vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have contacted the agency Rash Curtis and Associates, XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX regarding an alleged debt of {$46.00} on my credit report. I was seeking verification that the debt was mine, and if it was indeed mine I wanted to pay it. They repeatedly denied my requests to provide any verification that the debt is actually mine, and only asked multiple times if I would like to pay by debit, credit card, etc. I do not believe I owe this debt, but they are neither willing to verify the debt is accurate or remove it 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 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
When my mortgage loan was closed, my property taxes were improperly funded. As a result, I faced an escrow shortage of {$4500.00} for 2015 property taxes. At the time my loan was serviced by XXXX. They agreed to spread the {$4500.00} shortfall over 60 months, which lessened my financial burden. My loan has been transferred to Carrington Mortage Services, and while they have agreed to spread my escrow shortfall, they did not keep the same escrow repayment terms in place that I had agreed to with XXXX. As a result, my monthly mortage payment is increasing dramatically and causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
We have been trying to close on our home, but our mortgage company ( Carrigton Mortgage ) constantly fails to provide an accurate payout amount to the title company or to us. Moreover, the company charges a late fee to all customers closing on their mortgage, regardless if a late fee has occurred. They inform us that they do this because they assume we are going to be late on our payment. Is this practice legal? In addition, they are not being clear on the current status of our escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
When I closed on my mortgage, I had the flood and home owners insurance set up to be paid out of my escrow account and paid accordingly so there would be enough to cover these expenses. My loan was sold to another servicer ( Loan Care ) and they did not pay the insurances when they came due. I sent 2 emails to them getting a computer generated response stating within 5 days somebody would contact me, it did NOT happen either time. I spent nearly an hour talking from person to person trying to get this resolved and finally got hung up on. My insurance agent and I called again, this time we faxed them the necessary paper work proving the insurance was to be paid by the mortgager. Flood insurance was due so I had to pay it out of my pocket, even though there was in excess of {$1000.00} in my escrow account, they still have not paid the homeowners insurance and Iam not sure if I will ever get reimbursed from the money I had to spend, they said they would look into it, but I have not heard from them since. I need some help dealing with these people, I have the XXXX pages of original closing documents I faxed to them and copies of all the emails. Now Iam worried I will have to come up with more money to pay the homeowners ins. it is due to expire soon.

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to file a complaint against BBVA Compass Bank for taking an application that was never going to be approved based on a policy that they do n't disclose when taking applications for credit cards. I applied for a credit card when I already had 1 and the limit is only 1 but I did n't find out at the time the application was taken and was not told they only allow their customers to have 1 card. The person taking my application did not inform me and knew at the time I had one but proceeded to process it knowing I was not going to be approved. I fee that I should have been informed of the policy at the time of the application so that I would not have wasted my time or a pull on my credit. I think that is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EMG ACQUISITION GROUP, LLC
State: CA

Complaint narrative:
Receiving calls via mobile and now my work phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
About 6 months or 7 months ago i received a called, from A company called GCS Services.Its regarding my student loan.And they said, this is a debt collector, they asked me for my name : And i said, why? what is this is about. They told me, they would help me to get out of Default, after 6 consecutive payments.And i agreed, even set up a payment plan for {$84.00} every 28 monrhts of the month.The last payment was on the XX/XX/XXXX of XX/XX/2017, next payment is the XX/XX/XXXX {$84.00} On XX/XX/2017 US DEPARTMENT OF EDUCATION , sent me debt collection Bill for {$84.00} i decided to contact them regarding my bill.They said, they we n't sure or what i was referring too. And also all the money i was paying GC Services, they are not Aware of anything. I was so devastated by the news. After all of my effort, and hard work to have the Funds on my, account on time. This generate alot of stress and frustration on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: NY

Complaint narrative:
on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my 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 2016-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My loan servicing was transferred to LoanCare XX/XX/2016. The performed and escrow analysis which was followed by an impound shortage notice. Upon research I discovered LoanCare had changed the terms of my loan and increased my MIP to a different amount than was in my original loan documents and final disclosures. I sent in the shortage and they applied it to my principal in error. I called and they corrected this error. Told me they would only be deducting the original MIP from here on out and that they made an error. XX/XX/2016 I refinanced my loan. My escrow was to be paid out and I logged on to their website to view the account history and verify the balance in escrow I was to receive. To my shock I discovered not only have they continued to deduct the wrong amount for MIP they misapplied the payoff and coded it XXXX different ways including something to do with foreclosure. I have never missed a payment and in fact had always paid early. I called them and they are completely ambiguous in their responses. I 've emailed with details of my issues on the mismanagement of my escrow and the account payment applications numerous times. Two weeks later on both cases I receive a response email simply stating my account is paid off ... never once addressing the root of the emails I sent. I continue to call and most recently when I pressed for transfer to a supervisor or department that is responsible for clearing things up I 'm told they do n't take inbound calls or they choose to end the call and hang up when I press for explanation of what is going on with my account and try and hold them accountable for the mess and errors they created. It 's been over five months since they took over the servicing of my loan. My account had not been corrected and their customer service department is of no help. They do n't have any answers to provide and simply say it 's " Under research ''. Five months??? Today I sit here getting ready to make my first payment to my new lender and I still do n't have a resolution to what is happening in my old escrow account, when it will be corrected or when I will receive payout of the escrow balance. This company is completely incompetent and is a prime example of why we had a housing meltdown that triggered the recession. They should be shut down and never allowed to manage mortgage account again. They are rude, unresponsive and totally incompetent. They have a fiduciary duty to explain and fix errors they create when managing a mortgage account and they fail to do that time and time again.

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 2017-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I do n't believe this ... ... I am right in the middle of financing and the lender had to pull my credit one last time before I fund ... .. all of a sudden I have literally have 9 collection account appear on my credit from Rash Curtis & Associates XXXX I do n't know who they are or what this is about but I have never received 9 different collection notices from them. I HAVE NEVER EVEN RECEIVED ONE!! 

I am going to file a complaint with the FTC and the Attorney Generals office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. 

Thank you 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 explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I had auto-pay set up through my mortgage servicer - Loancare. Suddenly, in XXXX the payments were interrupted. Despite the fact that I had received my monthly " Thank you, your mortgage payment has been received! '' email from Loancare my payment had not, in fact been deducted from my checking account. I contacted them several times and each time they swore everything was fine. Finally I made a manual payment from my checking account and held my breath, hoping that Loancare would n't suddenly ding my account and pay double that month XXXX they did n't, my manual payment was the only payment made. XXXX Despite my phone calls and attempt to ensure this payment was made on time, Loancare levied a late fee for XXXX. I have been unsuccessful in having them waive this, as the late payment was because of a problem on their end XXXX their auto-draft not functioning ) and nothing I did. 

Care to guess what happened in XXXX? Again an email thanking me for my mortgage payment. Again no money deducted from my checking account. Again a flurry of phone calls and emails that ( mostly XXXX went un-answered trying to find out if Loancare 's auto-pay was going to deduct my payment or if I should make a manual payment again. Again I was assessed a late fee, and was told that my mortgage payment was not received due to insufficient funds ( not true and my bank is prepared to provide written evidence as to such ) and then when I called I was told my payment was n't made because of changes I had made on the Loancare website ( again, not true I had not made a change since originally setting up the original auto-draft and had been successfully making payments for MONTHS before this happened. ) I ca n't get anywhere with Loancare, their staff are rude, unprofessional and unhelpful. When my husband and I attempted to re-finance the loan with them in order to remove PMI they declined, stating that my bankruptcy inhibited their ability to improve the terms of my loan ( I have never declared bankruptcy and they refused to disclose where they had obtained that information. ) I really do n't understand how these folks get away with this stuff. I 'd rather have my loan serviced by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I went to apply at an apartment complex 1.5 months ago and they made a mistake and stated this debt XXXX from another apartment complex ( which I never owed anyway ) was still on my credit as unpaid ... later I looked at the credit report copy she gave me about 3 weeks later and it stated it was discharged in the bankruptcy and my father already paid this debt. And NCC lied and stated it was not included in the BK and I know they were notified last XXXX 2015 that it was, I wrote them 15x and the manager said he would refund my fathers card and he never did. I have proof of all documentation and even the credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
On XXXX/XXXX/16, I received a Payoff Statement from Carrington Mortgage Services of {$570.00} valid until XXXX/XXXX/16. I paid that amount through XXXX online banking. XXXX XXXX XXXX sent that amount on XXXX/XXXX/16 for delivery on XXXX/XXXX/16. A letter from Carrington dated XXXX/XXXX/16 stated Carrington did not receive my XXXX/XXXX/16 payment and that I owed {$550.00} which included a late charge. I immediately called Carrington and informed them I sent them the loan payoff amount and faxed them a copy of my online banking statement. I also contacted XXXX XXXX XXXX Online Banking. On XXXX/XXXX/16. a XXXX XXXX XXXX representative and myself called Carrington and XXXX XXXX XXXX faxed Carrington proof of my payment. XXXX from Carrington told us they located the funds XXXX XXXX XXXX sent. A letter from Carrington dated XXXX/XXXX/16, stated they located the {$570.00} and it was posted to my loan as the XXXX payment with an effective date of XXXX/XXXX/16. On XXXX/XXXX/16, I called Carrington again and spoke to XXXX and informed her the {$570.00} was the Payoff Statement amount and should be applied as such. She put me on hold to speak to someone else. She then told me I should not worry, the funds would be sent to the cashiering dept. I could consider the mortgage paid off. On XXXX/XXXX/16, I received a Call from Carrington trying to collect a debt. I explained the whole thing to this woman and she found all the notes pertaining to this matter in my loan file. She said she 'd pass this to her supervisor for quick action. On XXXX/XXXX/16, I received a Notice of Intent to Foreclose from Carrington. I again called them speaking to the same woman as I did the day before. She informed me she would have her supervisor call me. It is becoming clear to me now that Carrington Mortgage Services, through incompetence and/or outright criminal activities, is trying to extort additional funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Newman, Hesse & Associates, P. A.
State: KS

Complaint narrative:
I unknowingly wrote a bad {$40.00}. check for groceries at a very prosperous business ( and still is ) 18 years ago. The first collection agency had the case from XXXX to XXXX. The second collection agency has the case currently since XXXX. I live in Kansas. They garnished my check in XXXX, but I had to be at home for personal reason and had to quit. First, they contacted me at my place of employment, which they deny. I answered the phone at work, asked my name. I asked who they were, and they hung up on me. It was a number from their same city of their business. Then I get notice that I 'm getting garnished not even a week and a half later. I did not receive notice of right to dispute this amount. No time of hearing. All I received was notice that they went to court and got approved by the judge to garnish. I called them, and they informed me that they have renewed the case every time they were supposed to keep it from being time-barred. XXXX and XXXX They did not keep within the time allotted to renew. It went dormant. XXXX Kansas law allows a recovery fee charge, court costs, up to 3 times the original amount of the check, but it can not exceed XXXX. They are taking out the maximum amount from my check every week. 25 %. The amount they are telling me I have to pay is {$1000.00}, all from a XXXX dollar check. I believe the amount they are making me pay, and leading me to believe I cant dispute because " the judge granted them that amount '' is outrageous, and they already have taken out atleast XXXX from me. I have XXXX children to care for. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, got denied for a credit card application from BBVA compass. States " unable to verify identifying information ''. They denied me without confirming which information they need. I am very open to share whatever information they need to verify my identity.

Company response to consumer: Closed with non-monetary relief