vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-04 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: Focus Holding Company
State: ID

Complaint narrative:
Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: FL

Complaint narrative:
Number calls me multiple times a day

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: URS Holding, LLC
State: OH

Complaint narrative:
Hi, My name is XXXX and I have been working with a credit counselor for the past year now on a student loan. I was notified by another collection source that they are now handling my account and they needed the balance. I told them that i was currently involved with a third party for a settlement. The original company did not take my last payment out. If you could contact me regarding this matter I would appreciate it.

Company response to consumer: Closed
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: VA

Complaint narrative:
repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, 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 2015-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Our Mortgage was sold to Carrington Mortgage services by XXXX XXXX XXXX, They immediately raised our Escrow amount to " build a Buffer ''. Our Escrow has never been short in the 5 years we have had the loan. It is impossible to contact customer service and their payment information on line is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to Carrington in XXXX 2015. Carrington was holding my XXXX payment in a suspense account. I informed Carrington that I was not accepting a loan modificationwhich was approved by XXXX, and that I wanted my payment applied from XXXX and to make my XXXX payment. I was told I was unable to make a payment even though my account was current! I sent in an opt out letter to which I was then told I could make a payment. I made a payment and requested that the XXXX payment get applied. I found out that payments have been received but now XXXX and XXXX payments have not been applied and my account is showing past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I received a letter from my current mortgage company about the transfer of my loan to loancare with the new account number and the effective date of XX/XX/XXXX. I have n't heard or received a letter from the new mortgage company.

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 2016-03-10 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Compass Bank, the option to fund the account with a ACH transfer did not function, I called them and was transferred several times until I gave up. 
within a day or two I tried to do it again and I still could not complete the ACH transfer called them again and could not get anywhere, on XX/XX/XXXX I tried the third time and changed the application to fund the CD with a check, and mailed out a check for {$200000.00} clearly marking the purpose of the money and the account number that I was given, five days after mailing the check I saw that it was not cashed yet I called the bank again they told me that the check did not arrive yet and I should call in 5 days. 
I called them on XX/XX/XXXX and I was told that the account was closed because it was not funded and my check is being returned, I was surprised to see that the check was cashed I called them on XX/XX/XXXX, and was shuffled from person to person without any results. The last person I spoke to was a guy by the name of XXXX that later said his name is XXXX with the promise that check is being issued and sent out to me immediately. 
I called the FDIC to complain about this episode, they said I have to complain with ; Federal Reserve Consumer Help I called them and they said to lodge a complaint in writing which I did. 
Today XXXX XXXX, 2016 I get an answer that I have to make a complain with Consumer Financial Protection Bureau, and I am doing it right here and now. 

MEANWHILE IT IS 10 DAYS PAST THAT bbva copass bank IS HOLDING MY {$200000.00}. AND LAUGHING ALL THE WAY TO THE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
We am trying to modify our mortgage that got sold to Carrington, they lost the paperwork, i have proof I sent the paychecks and the other information they said they needed to update. They told me I have to start again and they told me they will send the paperwork. I have not received it, I called twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been unable to get in contact with Carrington Mortgage LLC, services of my mortgage loan. I used to have XXXX, and XXXX sold loan to Carrington Mortgage. I googled Carrington and they have over XXXX complaints, worst customer service ever. Here is my issue. On XXXX/XXXX/16 I cancelled the remaining portion 1/2 payment mortgage check for XX/XX/XXXX. I cancelled that check and reissued another in {$880.00} amount through XXXX bill pay. The check was sent on XX/XX/XXXX and I know Carrignton Mortgage received it XXXX. XXXX gives it a deliver by date of XX/XX/XXXX. The check still has n't cleared my account as of XX/XX/XXXX and it usually does immediately within 1 day. I want to make sure that Carrington Mortgage does NOT say my check is 30 days late and report to credit bureaus. Full mortgage was received by them within the 30 day allotted time allowance. I 've searched and saw where Carrington Mortgage will falsely indicate 30 day late on credit report and I CAN NOT HAVE THAT. So I 'm trying to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Hello, Our mortgage is in good standing and was recently transferred to a new provider. 
We requested specific information regarding our accounts PMI. We wanted to know what our monthly cost is and if it could be eliminated from our account due to our good standing and additional principle. In the event our account did not the correct debt ratio, We wanted to know how much additional principle would be required to eliminate PMI. We called to make this request and was told to contact the organization through their website. 
We contacted several times through the website, received a tracking number and an automated message stating we would hear back in 5 business days. this has been ongoing for 2 months.

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 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armada Corp.
State: WA

Complaint narrative:
A company that I have never heard of is using my home address apparently to conduct business and has a court judgement against them that has been turned over to a debt collector. Several months ago we had our mailbox broken into and mail stolen from us and I suspect there is a connection. ( This incident was reported to the Postmaster General )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was recently charged an overdraft fee on my BBVA Compass account of XXXX, but no where on my bank online did it show that I went negative. If the bank is going to charge an overdraft fee, then there should be transparency and the bank should, at the very least, show me where I went negative. Instead, my balance never reaches a negative balance on my bank online. I feel that the method of accounting that this bank is using is meant to take advantage of consumers because people are being overcharged non-sufficient funds when their accounts never reach a negative balance on their bank online. If the banks are going to be charging overdraft fees, then they should, at the very least, show you why they charged you a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 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: FL

Complaint narrative:
I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.

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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: NCC Business Services, Inc.
State: NE

Complaint narrative:
While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office.

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 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage company has been charging me {$580.00} a year for hazard insurance. The property is already fully insured by my HOA. it is a condominium. I only own the space between the walls. They bought insurance to pay for the restructure of walls and property that are already fully insured and do n't belong to me. I just discovered they were doing this for XXXX years because they were hiding the charge by debiting my loan. It was not done through escrow or was i ever notified nor given a copy of the policy. They hid the charge by calling it an escrow disbursement. but no escrow disbursement occurred, it was a debit to the loan. I was aware I had a separate {$550.00} escrow disbursement each year. They led me to believe that this was the same transaction. This is fraud. I finally discovered what was occurring after they finally titled the loan debit a " XXXX '' payment this year which alerted me to the charge. My hazard insurance is through the HOA. the property is fully insured as required by the terms of the loan. My mortgage company surreptitiously and fraudulently bought additional coverage to benefit financially from the commission from the insurance company and put an additional debit to my loan to charge me interest on the insurance cost. It should have been an escrow charge

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I was sued in 2014 for a debt that I owed XXXX XXXX. XXXX XXXX bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from XXXX XXXX as well as Cooling and Winters LLC. stating that I was being sued again for the same debt. I have spoken to both compnaies and XXXX XXXX refuses to speak to me about my account and told me they sold the account to Cooling & Winters after this account was satisfied. I contacted Cooling & Winters and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid 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 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
Mortgage was sold by XXXX to Loancare. Received letter from Loancare dated XXXX/XXXX/XXXX ( I did n't open until XXXX/XXXX/XXXX ) informing me that the loan was transferred and to make payment to Loancare. Attempted all day that day to get on Loancare web site to make payment. It allowed me to create an account but would n't allow me to enter my account. Next day XXXX XXXX/XXXX/XXXX XXXX tried again unsuccessfully to get into web site. Called customer service number. Unable to reach a human being. Entered all information computer asked for : they had no record of our loan number, social security number or zip code. Mailed a letter to Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX, via certified mail return receipt requested informing of situation and requesting response. Received return receipt XXXX/XXXX/XXXX. To date have not received a response to the letter. XXXX XXXX received XXXX letters from Loancare, XXXX dated XXXX and XXXX dated XXXX telling me that my loan payments were late and they were going to start collections, etc. Went online that day ( XXXX/XXXX/XXXX ) and this time the website allowed me in to my account and allowed me to make an online payment which I did at XXXX which consisted of two months ' payments plus my usual extra principal of $ XXXX/mo for a total payment of {$2700.00}. Attempted to register at that time for auto draft, but got message that late payment had to clear before registering for auto draft. Went back online on XXXX/XXXX/XXXX and successfully ( or so I thought ) registered for auto draft. Set up draft effective XXXX/XXXX/XXXX with a draft date delay of 4 days so that the payment should have been drafted XXXX/XXXX/XXXX. Fortunately I made an entry in my calendar to check to see whether the mortgage was drafted. Checked today ( XXXX/XXXX/XXXX ) and sure enough, the payment has not cleared my checking account. Signed into Loancare 's web site and see that they have not taken the payment. Made a one-time payment online of the regular monthly amount plus extra principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I refinanced my mortgage XXXX 2015 I have just taken a look at my credit and seen where my old mortgage company has put a 30 day late on my account that was with them I have emailed and called numerous times each week for over a month now and I have gotten no where with this company but " I am turning this over to my supervisor and you should hear from him within 24 hrs '' that is the same line I hear each time I call I want this removed I 've worked hard to get my credit back in shape. this is not the first time I have had a problem with them the last time was 8 months of getting my escrow refunded and that was the same thing I heard then my supervisor will be handling this same XXXX from before.ive included screenshot of XXXX of my credit report to show the dates for loancare and XXXX who is my new mortgage company for when they took the loan over on XXXX XXXX 2015 I 've included another credit report showing where it is saying that XXXX was late there 's no way any of it was late also included the email I sent to loancare and that is the ticket number they gave 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 2017-03-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WILLOW BEND MORTGAGE
State: FL

Complaint narrative:
I was in need of a XXXX loan. My real estate broker just finished a class with the Employees of Willow Bend Mortgage Brokers on that very loan. She suggested that I go to them for my loan. The agency I used is in XXXX, XXXX. The name of the agents were XXXX XXXX and XXXX XXXX. They were told at the beginning that a FHA XXXX loan was the only loan that could be used to purchase the home in XXXX. After a month went by they still were under the assumption that I needed just an FHA loan. Still as time went by they did not move forward with the XXXX loan. Now at this time I have been paying {$370.00} every 15 days for extensions on my contract with HUD. They new that this was on a time basis so we did not lose our contract on the home. It stated in XX/XX/XXXX they kept giving me it felt like the run around. Every 30 days I needed to send and resend the same papers and then bit by bit the papers were getting annoying stupid papers. The items needed were totally absurd. With me being in XXXX and the home in XXXX we could not just run out there every weekend. We finally made a surprise visit and went through all the papers and they stated we should close by XX/XX/XXXX. Well at that time XXXX started going for a FHA XXXX loan which was totally wrong. Now here we are with less that 48 hours before my final extension and they insisted this was the way to go. Now as it stands I am out the money for all the extensions, gas, hotel accommodation costs. I believe they are should not be teaching others if they do not know what they are doing themselves. They should be held accountable for their actions. It is due to their lack of knowledge on my best interest and listening to what I and my real estate agent were telling them that I now they decided to deny my loan due to not being able to determine my credit rating which was at the time a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2016 a payment was mailed to LoanCare for my XXXX 2016 mortgage as well as a payment to the principal. This was clearly outlined on the payment form, which accompanied my check. The total amount ( principal and mortgage ) was deducted from my checking account on XXXX XXXX, 2016 however, LoanCare did not do apply any funds to my XXXX 2016 mortgage, instead all funds were applied to the principal. ON XXXX XXXX, 2016 I called customer service to have them correct this error but was told by Agent XXXX that I can not make payments in advance. After pointing out to her that nowhere in LoanCare 's notification communication or website nor in my mortgage agreement did it state that I would be penalized for early/advanced payments she placed me on hold to inquire with a Supervisor. She returned to the call to inform me that I can in fact make advance mortgage payments and as such she will submit a request for reversal for the amount to be applied to my mortgage. She stated that this request was to be completed by XXXX XXXX, 2016 and my online account would be updated to reflect this change. 

On XXXX XXXX, 2016 I checked my online statement and noticed that the reversal was not made. I called LoanCare, again, to inquire what was the status of the process. I was notified by Agent XXXX that the request would take " a few more days '' and there is nothing she can do at this point. I requested to speak with a Supervisor at which time she stated that no Supervisor was available and as such one would contact me by close of business on XXXX XXXX, 2016. No supervisor has contacted me since then. 

On XXXX XXXX, 2016 I called Customer Service to verify that the issue was rectified again to be told that the amount was not applied. Speaking with Agent XXXX she noted that nowhere on my file was it noted that I called LoanCare on XXXX XXXX, 2016. I requested again to speak with a Supervisor at which time she transferred me to a XXXX XXXX -- the call went straight to voicemail. I left a detailed voicemail message regarding this issue.

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