vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I was offered a trial modification by my servicer - Carrington. I accepted the offer. The first payment was due in the month of XXXX. As a member of the XXXX XXXX XXXX XXXX, I received 30 day XXXX in the month of XXXX. None-the-less I called Carrington to make the XXXX trial modification payment over the phone. Carrington refused to take the payment over the phone but instead demanded that I send via XXXX XXXX. Because of my service I explained to Carrington that I would have limited access to XXXX XXXX and I faxed my XXXX. Carrington stood firm in their unreasonableness. I was able to get to a XXXX XXXX office on XXXX XXXX, but Carrington refused to accept the payment because they claimed it was late. My Authorized XXXX Party representative called Carrington on XXXX separate occasions - XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. The purpose of each call was to determine whether or not there was a scheduled foreclosure sale date. Each time the Authorized XXXX Party Representative was told there was not a foreclosure sale date. Carrington completed a foreclosure sale on XXXX XXXX, 2015. At the time of the foreclosure sale I remained out-of-town due to the XXXX mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: FL

Complaint narrative:
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

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 2016-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. 

Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. 
The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
I co-signed a 30 year mortgage loan with XXXX for a friend in XXXX in the amount of {$170.00}, XXXX. 
A few years later I signed a quick claim deed because she said if I did not sign the quick claim deed she would default on the loan. 
She ( without my permission or knowledge ) re modified the loan in XXXX for {$110.00}, XXXX based on her income only because she was unable to make the payments. This modification decreased the amount of the loan XXXX and increased the years of the payment. 
She has remained delinquent in her payments. 
In XXXX of XXXX the loan was taken over by Carrington Mortgage Company. 
She has remained delinquent and to date owes XXXX in overdue payments. 
I want my name taken off the loan agreement. I have discussed this matter with XXXX XXXX to no avail. I have contacted XXXX and Carrington Mortgage Company with also no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
Our escrow has not been adjusted appropriately. We acquired our home XX/XX/XXXX. We currently have a mortgage through LOANCARE. Taxes at that time were {$3100.00} annually because the home was rented out. The taxes were paid by seller for XX/XX/XXXX as part of our closing agreement. We applied a homestead exemption immediately so we could get a tax break for XX/XX/XXXX. Taxes for XX/XX/XXXX totaled {$1600.00}, which is significantly less than XX/XX/XXXX. No adjustment was made with regard to how much money the bank is collecting for escrow account. I have requested this change via email, fax, and telephone, and have not received a response from LoanCare. Very poor customer service.

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 2017-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Letter was sent from Carrington Mortgage dated on XXXX received Sat XXXX stating that my Mortgage was behind 30 days and if I do n't pay XXXX in 30 day they will start forclosure procedures, I mailed XXXX payment also, that payment have not posted to account, I also made online payment today XXXX for XXXX a they put this on my credit report I have never been late on my mortgage in 16 years a check was sent and received by Carrington Mortgage and deposited on XXXX, The account # written on the check were to post payment. which they clearly did not do. I have read complaints on how carrington does business I 'm clearing unhappy, They have not sent mortgage coupon so I have to send check in regular envelope and write the account number on check for the to post to account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diverse Funding Associates LLC
State: NJ

Complaint narrative:
Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested

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 2016-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was supposed to receive a discount for having my loan deducted from my checking about at BBVA Compass bank ... I submitted the documents they mailed me in XXXX. I am still not receiving the discount..And everytime I call to inquire..nobody knows anything. I have even resubmitted the document and have received no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Home mortgage loan was transferred to another provider without notification. The loan had been on automatic payment with the original provider. The original provider was aware that I did not reside at the property address ( it is a rental ). The new provider failed to extract my mailing address from the old provider 's contact information however it did have my phone number. No one contacted me to inform me that : 1. The loan provider had changed. 2. My account was in default due to non payment ( 90 days ). 3. My credit history is now severely affected. I am looking to restore my credit history to the state prior to this incident. We have paid all past due balances.

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 2015-10-29 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
I rented a XXXX Bed Room Apt from XXXX XXXX Apartments in XXXX FL. XX/XX/XXXX. I informed Management that I would be moving in 30 days due to employment relocation to XXXX XXXX I moved out on XX/XX/XXXX. The property manager retained my security deposit. I was not informed of any additional charges over and above my security deposit. XXXX XXXX Apartments reported me to the XXXX Credit Bureaus as owing a misleading debt of {$2500.00}, of which {$1800.00} was for XXXX rooms of carpet installation, one months rent of {$490.00}, House keeping charge of {$120.00}, and a late fee of {$65.00}. 
Upon moving out, I left my apartment in a clean and orderly manner as when I arrived. I am a XXXX, and I was the only person in the residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have a mortgage through Loancare, with loan number XXXX. I made a payment on XXXX XXXX, 2016 for {$2200.00}, but as of today, XXXX XXXX, 2016, Loancare has not issued a statement reflecting this payment, and therefore has not indicated that another payment for the same amount is due on XXXX XXXX, 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: GA

Complaint narrative:
This has been a constant long overdrawn situation! I have had this company add medical bills on my credit report then take them off and add them again. I also received an alert from my fico indicating that a new collection has been added to XXXX without any knowledge or verification or validation. I have sent the credit bureaus multiple letters to please SHOW ME ACTUAL PROOF that I signed or used an insurance card or was seen in such known facility. The letter from ARS does not indicate such thing.. these same collections has been removed in XX/XX/XXXX and added back. I want proof or delete them.. I have asked numerous of times. I have also uploaded the correspondence received from ars the service dates are not matching what was placed on my credit! Please send me validation of records.. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2017-04-09 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: OH

Complaint narrative:
I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-05-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was involved in an auto accident and my car was paid off to Compass Bank. They misplaced a warranty check for three months, when they finally admitted there mistake they have refused to send an update to the credit bureau, which is ruining my credit. 
This bank has bully tactics and while they had misplaced check I continuosly received collection calls and the run around from this company. I hired an attorney and they have sent communication that they would remove this line item from my credit XXXX XXXX, the last regional manager informed my attorney on XXXX XXXX that it would be removed by 45 days .It is the XXXX day and it is still not removed. I have filed a complaint with the BBB, the attorney general, the banking commission, hired an attorney, now filed this with you. Hopefully this helps

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I called in to downgrade my Citi AAdvantage Gold card to a Citi Diamond card within a few weeks of the annual fee posting, and was told that the fee of {$50.00} would be erased by the time the next statement posted. It did not, so I called in, and learned that I would be refunded the fee " within 51 days of account conversion '', or XXXX XXXX, as the account conversion process does not begin for another few weeks, despite my old card already having been closed and my new card already been received. I will now have to pay the annual fee to avoid having my account go into default, even though they told me it will be refunded.

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 2016-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I filed in 2013 for a modification of my mortgage loan with XXXX XXXX XXXX XXXX XXXX. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from XXXX of XXXX branches. Thus, I sought help from XXXX Holder and now XXXX, CFPB and XXXX XXXX XXXX XXXX. The most recent was information showing on the deed that this loan is invalid. I sent a complaint also on XXXX XXXX XXXX union. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. XXXX knowingly deceived me by continuing to send letters stating they needed more time to research the matter. They then sold my loan to Carrington Mortgage Service, Llc. I notified Carrington of the dispute and supplied them with the deed and copy of the certified Lien release. In working with XXXX XXXX, they are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against XXXX XXXX XXXX for not releasing and invalid loan and making a sale to Carrington while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them XXXX XXXX XXXX XXXX, which is wire fraud and Carrington for going forth after I notified them. Also now that Carrington own the invalid loan, not giving me the lien release I requested. See case numbers Cfpb XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AK

Complaint narrative:
In regards to my previous complaint XXXX USBank was required to respond to my complaint on XX/XX/XXXX, they provided me with XXXX forms ( a claim form and affidavit which I have attached ). 
-On XX/XX/XXXX, I had these documents notarized and faxed. 
-I called them on XX/XX/XXXX and they stated that they had not received my documents. I refaxed and emailed them my fax reciept and the documents again on the same day. 
-On XX/XX/XXXX I spoke with USBank to XXXX in Fraud and was told that their e-fraud department would be getting in touch with me. 

I have not heard from USBank since and have not been reimbursed the escrow for which I was overcharged.

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