vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: OK

Complaint narrative:
We rented an apartment from the XXXX ( located XXXX, OK XXXX ) from XXXX XXXX to XXXX XXXX. The lease converted to a month to month agreement. In XXXX XXXX, we ended our lease after finding a larger place for our family. Over time, we decided to review our credit reports in hopes to find a home. We noticed a collection agency ( called NCC Business Services ) claiming we owed a debt of {$900.00} under a joint account. XXXX of XXXX we contacted the XXXX and spoke to an agent named XXXX who verified a cleaning fee was due in the amount of {$780.00}. I asked why documentation was never mailed to us giving us an opportunity to pay on the bill and the breakdown of the cleaning fees. The agent claims she did not work at the apartment complex during the time of the ending of our lease and was unable to provide proof of the breakdown of charges. She advised she would forward the information to corporate and will have them send the breakdown of charges to our current address ( the same forwarding address left on file ). To this date we have yet to receive any documentation from the corporate office or a phone number where they can be reached. The collection agency still shows this entry as being an active open account on our credit reports which we feel is quite unfair since we 've never been informed a bill was owed in the first place. We feel since the apartment complex, their corporate office, or the collection agency are unable to provide any documented proof of these charges, we would request this debt be removed from our reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services did not follow thru on the HAMP modification that was applied for thru XXXX XXXX. They stated that the 3 month trial period would be as long as 10 months because they were too busy to look at it from acquiring too many loans from XXXX XXXX XXXX. XXXX XXXX XXXX approved a trial HAMP for three month sold the loan to Carrington Mortgage Service before the first payment was received. A good bye letter was received but no welcome letter ever came. Every month required a phone call to Carrington to make the trial modification payments which were XXXX more than the regular monthly payment. Numerous calls to Carrington with poor or inaccurate information have occurred. Carrington ultimately denied the modification due to liens they stated were attached to the property. The liens are not attached to the property and Carrington did not provide accurate information on the phone. Carrington will not apply over 6 months of full payment to the outstanding balance and have cause a determent to credit scores and ability to get out of this situation. Carrington did not try to obtain clear title just stated there was not a clear title. HAMP guidelines require the lender to do everything reasonable and necessary to obtain clear title to approve a HAMP modification. This did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This company has XXXX 3 ) accounts on my credit report -- XXXX, XXXX, XXXX believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of these accounts from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am getting threatening calls from someone who claims to be associated to Ace Cash Express. They left me a voicemail from a blocked caller ID stating that they would be coming out to my home or place of business between XXXX and XXXX the following day and that they needed to leave me the voicemail for their safety. At that time, they did n't tell me who they were, they only left a phone number. The recording requested that my Supervisor be present. They left a phone number to contact XXXX. When I contact the phone number they implied that I would be facing charges for theft of services and check fraud. I was scared to death. However, I knew this is not legal practice in the state of Texas. I was also reading online that there is a scammer out there claiming to be associated to Ace Cash Express that is attempting to trick people into believing they are the debt collector and people give them money to prevent the harassment, only to find out the debt with the original debtor was never paid. I am concerned about this and I am pretty sure this is n't the end of their contact. I am concerned that the threats may become more aggressive or that they may actually show up on my doorstep as they have threatened and that would be terrifying. I just wanted to make others aware of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I arrived at BBVA Compass Bank on or around XXXX XXXX to apply for a home loan. I was greeted by XXXX XXXX. She asked me my financial situation. I told her. I also let her know that I do have rental houses in an XXXX, and they are not in my name. I was then asked to wait a few days so they can determine if I will qualify for the loan program. 

On XXXX XXXX I received an email from XXXX XXXX stating the following : -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX : XXXX XXXX, 2017 XXXX Subject : Question To : " XXXX ; Cc : XXXX just said as long as you do not reside in your rental ( s ) then you are completely eligible for the no PMI program we discussed. 

Sincerely, BBVA Compass XXXX Mortgage Lending - Mortgage Banking Officer Mobile : XXXX Fax : XXXX, AL XXXX I let her know that I do not reside in my rentals. She told me everything was good to go. I received a phone call about a week later stating the underwriters want to know why I am buying a {$90000.00} home and not a {$200000.00} home. She then requested for me to send her in writing why I am buying a {$90000.00} home. I wrote the letter and faxed it over to her. 
She called me a few days later and stated that the underwriters do n't believe that I am going to be using the home at XXXX as my primary residence and they denied me the loan. When I requested that information in writing for the basis of their decision, they sent me the explanation that is attached which is for review. 
The reasons they denied me have no ground, bc the State Tax Lien was put on my credit in error and I have letter from the director of the State of Alabama stating that, so they released the lien, but it still shows on my credit. The other reasons are completed inaccurate b/c I lived in my previous home for 9 years, owned multiple cars and trucks, and have loans in my name. They also stated that my account balance does n't exceed my credits, which is completely false again. My credit balances are around {$15000.00} give or take and my account balance is over {$23000.00}. 
After going back and forth with them over the past two days and trying to reach out to certain people over the phone, I sent an email to XXXX. I have also attached for your review showing the response and why I am being denied, which is based on their " guidelines '', which I have not received anything in writing that they are claiming is in the " guildelines ''. I have waited over 2 weeks for this loan to go through. Since then, the rates have gone up and I am being denied for a loan that I clearly qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: SC

Complaint narrative:
Frederick J. Hanna & Assoc. P.C. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: N&S Partners
State: CA

Complaint narrative:
The first person to contact me was a man pretending to be a process server. He said there was a complaint filed against me. When I checked on line I found no such complaint. When I called the number he left, a woman answered with very abusive and threatening language towards me. She said she was going to sue me and that I was a liar. She yelled for several minutes while I tried to reason with her calmly, but I finally had to hang up because she would n't stop yelling and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My loan was transferred to loancare from XXXX. I started receiving notices in the mail my direct deposit was no longer active. I called the delinquent payments department, i got a gentleman after about a XXXX minute wait, he had a good demeanor and took my payment and also setup my auto draft bill pay. 2 weeks later i am getting delinquent notices in the mail, i check my bank account, no money was ever taken, they are threatning to take my house, mind you i have never missed any mortgage payments before. I called back and they said they can take payment and could see that the auto drafting was setup but it never went through, so I said ok can i please set that up now? They said sure and transferred me over to customer service. I sat on hold for XXXX hours ... no one ever came, i could hear the phone beeping to keep me on hold until they finally hung up on me. I called back the next day to the delinquent department and asked about the customer service wait times, they said they are very backed up, i asked If i could please be transferred or if they lady could kindly walk over to a desk of a cust service rep as i waited on hold for XXXX hours and got nothing, she got mad and said no i cant do that! I then sat on hold for another XXXX hours on hold waiting for a rep that never came. I still have no bill pay setup and now I need a morgage statement from them to get approved for a loan on another house and I know I will no get it. a terrible company that is impossible to get a hold of unless you need to make a delinquent payment. Then I tried to do it all online, that was terrible! I tried setting up the auto bill pay, and getting a copy of my statement, every option led to : the option is unavailable : CALL CUSTOMER SERVICE -- --

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
XXXX sold my loan to Carrington I am in the process of refinancing and after several attempts XXXX and myself have not been able to get my payoff from Carrinton. 
How do we go about them giving us a payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage broker constantly sells my mortgage. This has been an administrative headache on my end. I refinanced with this mortgage broker, and the buying/selling happened again. I inadveratently sent a payment to one of the preceding companies that had my mortgage and now they wont refund me my XX/XX/XXXX mortgage payment. They keep saying it is being researched and it is in the " cashier '' deparment. I paid them ~ {$2200.00} on XXXX XXXX and it is XXXX XXXX. This has caused a major financial burden as my mortgage payment needed to still be paid for XX/XX/XXXX, and now I am due for XX/XX/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 2017-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
i want my pmi to be removed.i am sorry i was cliked on applied for a loan i am not

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 2015-07-21 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: FL

Complaint narrative:
I have disputed XXXX collection accounts from ARS collections company. I received notification that it has been removed from my credit report. A week later it was placed back on my credit report without notification from the credit bureaus or the collection company. I have written letters to the collection company asking to validate the debts and they still are unable to provide me with proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
On XXXX I made an online mortgage payment to Carrington Mortgage Services. On XXXX I was informed that the payment was returned from my bank, so I made another payment and stored my routing number and checking account number. On XXXX i was again contacted by Carrington, who informed me that the payment was returned and that I " must have put in the wrong number. '' And, that I was turned into the credit bureau. I talked to another person on XXXX who verified, that I indeed had the correct information stored. I filed a complaint with the client advocacy department who said they would investigate -- received a phone call back, could not understand the return phone. So I have owned the home for almost 10 years, 8 1/2 which was with XXXX. Never, ever had a late payment. it is impossible to get through their main number so I go through XXXX. So the Carrington rep. on XXXX verified that the correct info. was stored, so they said they would pull the phone call. In the meantime, the only late ( false ) mortgage payment ever reported to the bureau. Plus, when I made the payments on XXXX and XXXX electronically, I received a confirmation email saying the payment was made. I believe they are committing fraud and need to be investigated because i see many other complaints online about them for similar reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-29 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: CA

Complaint narrative:
Company is XXXX of XXXX, TN and Healthcare Revenue Recovery Group ( HRRG ) of XXXX, FLHRRG phone number is XXXX is with XXXX XXXX XXXX HospitalXXXX XXXX XXXX XXXX XXXXWhat Happened : I went to urgent care on XXXX/XXXX/XXXX and paid the {$20.00} co-pay required by my health insurance, XXXX, to XXXX XXXX XXXX Hospital XXXX. In XXXX, I received a notice from debt collection agencies XXXX of XXXX, TN and Healthcare Revenue XXXX Group ( HRRG ) of XXXX, FL saying that I owed {$20.00} as payment for the " physician 's fee. '' Prior to that time, the only invoice I received for the treatment was from XXXX XXXX XXXX Hospital where the urgent care is located. 

In several calls to XXXX and HRRG, I explained that I had already paid my co-pay and I 've been told repeatedly by the collections agents that " it does n't matter, you owe the money. '' They have refused to send me an invoice or any explanation of the need for the XXXX co-pay. 

I have checked with XXXX who 's confirmed that I owe only XXXX co-pay of {$20.00}. On XXXX/XXXX/XXXX, I sent a letter to HRRG explaining this, providing proof of my healthcare benefits ( and thus the co-pay ) and a copy of the payment made to XXXX XXXX XXXX Hospital. XXXX has said that this is an issue between the physician and the hospital and I conveyed that to XXXX and HRRG in my calls. 

On XXXX XXXX, XXXX, I received another notice from HRRG saying that I still owe the {$20.00} for physician 's services ; the letter did not acknowledge my letter of XXXX/XXXX/XXXX. When I called HRRG on XXXX/XXXX/XXXX the agent with whom I spoke again refused to send an invoice and could not clearly explain the need for me to make a payment to the physician. She was rude, interrupted me and when I asked about my letter, she simply said, " It does n't matter, you need to pay. '' No other explanation was given. 

If this is a real debt, there should be no hesitation in their providing copies of the invoice and a written explanation that responds to my letter. 


Resolution Requested : As resolution, I would like assistance with getting HRRG and XXXX to clear my debt and the record of my debt as I do n't believe I owe it. In addition, I would like for XXXX of those companies to stop contacting me about this debt. 

I would appreciate confirmation of your receipt of this communication. I 've sent under separate cover ( via fax ) copies of my letter to HRRG, my medical insurance benefits evidence and proof of payment of my co-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX/XX/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Our mortgage loan has been perpetually 2 months behind for a year while being serviced by XXXX. While obviously not ideal, we have been paying a full month each month. We received notice from XXXX last month that our mortgage has been sold to Carrington mortgage services and this is where our trouble started. It is now XXXX XXXX with no payment info, no mortgage number, no communications from Carrington. So we called to make our payment and the rep refused to take our payment if we didnt pay at least 2 months immediately. Refused to connect us with a supervisor claiming his supervisor was too busy so my husband left a message with no reply. I felt this had to be illegal and so I looked up this company. They are apprently scam artists and I am unclear why they are allowed to continue doing business in America. 
I am not willing to allow some scam company to foreclose on my home because they thought they bought a mortgage ready to be foreclosed on. 
The rep claims our mortgage states that we are required to always be current because it is an FHA loan, which is the most ridiculous statement ever. Of course you are supposed to pay on time but when you lose the only household income and have no income for nearly 2 months, catching up is newrly impossible. XXXX was understanding and happy to collect the month payment we were able to make every month. 
Our loan doesnt qualify for modification as it is only 2 years old. So all the financial hardship options are unavailable to us. 
I am unclear why this company would be set on foreclosing a home where the owners are trying to pay them and why they would be forcing a home into foreclosure when they literally just purchased it. If they dont want to service the loan they never should have bought it. 
Looking up their record, it obvious there has been no consumer protection agency taking action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

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