vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
This is my second time putting together an investigation about this situation I am having with a collection company. I have decided to write a Original Creditors Dispute to whom NCC Business Services has claimed they are collecting for. My situation is that I stayed in the XXXX and I moved out in XXXX/XXXX/XXXX. The Apartment Complex was brought out in XXXX/XXXX/XXXX. I in turn sent the old apartment complex owners XXXX XXXX XXXX. So, that either one the old owner are new owners to see who has hired NCC Business Services to collect on a past due debt. No, one has taken the time out to contact me on behalf of the debt after I have sent both Apartment Complexes a certified letter asking them to give me the information on whom owns the right to collect on this debt. I sent my XXXX letters XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX XXXX. No, one has responded back with whom has the right to collect on this debt and whom hired NCC Business Services to collect on this debt. It has been over 30 days since my letter went out. I need to know what is really going on wit this debt. Because NCC Business Services really do n't have the right to collect on this debt unless it is proven by either XXXX XXXX XXXX or XXXX. I am going to provide the letters I sent out to both the Apartment complexes with the certified letter information. And recording as well to listen to on what is being talked about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
This company has not provided verification of this debt. I previously reported this account through Consumer Financial Protection Bureau and they remove the account from my credit report. 

This month they re-reported the same account. I also have a collection bill from another company XXXX XXXX XXXX trying to collect the same debt. 

They are falsely trying to collect this debt and re-selling it. I do not owe this amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have an FHA 203 ( k ) loan for a major home renovation. My original bank sold the servicing of the loan to LoanCare. We have submitted a draw request which was subsequently approved so a check was mailed. Unfortunately the check bounced. It has now been 4 days since I notified the bank and there is still no resolution. My Contractor has written checks to pay the subs that have done work on the house and now those checks are bouncing. Not only does this affect my Contractor, but now he is losing credibility with the subs and impacts their desire to want to continue to work on my project which will delay my project causing me to have to pay more months of mortgage than necessary. Please help.

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 2015-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.

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 2016-11-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I am requesting your assistance with Lender, Carrington Mortgage Services. At the present time they are proceeding to move forward with a sheriff sale when the borrower and realtor has submitted all required documents upon learning what was required. The documents were submitted and acknowledged received by XXXX, a represented of Carrington Mortgage. The documents were confirmed on XXXX XXXX, 2016. I was told that the file was waiting to be assigned to negotiator AND the negotiator would call with the formal introduction. After not receiving a call and/or email, another call was placed XXXX only to learn that on XXXX Carrington denied due process of the short sale because there was not enough time to review and they were proceeding to foreclosure. I requested a postponement of the sale but this was denied by XXXX. She also, denied a short sale review after the foreclosure sale date citing that unless a full payoff was received during the redemption period thru their attorney, no further communications would be had. I believe that this is unjust with their refusal to fully review the file - especially since the hardship began with the death of the primary borrower on the loan. The death certificate and all documents were received by Carrington months ago with an appeal for a modification due to long term hardship - which was denied without a written document ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a personal checking account with BBVA Compass bank located at XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, and when using my ATM card on a purchase one day, my card was charged overdraft fees after the ATM authorized transaction fees exceeding the available amount in my checking. I disputed the fees and received no help. When I attempted to close the account, the bank was uncooperative and hassled me by USPS to pay the fees putting the account in default status. I have read this article- XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, my mortgage was acquired by Carrington Morrgage Services, XXXX, California, from XXXX Mortgages. Since the acquisition, I have had nothing but unanswered problems. Beginning XX/XX/XXXX, my escrow payment was raised from approximately XXXX per month : XXXX of which was/is PMI, to XXXX. Carrington explained that XXXX was to cover a projected escrow shortage and would only continue for 12 months. My home owners insurance was XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX. My tax was XXXX both years. I had no escrow shortage from the previous year ( XXXX-XXXX ). I requested an escrow analysis to explain how I could be XXXX short on my escrow when total payments from escrow for taxes, PMI, and insurance XX/XX/XXXX-XX/XX/XXXX would be XXXX and my escrow payin was XXXX ( a potential shortage of XXXX ). I received no answer and the woman was very rude. I have now paid XXXX to my escrow account from XX/XX/XXXX-present. Despite the 12 months time line, I am still paying the extra XXXX per month. My taxes, PMI, and insurance this year totaled XXXX. I have called XXXX times and requested a full escrow breakdown. I have yet to receive XXXX. I have absolutely no idea what my additional payments of XXXX have gone towards. In addition to this, Carrington has begun holding an overage payments I make towards principal. They hold it in an " unapploed funds account '' as a " suspense balance ''. Currently, I have XXXX in this account. I have been told they will only move those money if my account is current. Oddly, my account has been current, the funds have not been applied. I assume I am paying interest on my XXXX of principal balance. I exhausted with this company. My minimum payment rose from XXXX to XXXX, and XXXX per month raise is substantial for me as a single mother. I have paid almost XXXX to escrow this calendar year, all that has been paid out of my escrow is XXXX in PMI and insurance, yet my most recent statement shows an escrow balance of XXXX. How?!?! I can not get an answer. My XXXX requests for full escrow breakdown resulted in XXXX rude conversations with XXXX different reasons why I am paying almost XXXX per year to escrow and NO escrow breakdown. A year and a half in, I still have never gotten an escrow breakdown. Nor have I found out when and where my " suspense balance '' is applied. Please help, I beyond frustrated. I can not afford to continue paying XXXX per month on a loan of XXXX with a fixed 6.5 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I leased a car from US Bank initially on XX/XX/XXXX. 
The lease is close to maturity and I wanted to exercise my options of either buying the car from the Bank or trading it to a dealer to get another car. 
To make that decision, I wanted to know the ( 1 ) payoff quote that I would pay if I bought the car or the ( 2 ) the amount a dealer would have to pay US Bank to arrive at the trade in value of my car. 
I called US Bank on XX/XX/XXXX and again on XX/XX/XXXX to get that information. I spoke with XXXX of US Bank at XXXX at XXXX. While they gave me my payoff price they refused to tell me how much the dealer would have to pay them to payoff the car. I asked to speak with their supervisor. I was kept on hold for XXXX minutes after which I was told that the supervisor will not talk to me. 
They maintained it was their policy to not let the consumer know what the dealer would have to pay to payoff the car. As a consumer, it is important for me to know how much the dealer would have to pay the bank so that the dealer does not manipulate the trade in value of the car. 
Citing an unknown, unwritten policy which I have never agreed to, US Bank refused to let me know the dealer payoff price. I, as the consumer and customer of US Bank, who initially leased the should have a right to know the dealer payoff price. US Bank is clearly running a scam along with the dealers to rip consumers off. 
I am writing to seek help from the CFPB to have US Bank provide the dealer payoff information for the car which will impact my trade in value. I also request the bureau to implement rules to prevent banks from engaging in such hideous policies so they can not run such scams with dealers against consumers. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I received a letter from XXXX the holder of my student loan, that they transferred my loan to a company called Firstmark Services. I was given contact information and a address for where to send my payments. I registered on their online student loan account, but saw no activity or an account set up for my XXXX student loan. I called Firstmark Services to inquire about my student loan account after I sent a payment to them on XX/XX/XXXX and saw no activity on line. I was told by a loan specialist, XXXX that XXXX never transferred my loan to Firstmark Services. 

I told XXXX that Firstmark Services cashed my check on XX/XX/XXXX. I asked him if the money was never applied to my loan account then where was it applied, he said he did n't know. During the conversation he agreed that I needed a refund for the payment, because it was never applied to my student loan account, because I did n't have one at Firstmark Services. Since XX/XX/XXXX I have tried to work with XXXX to obtain a refund for the payment that was never applied to my account, because I do n't have an account with Firstmark Services. 

XXXX does n't return my calls. He claimed that he put in a requests for a refund on XX/XX/XXXX, but as of today I have received no check from Firstmark Services. I tried to call XXXX but was unable to get pass the automated system to speak to a live person. I have been making the payments to my loan with the previous company, XXXX who XXXX transferred the loan to first before tranfering it again to Firstmark Services. 

i need to get a refund from Firstmark Services for the money I sent to them that is not being applied to my student loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending
State: FL

Complaint narrative:
this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: E*TRADE BANK
State: OK

Complaint narrative:
Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from E*TRADE and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the E8Trad loan. I never received the Capitol Gain, but did pay taxes on it. XXXX XXXX XXXX XXXX has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you

Company response to consumer: Closed
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Academy Mortgage Corporation
State: UT

Complaint narrative:
I entered into a real estate purchase agreement with XXXX XXXX in XXXX 2015 and was asked to use their preferred lender Academy Mortgage. During our due diligence period I met with XXXX XXXX of Academy Mortgage and was told that we were pre-approved for the purchase of the home. During that escrow period as the home was being built Academy informed me that they were not financing the home anymore. When I confronted them about the pre-approval and what changed they stopped communicating with me. XXXX XXXX the broker for XXXX XXXX who also committed to representing me in the transaction and is XXXX XXXX 's brother brushed the transaction aside to protect his brother. When confronted about the pre-approval that they both referenced in conversation with me they denied its existence. So our lender XXXX Mortgage gave a bogus pre-approval and then the paperwork is conveniently lost. And our realtor who confirmed the pre-approval and his confidence in closing the home because of it denies its existence and can not find the paperwork. 
I went to XXXX other lenders and everyone said that the pre-approval was garbage, I am self employed and the business is less then two years old ; so any pre-approval would have been drastically out of industry standards. 
We are out 8 month of time and {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending
State: TN

Complaint narrative:
I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation