to XXXX XXXX XXXX not me. * The signature in no way resembles the one they have on file for me * The supplied Tracking numbers should have shown this merchandise was never intended for or sent to me. <P/>Despite the overwhelming evidence this charge was not performed by me or even mine, USAA held me responsible for it saying they investigated it fully. This charge is now being used in a credit card fraud billing dispute USAA decided to reverse a year later in violation of the consumer protection time frame to finalize billing dispute. USAA states their investigation showed I was responsible. One of the reasons being I have a XXXX XXXX rewards number. I 'm unsure what that has to do with it, seeing as this charge obviously was not mine. Having a Rewards Number does not automatically make me responsible for any charge from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I began reviewing my credit report and have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. I sent a second round about a month later, again some items were addressed and some were not. I sent the attached letter directly to a company by the name of XXXX XXXX XXXX. I believe in response to this letter - XXXX XXXX XXXX sent me the attached letter deleting my file and to my understanding deleting this from my credit report. Now, I have received this letter from Central Credit Services. Referencing that they have been asked by XXXX XXXX XXXX to investigate a debt - and WITHOUT PROVIDING ME EVIDENCE THAT THIS IS MINE are attempting to coordinate a payment plan. I have several account numbers that I 'm looking at and everything is getting confusing. NEITHER creditor is validating that these items are mine. The dates do n't make sense. The locations do n't make sense. I have always had health insurance. I have NO IDEA what this is and quite frankly i am sick and tired of asking. It appears as though this account is being bounced around from creditor to creditor. Regardless- i need clarification on ANY & ALL ACCOUNTS that either one of these creditors " say '' belong to me. I am asking for proof as constituted by the law ... which means something bearing my signature, or a contract in my name. This is a waste of my time, energy and 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 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I signed contract for XXXX membership in XXXX XXXX, after 5 and half hours revising the term, XXXX forgot to write my address in the contract so they added the address in the contract after signing the revised contract, after getting to hotel I realised the contract is not in English and my two down payments transactions {$2800.00} and {$320.00} ( {$3100.00} ) is only {$2100.00} so next day I called XXXX to cancel the contract I was told to Dispute the charge and after getting the dispute from your bank we will cancel it so I disputed the charges on X/XX/2017 with Pentagon credit union and on X/XX/2017 submitted exhibits and drafted a letter explaining the situation via email to my bank, since then my dispute still in que and still nobody was assigned to it usually after submitting the Dispute in two days with name and phone number of person and within 10 days I get previsional credit and the dispute it may takes 30 days to resolve but according to Pentagon credit union had merger with other banks and they are backed logs and my dispute is setting there with nobody assigned to it ( X/XX/2017 ) and this is violation of our terms with Pentagon credit union, the bank canceled the credit card and issuing another one due to thinking that XXXX is commiting fraud because I paid {$3100.00} but in the contract only showing {$2100.00} and term is written in XXXX and XXXX are waiting for my bank to submit the dispute to cancel the contract, but no dispute had been send to XXXX yet.

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 2017-06-30 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN LOAN Acct # XXXX Ocwen Loan Servicing is reporting inaccurate and damaging information to XXXX. The above account appears on my credit report but I do not have that mortgage. We spoke with XXXX onXX/XX/XXXXand sent a letter for investigation, We spoke with XXXX onXX/XX/XXXX and sent a letter for investigation. Letters were sent to the research department the research department in XXXX and XXXX but there was no response. The item must be removed from my credit report.

Company response to consumer: Closed with explanation