vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 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: WA

Complaint narrative:
I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. 
Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. 
This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. 
I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: OK

Complaint narrative:
I received notification of a collection account on my XXXX and XXXX credit report, wiht ARS for {$470.00} to which is Identity Theft and I have reported it to them repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CARD Corporation
State: LA

Complaint narrative:
MY NAME IS! XXXX XXXX, MY DEBIT CARD NUMBER XXXX XXXX XXXX XXXX, VALID THRU:XXXX, CAN YOU CHECK MY SSI PAYMENTS TO MY CARD! XXXX thru the XX/XX/XXXX in the amount of {$760.00}! ssi number:XXXX,XX/XX/XXXX, Address:XXXX XXXX XXXX XXXX, XXXX, La XXXX! Phone Number:XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX/XXXX/XXXX, PURCHASED BRAND NEW HOME FROM XXXX. CONSTRUCTION BEGAN IN XXXX. XXXX XXXX UPGRADES WERE NOT DISCLOSED TO ME DURING CONSTRUCTION, SO MY CHOICES WERE LIMITED FOR FLOORS, COUNTERS, ETC. LENDER INCENTIVES - {$0.00} DOWN/ {$0.00} CLOSING COST-FOR USING A XXXX XXXX, XXXX FOR HOME LOANS. XXXX XXXX, WAS THE BEGINNING OF MY FINANCIAL CRISIS-SO FAR XXXX FORECLOSURE ATTEMPTS BY XXXX BK 'S COSTING ME $ XXXX LOST XXXX VEHICLES IN CH XXXX-NOW STRUGGLING TO MAKE PYMTS ON XXXX CAR SHARED WITH XXXX XXXX DUE TO EXCESSIVE ATTY FEES IN CH XXXX THAT WAS INTENDED SOLELY TO STOP SALE OF HOUSE. I HAVE FOUND ON : XXXX-DEED OF TRUST ( 1ST {$190000.00} ), PURCHASE MONEY DEED OF TRUST ( 2ND {$48000.00} ) -BOTH W/ SIGNATURE ON SEPERATE PGS/NOTARY PGS ARE DATED XXXX/XXXX/XXXX, 3 DAYS AFTER CLOSING:XXXX XXXX ASSIGNED 1ST AND 2ND TO XXXX WHO ASSIGNED TO XXXX EVEN DAY-XXXX MIN XXXX DEACTIVATED : XXXX/XXXX/XXXX, 4 DAYS AFTER CLOSING, SPECIAL WARRANTY DEED-CASH ( {$10.00} ) FROM XXXX OF TX TO XXXX DBA XXXX , THEN, SPECIAL WARRANTY DEED W/XXXX RESERVED AND ASSIGNED TO 3RD PARTY LENDOR PROMISSORY NOTES OF {$220000.00} AND {$56000.00} PAYABLE TO XXXX FROM XXXX : XXXX/XXXX/XXXX RELEASE OF LIEN ( 2ND {$48000.00} ) BY XXXX, REQUESTED BY XXXX XXXX XXXX, PAID IN FULL : XXXX/XXXX/XXXX ASSIGNMENT OF DEED ( 1ST {$190000.00} ) FROM XXXX, NOMINEE FOR XXXX, TO XXXX XXXX XXXX XXXX, TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX ASSET BACKED PASS THROUGH SECURITIES WITH SEPERATE DOC FROM XXXX, NOMINEE FOR XXXX, REMOVING TRUSTEE AND ASSIGNING SUBSTITUTE TO FORECLOSE-THE RELEASE OF LIEN AND THE ASSIGNMENT OF DEED REF THE XXXX MIN NUMBERS THAT HAVE BEEN INACTIVE SINCE XXXX/XXXX/XXXX. THE RELEASE SIGNED BY XXXX XXXX ( VP OF XXXX ) NOTARIZED IN XXXX, THE ASSIGNMENT ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, XXXX SEC FOR XXXX WITH TRUSTEE NOTICE ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, VP OF CMS- ATTY IN FACT FOR XXXX XXXX WERE BOTH NOTARIZED IN XXXX CA BY A CMS EMPLOYEE, XXXX XXXX XXXX THE VP OF CMS, XXXX. SHE GOES BY XXXX XXXX-EMPLOYEES ARE NOT ALLOWED TO FORWARD CALLS DIRECT TO HER BECAUSE SHE IS VP : NOTARIES NOT ALLOWED TO DISCUSS DOCUMENTS : XXXX/XXXX/XXXX 2ND SUBSTITUTE TRUSTEE ASSIGNMENT POSTED, SIGNED BY XXXX XXXX DEFAULT LEAD FOR CMS, XXXX CA. ALL 3 NOTICES SAY RETURN TO CARRINGTON FORECLOSURE XXXX IN XXXX CA- I WAS ADVISED BY CARRINGTON CALL CENTER, THEY DO NOT HAVE A LOCATION IN XXXX , CA. XXXX XXXX XXXX XXXX-IS A TRUST CONTAINING BUNDLES OF SECURITIZED LOANS ; MORTGAGE WITH CMS WAS DISCHARGED IN 1ST CH XXXX BK ; CMS CLAIMING XXXX XXXX AS LIEN HOLDER OF NOTE ; RECORDS SHOW XXXX DBA XXXX XXXX AS HOLDER OF NOTE. ASSIGNMENTS FROM XXXX TO XXXX IN XXXX OVER RIDE ASSIGNMENTS TO XXXXCMS IN XXXX, PLUS THE ENDORSEMENTS ARE NOT VERIFIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently moved back to XXXX to start a new job. I wanted to open a local bank account here as I bank with a credit union in another town. I opened a checking account with BBVA Compass and have had it for 3 weeks with no issues. Yesterday I went to eat and my debit card was declined. After I called the bank to see why, I found my account had been frozen. They first said for debt then it turns out they ca n't tell me why and said I need to go to a branch and prove who I am. I did that in the afternoon as I have my full payroll going to this bank on Friday so needed this resolved thinking they have a mix up. I also have worked in the large banks for my than 10 years of my career as a consultant in IT and security so I know if their controls are messed up they can make these mistakes easy. This morning I 'm still not able to access my account and after another 45 minutes on the phone they can give me no reasons why my account has disappeared and what I will expect tomorrow with my pay. They told me to go back to a branch and give them more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
My bank BBVA Compass will not return {$6.00} to my checking account that was not authorized. I called and emailed them numerous times but they would not return the funds to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: MI

Complaint narrative:
In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of Fredrick J Hanna & Associates, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting Fredrick J Hanna '' s office because as an officer of the court they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that Frederick J Hanna has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
My mortgage lender, U.S. Bank periodically sends multiple Mortgage Statements for the same loan due date period. These duplicate statements are confusing, especially when I timely pay my monthly balance. The duplicate statement is sent even after U.S. Bank acknowledges receipt of payment! I have mistakenly ( almost ) made double mortgage payments to U.S. Bank. I initially called U.S. Bank customer service and they say there is nothing they can do, it is a government ( RESPA ) requirement that they send out duplicate statements and that U.S. Bank can not change its software. U.S. Bank simply says " disregard '' the second statement. The duplicate statement is not identified as duplicate and it creates accounting problems when duplicate statements are sent by my mortgage lender. 

In a recent call to U.S. Bank regarding another duplicate statement they indicated that it is a Consumer Financial Protection Bureau " regulation '' that requires U.S. Bank to send out duplicate statements every " 31 days '' from last communication. Therefore, if I pay my bill timely ( or early when rec 'd ) and/or the following month is a longer month then ( according to U.S. Bank ) per your CFPB regulation, U.S. Bank says it must send me another statement for the billing period that I already paid and they have received. If this " 31 day '' rule is truly a CFPB regulation -- & gt ; then it is a stupid regulation. If it is a CFPB ( well intended ) regulation,,, it results in a consumer unfriendly outcome when it is applied to my facts and circumstances, hence a stupid regulation. U.S. Bank indicated other customers have complained about this problem! I have also escalated this problem from U.S. Bank Customer Service to U.S. Bank Consumer Advocacy for attention. 
So,,, Is this a CFPB, U.S. Bank or other party problem?

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 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
BBVA closed my existing, in good standing checking account after applying for their credit card product ( and was subsequently approved for a {$20000.00} line of credit ). They based this on information obtained from XXXX, who has XXXX identity theft accounts listed and neither bank will remove them. 

BBVA continues to hold the funds left over in the checking account and they refuse to speak with me and are being extremely hostile and unhelpful. 

During XXXX episode, BBVA performed a forced debit on my account in the amount of {$4800.00} for a deposit item deposited eight ( 8 ) months prior to the forced debit. I satisfied this negative balance with the party that disputed the check based on a disagreement and argument. 

A terrible bank like this with terrible actions should be investigated, fined and possibly receive additional penalties from the US Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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: NCC Business Services, Inc.
State: NV

Complaint narrative:
I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Account Resolution Services is claiming that i owe money to their collection agency. I have asked them dozens of times to verify that i owe this invoice but they can not produce an actual invoice or any form of proof that there is any invoices from the company that allegedly hired ARS to collect this money. I have also contacted that company as well and they claim that they do not have any record of my name in their system or any invoices ever due in my name. I have notified ARS of this several dozen times and also sent them a certified letter in regards to this matter, but ARS still refuses to provide any evidence of an invoice. Furhtermore, ARS also failed to comply with SEC.809 ( A ) that states that ARS has to mail me notice of debt within 5 days of initial contact. ARS is refusing to provide evidence or remove this from 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 2017-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am writing to document a formal complaint against XXXX and LoanCare mortgage servicing companies. 

Recently, XXXX ( XXXX, XXXX ) purchased my mortgage from my previous lender, LoanCare ( www.myloancare.com ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by XXXX ' reviews and LoanCare online. 

On XX/XX/XXXX, payment from XXXX to LoanCare went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, LoanCare also auto-drafted the monthly payment from my checking account. LoanCare does not have record of this on my online profile and they have not forwarded this payment to XXXX as both companies have said they would through the transfer process. 

XXXX now has sent me to a debt collector for failure to pay my XXXX payment and plans to auto- draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor XXXX offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that XXXX has created during the weekdays.

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 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I consistently made payments on time. Beginning in XXXX 2015 my payments started not to be posted to my account. In XX/XX/XXXX I started getting calls from myloancare saying my XXXX payment was not made. The phone calls were automated, without opportunity to discuss. I sent an E-Mail to customersupport@myloancare.com with evidence of the payments. I received a ticket number and automated response, but to date have not had acknowledgement of the payments made in XXXX and XXXX. There are now five payments sent with confirmation from my bank, but myloancare does not respond to my inquiries, and continues to make automated calls to me. I called on XXXX of occasions, and only once was I able to get through to a customer support representative. I provided the ticket number sent to me, and all related detail with no results. The customer support representative refused to allow me to speak with anyone that could actually help resolve the issue, and essentially said that the phone calls would continue until the issue was resolved. I asked to work with someone that could resolve, but was refused.

Company public response: Company chooses not to provide a public response
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: Vengroff Williams, Inc
State: NY

Complaint narrative:
i owed XXXX money regarding a medical leave payment discrepancy in 2014 - I was placed in collections and immediately paid the balance that was due. It is now 2 years later and I am trying to purchase a home and I am being denied by all creditors because it shows on my credit report that I owe collections money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I did a refi/streamline on my home loan in XXXX, received my payment coupon for XXXX which said 0 due and I will attach this, when I received my payment coupon for XXXX it said that I missed my XXXX payment and now owed a double payment, I called the company and faxed in the payment coupon they had sent me, I also texted my loan officer, they called me a couple of days later and apologized but that that coupon was for the previous loan and not the new one and they were sorry that I did n't get the correct coupon but that the XXXX payment was still showing late and that they could n't change it and that I still owe the double payment, this is affecting my credit and is not fair to me the consumer, the lady from Carrington apologized and said she felt bad but that there was nothing she could do. I followed their payment coupon and now I am being penalized for their mistake

Company response to consumer: Closed with explanation