vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have sent numerous letters, police reports and made number phone calls into in regards to the fraudulent U.S. Bank checking and savings accounts ending in : XXXX, XXXX and XXXX. These checking and savings accounts are fraudulent accounts that was opened by someone else who stole my personal information and identity. At the time these accounts was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation that I was incarcerated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank committed a possible UDAAP violation with their bill pay system. I utilized their bill pay system which stated that my rent check would arrive at my property management office on the XXXX. It was not disclosed that, although a paper check would be mailed, that it may not make it by that date. Thus I had no problem using the service and expected my check to arrive on time. However, the check did not make it on the stated date. I have now incurred a late fee and threat of eviction due to this. I called their bill pay department and explained the situation and requested reimbursement for the late fee. The agent handling the call stated that US Bank would not reimburse me for the late fee because they could not control the mail. I pointed out that the website had no such disclosure or I would have used another method or arraigned for the payment to arrive earlier. I further explained that I have used the method in the past and have had no issues with it. I put my trust in the method and now I can not trust the method. The agent still ignored my statements and argued that it was not a UDAAP, I was free to research the laws on the matter, and US Bank would not reimburse me.

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 2016-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
We recently got a home equity loan with BBVA Compass. On our first mortgage statement we were charged a {$320.00} appraisal fee. When we reviewed our HUD-1 statement we saw that that fee was to be paid by the lender in escrow. We called BBVA Compass and after an 45 minutes of transfers and hold time, we were able to get them to reverse the charge. My concern is that other people have been charged an appraisal fee after closing, and did n't know that they should n't have to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EMG ACQUISITION GROUP, LLC
State: CT

Complaint narrative:
None of the aboveMy complaint is that the CFPB Is eliminating my access to credit with its ridicules rules and in the case of XXXX XXXX XXXX, illegal actions against the industry. I can read, I know the law. I 'm a grown up. I can make my own decisions. Leave me and the industry alone.

Company response to consumer: Closed
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
I suspect a scam to prolong my PMI payments. I was advised that an appraiser will contact me in a month. It took over 6 months to get an appraiser scheduled. Then once completed, with a 25 % debt to value ratio, I was denied. It is now being reviewed, and it will take another 2 weeks for the results. Culprit Loancare - Escrow, XXXX, VA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unique Management Services, Inc
State: NY

Complaint narrative:
There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
This complaint is new but related to our earlier complaint # XXXX. That complaint was lodged against XXXX Mortgage because it appeared that they were paid off by our new mortgage company in a refinance. I have discovered that XXXX did not receive the payoff as our loan was sold just prior to that event. The new mortgage servicing company for just a few days was LoanCare. LoanCare is the company which should have sent us the funds that were held in escrow for taxes and insurance. We finally received a check from them today, XXXX XXXX, 2016 but it is short {$46.00} from the amount shown on our last monthly statement. We are under the impression that escrow money is not something a company can just take any part of for themselves, but dedicated to payment of the homeowners ' taxes and insurance. Additionally, I ca n't imagine what they removed that amount of money for as they were well aware that they had purchased the loan on the first of XXXX, 2016. We have attached documents which clearly show what happened. Thanks, XXXX and XXXX 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 monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Account Resolution Services failed to comply.

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 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My mortgage loan was transferred to LoanCare XXXX from XXXX Bank on XXXX. As of XXXX I still have not received any information from LoanCare on how to make any payments on my loan. After I contacted my old servicer, XXXX, they gave me LoanCare 's website and my new loan number for LoanCare. After using this to log on to LoanCare 's site, LoanCare will not honor the full 15 day grace period in my loan documents, and insists on charging extra fees to process payments after the XXXX day. In addition, I have written an email to LoanCare and called and waited on hold for 30 minutes before I was hung up on. I have still received no response from LoanCare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA Compass provides a service called XXXX. XXXX allows customers to send payments to others via their email account or phone number. On XXXX/XXXX/16 I sent a payment of XXXX to a friend. I was charged an additional XXXX fee. I called customer service on XXXX/XXXX/16 to inquire about this fee. I was told, after she consulted with a XXXX representative, that the fee was because of I chose next day payment. I explained that the website says NOTHING about a fee and that it needed to be reversed. I was told that because the fee was assessed by XXXX, and not BBVA, nothing could be done. 
At this point I asked for a supervisor and told the customer service person that I would be submitting a complaint to CFPB because the Bank can not assess a fee, no matter how small, that is n't clear to the customer. This is not a fair practice. I was put on hold for about 10 more minutes. The same customer service person came back to the phone and informed me that 'management would refund the fee and investigate this issue with XXXX . '

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 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: VA

Complaint narrative:
ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
the company NCC Business Services, called me because my old apartment complex said that I owe them XXXX dollars one month after moving out. This is a false debt because I paid everything I did owe them. they did n't give me the opportunity to confront them. They just wanted me to pay. I could n't pay unless the information was verified. 
they did n't want to verify and said that they will report in my credit if I could n't pay. All they did care about was money. this means that anybody can put anything on your report without proper verification, and I cant accept that. 
They accused me of damages without prooffalse amount of electric bill without statement from the electric company. 
wrong balance at move out went I did n't owe anything. 
They forced me pay everything before the end of my last term over there. I have my bank statement to prove what I 'm saying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a joint checking and a personal checking account with BBVA Compass bank. I withdrew cash from my personal checking account, and bought a Cashier 's check ( check # XXXX ) for {$900.00} from the XXXX XXXX branch of BBVA Compass Bank, on XXXX/XXXX/16. 

On XXXX/XXXX/16, the check was lost, and I immediately called the branch I bought it from. I was originally told that I 'd to call customer service in Order to stop the payment, as the representative made a research and said it has n't been cashed or presented yet. 

I called the customer service number behind my debit card and I was told by the representative that the Balance & Control Dept was closed as at the time I called. I called the next day, and I was told by the Balance & Control Dept that I needed to step into a Branch, in order to be able to stop the check payment. 

XXXX I immediately left the hospital and went to the same branch I purchased the check from. I was told at the Branch that I needed to go look for, and buy a Surety Bond. 

I was n't made aware of this when I purchased the check. This check has been verifiably said at the branch that it has not been cashed. A Surety Bond cost {$1100.00} for a {$900.00} check. 

This is a voluntary malpractice on the part of the bank, wasting time on a lost cashier 's check that has n't been cashed yet, requiring a bond that was n't made aware to me at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
LOANCARE, which is a loan Collection Agency, refuses to cash any and all payments that I send to them on my VA Loan, so they can then foreclose and take over my home.

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 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
BBVA Compass bank violated our privacy when XXXX XXXX XXXX XXXX BBVA Compass Area Mortgage Sales Manager for XXXX / XXXX XXXX XXXX disclosed Nonpublic Personal Information ( NPI ) on XXXX XXXX 2015 to our realtor without our permission. XXXX XXXX disclosed to our realtor that the BBVA Compass bank underwriter had denied our home loan, and he discussed the reasons why our loan was denied. This violated our rights to privacy. To make matters worse, XXXX XXXX notified our realtor prior to notifying us of the underwriter 's final decision. We believe this is a clear violation of Federal Privacy Laws including the XXXX XXXX and XXXX C.F.R. Part XXXX. As a manager at a major financial institution, XXXX XXXX is responsible for overseeing the servicing of loans and mortgage applications, and he should have been aware of his obligation to protect our NPI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I sent Rash Curtis & Associates a letter by certified mail return receipt that they received on XXXX XXXX, 2014 requesting that they cease and desist any and all collection activities on a medical debt that they have failed to properly validate. 

Despite this, they continue to call my cell phone ( which costs me money ) repeatedly. 

I am concerned about retaliatory conduct on their part because I have requested them to comply with the law including HIPAA, FCRA, and FDPCA which they apparently continue to ignore and not comply with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: HCFS Healthcare Financial Services of TeamHealth
State: MT

Complaint narrative:
I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. 

I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.

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 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Client attempted to work with Carrington Mortgage as her loan was transferred from XXXX that already had been Modified. She finally came to Housing Counselor and we submitted a package stating the reason for delinquency is payment dispute. we are including with this complaint the document sent to Carrington and the work out she had been offered by XXXX. # 1. she was paying payment that was being held in suspense, # 2 they have capitalized the arrears into the loan and said the suspense funds were applied to the arrears that they held without applying to the mortgage payments. 
We were informed we need to send a dispute to Carrington- which Counselor will do in conjunction with this complaint. She stopped paying the payment when counselor advised to stop sending payments as they were holding funds of XXXX as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I paid {$1200.00} on this debt XX/XX/XXXX. The medical procedure and first delinquency were XX/XX/XXXX. I applied for and was granted relief from the balance of this debt XXXX {$2500.00} XXXX by the medical provider after those payments XX/XX/XXXX. The provider was XXXX XXXX XXXX at XXXX XXXX. 
Rash Curtis is attempting to collect a debt that I no longer owe. I disputed it with the credit bureaus and it remained on my files. 
Not only is it outside of the federal obsolescence time frame for remaining on my file ( Rash Curtis may have received it XX/XX/XXXX but the procedure and delinquency was XX/XX/XXXX ) ... but they are trying to collect a balance that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with the. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I sold my home in XX/XX/2016 This account is closed and is not released of record yet. Per Guidelines, my mortgage lender has XXXX days to process and release of record. This is still posting negative reporting as a late payment and this home is no longer in my name and my lender got wired the funds at closing?! Please help me get this released of record.

Company response to consumer: Closed with explanation