BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My credit was affected by the poor business practices of LoanCare, the mortgage loan servicer for XXXX Mortgage. Below is a brief summary of the most recent incident. LoanCare systemically engages in obstructive, if not downright fraudulent, business practices, resulting in late payment fees and negative impacts on credit scores. I have paid our mortgage without fail every month since we bought our home XX/XX/XXXX 
Monthly, we pay our mortgage by scheduling online payments through our XXXX Bank checking account. At some point, LoanCare changed our mortgage account number ( without notifying me XXXX, resulting in the XX/XX/XXXX payment being returned electronically to our XXXX Bank account XX/XX/XXXX. LoanCare did n't notify me that this payment was returned, so I thought our mortgage payments were being applied appropriately. Instead, the account appeared to be missing the payment XX/XX/XXXX. Further, the amount of the monthly mortgage payment increased over the summer from {$2600.00} to {$2700.00} ( also without me being notified ), so not only were subsequent mortgage payments being applied to each previous month 's mortgage, I also then needed to pay the difference in the new monthly amount as well as late fees to rectify this. Because the monthly loan amount increased, and LoanCare wo n't apply payments unless they cover the entire monthly amount due, LoanCare then held {$2500.00} without applying it to my account, thus charging me further late fees. LoanCare did not have the correct mailing address or contact phone number listed on my account, and had my wife 's phone number listed as the contact, even though she is not on the mortgage. After spending much time talking to various call center employees and supervisors to figure out why LoanCare was n't accepting my mortgage payments, I paid ( again ) the mortgage payment that was returned XX/XX/XXXX, as well as the difference remaining after the monthly mortgage amount was increased, plus late fees of {$430.00}. I asked LoanCare, ( in writing : XXXXXXXXXXXX ), for these late fees to be refunded and a letter sent to the credit report agencies stating that my account is paid as agreed with no late payments. I also updated ( again ) our mailing address and contact info, and asked that I be immediately notified if there are any subsequent changes to the account. After waiting several months for a reply, LoanCare stated that they would not refund late fees and would not send a letter to the credit reporting agencies showing that my account has always been continuously paid in full, on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our Arizona home and settled our outstanding loan balance. At the time the real estate taxes debited from our escrow account by LoanCare had not cleared with XXXX County ( {$1500.00} ) and so we had to pay the full amount at the time of settlement. We informed LoanCare that their check for the real estate taxes was never cashed and requested a refund. I tried following up with XXXX county to expedite the return of the funds to LoanCare, but as LoanCare had written the check, the county tax department could not help me. I gave LoanCare the details to follow-up with XXXX county on XXXX XXXX, XXXX. I followed-up with LoanCare customer service numerous times by telephone ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and three times on XXXX XXXX, XXXX ). Each time I was told their tax department is handling it and I would receive a call back. Each time I waited 20-45 minutes for a customer service representative to answer the phone. I 've asked several times to speak to a supervisor, but am put on hold and then disconnected. I simply want the funds owed us returned, but regardless of how often I call I make no progress on receiving the money owed us by LoanCare. Please advise how I can proceed, as I need the funds to pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from one company to another in 2015. I sent two payments to Loan Care in Virginia and they have failed to submit the payments on to the new servicer which is XXXX XXXX XXXX. I have dealt with this for a very long time patiently. I need proof that they sent the money as XXXX XXXX XXXX says have n't received it.

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 2016-05-25
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.

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 2016-10-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I submitted documentation from Santander agency verifying I had paid off an auto loan in 2012 trading in auto and paying balance of loan of loan more than {$9000.00} ; to date this is reported to XXXX as a {$17000.00} charge off significantly affecting my credit. Twice I have submitted documents supporting the auto loan paid in full and it was to be corrected by XXXX XXXX ; this was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Cooling & Winter LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. 
I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My wife and I are senior citizens own a significant jumbo Certificate of Deposit with BBVA Compass bank in XXXX XXXX Texas with a term of 16 months paying 1.21 %. We received notice on XXXX XXXX 2016 that the CD would automatically renew with a new interest rate unless we advised them differently. The letter advised us to call them on the date of maturity or within the 10 day grace period and they would adise us on the new rate. So the required action was with us. 
We forgot to take action by the time the CD matured and the grace period lapsed. When we did remember, we discovered that our previous rate of 1.21 % was replaced with a rate of .2 %. We complained to the bank manager and he stated that he would talk with the regional manager to see if the rate could be adjusted. The next day he advised that my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-05-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # 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 2016-03-17
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently.

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 2015-09-03
Company: SUN LOAN COMPANY INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Sun loans company keeps calling my place of employment, when i cant except calls there.calling my friends and family also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: NCC Business Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. 

They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I cashed a check at US Bank in XXXX, CA and found that {$100.00} was withdrawal on XXXX/XXXX/XXXX from our checking account in XXXX XXXX, CA. Fraud was committed! 
I spent 3 hours with my local branch and did not receive a resolution after talking with the chief officer, XXXX XXXX. 
The whole matter could have been resolved if she had checked my wife 's signature on file with that on the counter withdraw slip issued in XXXX XXXX on XXXX/XXXX/XXXX. 
My wife did not withdraw the {$100.00} because : 1. We live in XXXX, CA which is almost XXXX miles away from XXXX, CA. 
2. Non-stop flight time is 1.5 hours ; much longer for driving time : my wife does not drive! 
3. Scammer negotiate the withdraw around XXXX XXXX and earliest that he ( she ) would be in XXXX would be very past XXXX XXXX. 
4. We checked out at XXXX XXXX at XXXX XXXX and at XXXX at XXXX ; XXXX XXXX see receipts. 
5. We did not go to either US Bank on XXXX/XXXX/XXXX. 
5. Comparing the two signatures : fake and real : Fake : loop on XXXX is on the left ; rise from XXXX is up, slope on XXXX is slanted up ; XXXX is wrong : should be XXXX ; XXXX is run together, XXXX does not match. Real signature is the opposite. Check the enclose sample of both documents.

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