vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX XXXX I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by LoanCare, XXXX. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.

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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My loan was sold ( again ) and serviced by Loan Care. This company is a nightmare, it is supposed to be a servicing company but they do n't provide any service. Recently I tried to log into my account to retrieve my statement ( I had signed up for online delivery ). Password resets and emails did not work so I called during the day. After significant attempts to reach someone ( there 's no option to talk to anyone ) I find out that their recent update made their website incompatible with XXXX. All the customer service rep would say is that I have to access through a PC. And his only solution was to email me my statement through unsecure email. He hung up before I could have the delivery changed to mail instead of a website I ca n't access. There was no mention of when it will be fixed nor any genuine concern or apology for their errors.

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 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass - I have called them XXXX times in last XXXX mo 's to get my payments to them on time. They start then stop sending me paper statements. They do not post my payments as I instruct them too. Their customer service is horrible with long phone wait times, disconnects, and lying to me about submitting my requests. I am sending in additional money to pay this XXXX yr. note off faster. They refuse to refinance me at lower rates, due to a XXXX year old bankruptcy, They put my loan in there bankruptcy dept. Which it never should have been. I can not determine if the additional principal I send them is being applied. I can not get there representatives to explain it to me as well. Every month it is a different problem. Now they say there is a XXXX $ fee for submitting payment over the phone. 
When I complained - they said " oh your right - there is no charge ''. I have XXXX years to go on this loan, but do n't know what I owe or when it is being corrected as far as the Additional principal is concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been paying my mortgage religiously ( even when i was XXXX by the Government ), we refinanced our VA loan in XXXX XXXX and were told that our payment would not be due until XXXX XXXX ( which we made ). Never paid much attention to our credit report because we were n't making any purchases ( houses, cars, etc ) but when my car went belly up i was surprised at my high interest rate on my car loan ... .so i had my credit looked at by a financial planner friend of mine. 

And low and behold, LoanCare " services " filed on me not paying my loan in XXXX XXXX, my credit score dropped almost XXXX points and has caused my car loan rate to be higher and blocked the ability to buy another house if i wanted to in the next 4 years.

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 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Immediately after purchasing my XXXX home in XXXX, my mortgage loan was sold to LoanCare in VA. Since then they have put me through the ringer for trying to lower my monthly payment, knowing full well they were overcharging me for a small home in FL. I spoke to no less than XXXX people during the month of XXXX ( beginning on the XXXX and ending on the XXXX ) to do just that attempting to do the right thing in following all of these people 's directions. They were extremely inconsistent in that each person I spoke with had a different take on why I could n't achieve the desired result. I first paid {$1700.00} for the month of XXXX, then {$1500.00} for the month of XXXX, then finally {$1300.00} for XXXX and, which they say, will remain the payment going forward. They insist part of the payment go towards homeowner 's insurance which I already paid in full for the year XXXX XXXX XXXX XXXX ). They will NOT refund me that payment and continue to extract that from me. In addition, I also prefer to pay my own taxes, but they refuse to delete the escrow account ( claiming a ridiculous fraction of an amount between loan and equity ratio ). I can, and have, paid these XXXX items on my OWN and prefer to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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:
i just see a debt on my credit report thru ars from 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 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage loan servicing company ( LoanCare, a XXXX company ) website, www.myloancare.com has been down for days. 

I am simply attempting to make a a payment. This seems to happen often, usually around the end of the month. When I call the customer assistance phone number, I spend 30-40 minutes on hold, only to be told that website is fine. It is not operational, however, and I can not submit my payment. 

Please help! Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: FL

Complaint narrative:
I originally owed a debt to XXXX XXXX, their credit card. I had difficulty due to the economy. I had been working with XXXX debt co but they sold my debt. Ultimately the debt was purchased be XXXX. They began garnishment without allowing me to resolve my debt. I sent them a money order for the full amount. I had to call back but they sent me a letter that the debt had in fact has XXXX satisfied. Then I 've received XXXX with what appears further court action. They are XXXX. After a XXXX search I discovered they allXXXX have been sued for their practices as they were or are in business together. After I read the suits and that you have won a suit against them all, I decided to make you aware that they are still at in in XXXX and XXXX 2016. Hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NCC Business Services, Inc.
State: IN

Complaint narrative:
While attempting to refinance my home the title company has come across XXXX liens on my property that appear to be filed by the collection agency to collect a debt that was not my debt originally. Thus debt tagging is what appears to be taking place. I have notified them directly to assist with taking care of this illegal practice. 
I have also attached the documents that I have submitted to them directly. 
I had an incident in XX/XX/XXXX from XXXX collections to try and collect a debt that was not mine. In all instance our names are similar.

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 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I have been contacting my mortgage loan company, LoanCare, since XXXX XXXX in order to get my house taxes adjusted to the correct amount. I have sent my loan company my correct tax information multiple times, called and emailed to follow-up on the resolution. It is XXXX XXXX and they have yet to resolve my issue. They do not respond to complaints sent via their website. I have now been emailing them but they are not getting back to me within the time frame they say they will resolve the matter. It has been far too long, and I need resolution so that I do not have to come out of pocket again when the tax bill arrives.

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 2016-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My Mortgage lender, since 2012, has been XXXX Mortgage. I am attempting a refinance with another company. My credit score is around XXXX and all is in order. XXXX Mortgage lists me as current and up to date. Unfortunately, LoanCare is reporting me as over 120 days delinquent on the same loan held by XXXX Mortgage. With this blemish on my credit report, I can not get the funding for the refinance.

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 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp.
State: WA

Complaint narrative:
I found the debt on my credit report from Armada Corp and when I called the amount was a lot more than listed on my report. They stated it is interest they have been collecting. I told them I was never informed they were making interest off of this balance. I was under the understanding that if people or companies are going to charge interest on a debt, they have to inform the consumer. I do n't believe that a consumer should have to pay interest on a balance the company does n't communicate to you. As long as you do n't look at your credit report they will just keep charging and the consumer has no idea. I do not have anything in writing to attach because I never received anything in writing.

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 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: CT

Complaint narrative:
I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill. 
He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up. 
Call was from 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 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Residential Credit Solutions, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX, RCS AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: CA

Complaint narrative:
National Principal group company on my cell phone first there automated messages stating to contact them or my legal advisor. The second I spoke with a gentleman name XXXX stating I owe a pay day loan from 2010 and he had my name the last XXXX digits of my social security and the name of my bank and the wrong last digits of my account. He stated I owed {$700.00} and XXXX XXXX dollars is late fees. Also, stated I can just pay {$300.00} and I told him to send me the information e-mail. I received the e-mail and the only way I could open the attachment if I entered the last XXXX digits of my social security number. I never applied for a payday loan from the company he stated XXXX XXXX. The call is fraudulent using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/2017 my son went to the ATM to deposit {$600.00} in money order and {$59.00} cash. The machine only took the {$600.00} and {$30.00} cash and he went to the counter to deposit the {$20.00} cash. I checked my account and nothing was posted. I went to the branch and they said nothing was out of order. I have my money order receipt for the transaction.

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 2017-01-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to use my credit card today, XXXX XXXX XXXX, but it got declined. I called the credit card company US Bank only to find out that my card is delinquent and that I have a balance due since XXXX XXXX. However, I never received the XXXX statement even though I received the XXXX XXXX statement and paid it off in full. If you check my record, I have always and consistently paid off my credit card balance on time and in full. Because I never received the XXXX, XXXX, nor XXXX statement, I have accrued {$110.00} in late fees and interest.

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 2015-06-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
credit card company is harassing me on my job, I do n't even know how they got the number they call our general number and have left messages with my coworkers which has caused me numerous issues.

Company response to consumer: Closed with non-monetary relief