vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
XXXX certified letters within a 60 day period to Account Resolution Services has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Account Resolution Services purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Account Resolution Services. and myself, signed by me, stating that I have a contractual responsibility to Account Resolution Services for the alleged debtsXXXX.Provide proof that Account Resolution Services is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Account Resolution Services. Account Resolution Services can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Account Resolution Services of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded.

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 2015-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Apparently my mortgage was sold to Carrington Mortgage Servicing by XXXX XXXX XXXX. I have received NO correspondence of any kind from Carrington and I am outraged. I have no loan number, no information whatsoever. I have called them on 4 separate occasions ( XXXX ) XXXX only to hold for customer service for 36-58 minutes when the call was disconnected. I have never been so angry in my life, this is absolutely ridiculous.

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

Complaint narrative:
The subservicing company I pay my mortgage to recently changed. 
I had been working really hard to find out how to do it. It felt like not providing me with the necessary or helpful information was intentional as time passed. I actually learned facts that were essential for the process from a friend. I was planning to have an appraisal done ( with XXXX XXXX XXXX XXXX ) to cancel the PMI when I was notified of the change. The new company, LoanCare, LLC is ignoring all my requests. They say they did n't receive my initial email request and subsequent emails are bounced back as undeliverable. I have yet to speak with anyone but a receptionist who disconnects calls when transferring to insurance dept. They say all over their website that multiple inquires may prolong the process. Yet the process never starts. I believe this is intentional. I 'm sure XXXX people like myself are eligible for PMI termination. But this is free money for them so OF COURSE they do n't want anyone to cancel it early, never mind helping them to do it by providing information. 
I am really really angry. I HAVE NO CHOICE about who I pay my mortgage to. And they know it and treat their customers like garbage.

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 2015-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
Our home mortgage was sold by XXXX XXXX XXXX Bank to Carrington Mortgage Services, I believe in 2012. The website will not let me access my account at this moment. 

Our payment with XXXX was {$1700.00} Including P & I, Hazard Insurance & Property taxesOur payment with Carrington is {$1800.00} Not clue what this payment includes because I have no signed ( by myself or my husband ) paperwork from this company. 

When Carrington bought our mortgage it raised our payments without our consent or prior knowledge. 

I did call Carrington when I noticed the jump in payment, only to be told that it was to cover our homeowner 's insurance. At that time I offered to pay the amount out of pocket, to keep our payment the same as it was with XXXX. Carrington stated they could not do that, after transferring me to various people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington Mortgage Services failed to send my billing statement after purchasing my loan from XXXX, if you google 'complaints against carrington mortgage ' on just one site you will see a heading of XXXX complaints about this and foreclosing on people who had never been late. My loan is my Veteran 's Home Loan and I notified VA Secretary XXXX XXXX in XXXX, his staff advised me to contact you for help. I have attachments. It cost me {$35.00} to overnight my payment timely to keep them from pulling this stuff on me, XXXX dollars was for faxes. XXXX XXXX Veteran XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I received my Property Tax that I have n't paid my taxes but my lender has an escrow set up to pay the Property Tax. The lender send me a Tax Analysis showing XXXX payments were extracted from Escrow and it was overpaying the Tax, in which my Mortgage would go up by XXXX. The Property Tax has not been paid. They show they have deducted funds from my escrow. They over deducted and they have inaccurately processed a tax analysis. I 've faxed, Called them for almost a month with no success to assist me. They 've done nothing. I have all my documentation, faxes, dates and who I 've spoken with. They are taking money, overcharging me a new mortgage payment and my Property Tax has a penalty fee and has not been paid.

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 2015-11-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Frederick Hanna and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with Frederick Hanna than the defendant in all cases?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was transfered from XXXX XXXX XXXX effective XX/XX/2015. I did not recieve notification of my account being transfered until 7 days prior to my due date. That is against CFPB guidelines. 
I made my XX/XX/XXXX and XX/XX/XXXX payment online. For whatever reason something happened on there system and the payments did not come out. I have asked to speak to a manager every month since XX/XX/XXXX, I have yet to speak to anyone in management, nor has one called me back. Nobody has tried to assist me, nor have they provided me with my request of the written notes on my account. Every represenative that I have spoken with is rude, they talk over me and always refuse to allow me to speak to managment. I have yet to speak to anyone in managment nor has anyone called me back. I want all my calls to be listened to and I want this to be rectified or I will be seeking Attorney representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I am writing to dispute the following information in my credit file status. Loan Care Servicing Center a mortgage company reported the sale of the property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full or less than the full balance ) to prevent/avoid foreclosure. I am requesting removal of inaccurate information/description reference foreclosure in status remarks on credit report.

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 2016-11-02 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: NV

Complaint narrative:
I contacted Rash Curtis & Associates and asked to have some invoices sent to me via email of all the accounts that I have with them. They told me they did, when they did n't. I asked to have the dispute comments removed and they advised that they would n't remove the dispute comments until I paid them {$5000.00}. I asked to pay XXXX account that was in dispute and they advised that even if I paid, they would n't properly report it to the credit bureaus because they are aware that I am trying to purchase a house. XXXX XXXX at Rash Curtis then told me the following : " you should have paid your bills and thanked the doctors that helped you '' This statement has caused severe emotional harm to myself. XXXX then advised that it is a curtosy to have the dispute comments removed and she was n't willing to do that for me until I paid the {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
ATM card stolen. Bank refusing to limit liability.

Company response to consumer: Closed
Consumer complaint received 2017-03-02 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: Newman, Hesse & Associates, P. A.
State: KS

Complaint narrative:
I supposedly wrote a bad check at a grocery store for my guess is around 100 $ in the year 1999. The garnishment order states that XXXX grocery has a garnishment order against me represented by debt collectors Newman and Hesse in XXXX Ks in the amount of XXXX, XXXX $ I was never informed or given anything to contest this issue. I think the garnishment order is way outrageous and I was n't given notice of any sort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
This company keeps sending letters to my house and calling me before XXXX and after XXXX stating that I owe money due to non payment from progressive however, on numerous occasions I 've sent letters and disputed this information from my file because everytime I ask that they validate this debt they ca n't provide me with sufficient answers. They are very rude, and have been threatening me with lawsuits. I know that this company has insufficient proof to report on my credit report. I have not received any documentation on the debt validating that is in fact mine he told me he could not provide me with those documents because he was n't in control and I had to speak with the company who referred me to them. When I called the company they told me I had to deal with Caine and wiener in which I call everyday to try and get this account removed from my credit report. I believe that Caine and wiener are now in violation of the FDCPA for not complying with my request to verify debt and upon receipt I want this account immediately removed from my credit report. This company uses fraudulent practices to try and intimidate people to pay these non existing debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Let me start by saying that my wife is pregnant with our XXXX child and due any day now. The undue hardship that this has caused us is beyond words. This complaint is against Nationstar Mortgage. XXXX XXXX XXXX service released my mortgage and sold it to Nationstar on XXXX XXXXXX/XX/2015 XXXX did not notify me of this. I was scheduled to close on the sale of the home on XXXX XXXX, XX/XX/2015, but had to cancel XXXX due to Nationstar refusing to send me a payoff quote form. I spoke to XXXX different " supervisors '' and was told a different excuse by each one. In XXXX years, I have never been so much as late for a payment and now these banks are taking advantage of me. All I need is a simple payoff request form faxed to me in order to be able to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling

Company response to consumer: Closed with explanation