vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
I have contacted Rash Curtis & Associates on 5 separate occasions about XXXX accounts, I dispute having knowledge of, that they have placed on my credit. 

I am referring to accounts numbers XXXX and XXXX. I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the accounts belong to me when they do n't!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I live in XXXX, CA and my loan servicer has changed 4 times and I can not finalize a loan modification. The current loan servicer is Carrington Mortgage Services and they have violated my homeowners rights. My attorney has filed a complaint outlining XXXX causes of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
I went on XXXX this morning and there was a change to my account that XXXX had sold an account to XXXX Collection. I have been disputing the validity of the debt with XXXX, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT. XXXX has done this with XXXX different account and is practicing deceptive methods to try and get issues resolved. I have never heard from falls, nor have they sent me anything with and account number or validation. I will dispute this to court if need be s this is quite illegal how they are practicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a 15 year cash-out refinance loan from BBVA Compass Bank back in XXXX XXXX. The loan processor I was working with was XXXX who is the only loan processor for BBVA Compass in the XXXX, TX area. The loan went through the motions and was approved around mid to late XXXX. By late XXXX, the loan was set to close and I was even given a closing date of XXXX XXXX, XXXX. One day after this information was given to me, XXXX contacted me to inform me that at the last minute, my loan had been " red flagged '' due to high loan fees and did not pass compliance. She went on to state that my loan 's fee were above the 3 % limit set for the state of Texas and that there was nothing that she could do to lower my loan 's fees ( in fact, she blamed compliance, stating that they were unwilling to corporate with her ). As a result, she said that my loan was now in limbo and that it would never have a chance of closing. 

Therefore, I was forced to find another lender and start the process over again. Upon doing so, the new lender notified me that my credit score had now gone below the limit needed for a cash-out refinance and recommend that I transfer some of my credit card balances in order to quickly raise my score. Therefore, I had to transfer {$3500.00} in old debt to a borrowed credit card in order to meet the balances needed for the re-score. 

I feel that XXXX was incompetent in the handling of my loan and had she done her job correctly it would have closed as scheduled. Not once during the loan process was I told that their might be issues regarding the fees, nor was I ever told that the loan might not close at all. I feel that BBVA Compass should take some responsibility for XXXX actions as she represented herself as an experienced loan processor who has been in the business many years and has handled all types of loan situations. Her experience obviously did not show during my loan process as she often seem confused and was totally lost when the issue of the high loan fees came about. In fact the new loan officer questioned the fact that no effort was made to waive or reduce a fee in order to meet the 3 % threshold. As a result I am asking that BBVA compass pay at least half of the balance transfer, {$1700.00}, which I would not have had to pay had the loan closed as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bbva compass will not remove the XXXX fees from my account after someone tried to use account Date : XXXX/XXXX/2016 From : XXXX XXXX To : XXXX XXXX Account : Savings XXXX Time : XXXX Reference ID : XXXX Memo : I am unable to issue dispute under account XXXX 1. Amount of change {$38.00} x XXXX NSF 2. Posted date XXXX/XXXX/16 & XXXX/XXXX/16 3. Merchant name XXXX 4. Reason for dispute ( cancelled services, onetime payment, etc. ) This transaction is not for me this is not my insurace carrier I never initiated services with them 5. Your current mailing address XXXX Fl XXXX 6. Your phone number XXXX 7. Preferred method to receive the dispute paperwork ( by mail, fax, or email and provide such information ). email 8. Have you attempted to contact the merchant to obtain a refund? Yes I contacted this merchant initially on XXXX/XXXX/2016, and was advised there was no way to provide me any information as the SSN provided, Drivers License number, address, and also the DOB provided does not match my information. The merchant explained I need to contact my bank. 
9. If so, what date and what was their response? XXXX/XXXX/2016 I was advised there was no information t CloseDelete Reply

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
By XXXX XXXX, 2016, we had made full payment to be applied to our XXXX payment due XXXX/XXXX/2016. That money has been in the hands of LoanCare ( a subsidiary of XXXX, which is a subsidiary of XXXX XXXX, which is owned by XXXX XXXX XXXX ) since XXXX XXXX, 2016. I called LoanCare XXXX on XX/XX/XXXX and spoke with " XXXX '' XXXX XXXX. XXXX who said the XXXX money would be applied within 2-3 business days to the payment due on XX/XX/XXXX. I called two or three days later and talked with " XXXX '' Agent No. XXXX who said that the money would be applied by XX/XX/XXXX with nothing additional due for XX/XX/XXXX. On XX/XX/XXXX, not seeing that the money had been applied to the XX/XX/XXXX payment, I called and spoke with " XXXX '' Agent No. XXXX who said it would be done by XX/XX/XXXX. I asked why now it was XX/XX/XXXX and her response was she could n't speak for someone else. I responded that she had my previous calls in the call log and she agreed. I asked for her supervisor and was sent to " XXXX XXXX '' Agent No. XXXX who said it would now not be applied until XX/XX/XXXX.I said I was just told XX/XX/XXXX and he had no justification for the additional time. I asked for his boss and he called her " XXXX XXXX ''. I asked for her agent number and he said she did n't have one because she was a supervisor. I responded " Are n't you a supervisor? '' He had no answer for that. He said there was no point in talking with her because she would say the same thing. So they have had our payment since XXXX XXXX and have yet to take care of it. And spew XXXX while speaking with their client.

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 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I requested a copy of a check I wrot against my second mortgage ( line of equity ) with PNC bank almost 2 months ago and have been getting nothing but the runaround. I 've spoken to XXXX ( XXXX ) different individuals and they all would say they 'll look in to it and call me back, but they never do. I 've left XXXX messages for XXXX XXXX XXXX at XXXX XXXX XXXX to no evai. I 've begged him to at least return my calls regardless of whether he has any information or not. But, no phone calls from nobody from PNC so far. 
They are sure quick to call when the monthly payment is a day late, but not when you want something from them. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX filed for garnishment of my wages and my company was served on XXXX XXXX XXXX. Full payment was made on XX/XX/XXXX to XXXX County Superior Court. As of XX/XX/XXXX Cooling & Winter LLc has not requested the funds from the court. Full payment was made to the court and they still have the money because Cooling & Winter has not requested dispersment. Item is still showing on my credit as open and is greatly affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My home loan is serviced by a company called LoanCare, LLC. My loan closed on XXXX XXXX of 2015. LoanCare claims that it began reporting my home loan to the credit bureaus 60 days after the loan closed. However, to-date, none of my credit reports from XXXX, XXXX, and XXXX reflect my home loan. I have contacted LoanCare twice by phone and three times via email ( at their request ) to resolve this reporting issue. I was contacted around XX/XX/XXXX and told that the issue had been resolved, and that my home loan would begin to appear on my credit reports on XXXX XXXX, and that I would be called and emailed to confirm that the numbers were reporting. It is XXXX XXXX, I have received no call nor email confirmation, and my credit reports are still void of any home loans. This issue has become particularly taxing because it prevented me from obtaining a competitive interest rate on a recent auto loan. In addition to that issue, my parent 's, who were co-signers on my loan, have also not seen this home loan appear on their credit reports. Recently, when trying to purchase a home of their own, they ran into multiple speed bumps in the process because the mortgage company could not account for my home loan on their credit reports. Their mortgage company, XXXX XXXX XXXX XXXX, called LoanCare, LLC to inform them of the problem. LoanCare 's response was that they have been diligently reporting the loan since XX/XX/XXXX. Since LoanCare is clearly not competent nor capable of reporting my loan information so that it appears on my credit reports, I am requesting forcible action from the CFPB so that I may receive the correct credit score that I have earned, refinance my home, and obtain competitive interest rates on other loans.

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 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Our loan was acquired by LoanCare on XXXX/XXXX/16 and transferred to them on XXXX/XXXX/16. Our complaints related to this company are as follows : 1. We did not receive a welcome letter because they used an incorrect address. 2. Since the transfer, we have requested cancelation of the escrow account in writing. Other than an acknowledgement of the request, we have not received a response. We have over 20 % equity in the subject property. 3. We have requested in writing a full accounting of the escrow fund and an out of standard analysis, but have not received a response. Our prior mortgage company 's escrow accounting shows an $ XXXX refund to the escrow account for improperly procured lender-placed insurance, but LoanCare shows no record of that refund and says it is " lost in wirespace. '' 4. Despite providing proof of coverage in writing and having multiple conversations with various representatives and supervisors about our existing coverage, LoanCare continues to threaten that they will procure lender-placed insurance and continues to request that we provide proof of coverage, in an apparent error that is unable to be corrected. Also, the automated line is still advising that payments for hazard insurance are being made from the escrow account, so they must in fact have proof of coverage. 5. We are receiving conflicting information on flood insurance. On XXXX XXXX, XXXX representative names XXXX told us that part of our escrow payments consists of {$170.00} in flood gap insurance. We are not required to carry flood insurance based on our flood zone. On the same day, a different representative in the insurance group named XXXX said the entry is a " XXXX XXXX XXXX '' and is a " dummy '' entry and that we are not paying for flood gap insurance. She could not explain why the other representative had such specific information about the payment being made out of escrow.

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 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Virtually since this loan 's inception about six months ago, our lender, LoanCare, has refused to recognize our initial mortgage payment and apply it against our principal. I believe their claim is they never received our check. We have provided proof by means of the ACH tracing number personally and via email from our bank that the payment was processed through XXXX XXXX. Despite my efforts and numerous emails to LoanCare, their employees and a supervisor, they will not adjust our account and statement to show the initial payment. Months later they still allege we have not made the payment. The supervisor I have emailed has not provided, as I requested more than once, her superior 's name ( s ), so I can take this to the next level. I have also requested via the company 's portal that someone contact me. Absolutely no response. That was over a month ago. 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 2016-09-16 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: URS Holding, LLC
State: TX

Complaint narrative:
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: FL

Complaint narrative:
I applied and was accepted to the XXXX XXXX through XXXX XXXX. The letter explicitly states that " We have reduced your XXXX XXXX XXXX account and XXXX XXXX account by 100 %. '' Yet I received a letter from a collections agency in the mail this morning for an outstanding balance from them. It is completely unlawful to send an official letter stating that no further billing will occur and then send it to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: MD

Complaint narrative:
I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company
State: NC

Complaint narrative:
This debt was paid direct to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation