vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I was in the hospital in XXXX of 2015 I XXXX, I was taken to XXXX hospital in XXXX, Calif and XXXX to the XXXX in XXXX, XXXX where there I was in a XXXX for three weeks. I am a XXXX patient and they have paid all of my bills and pre approved my stay. I received a bill from Healthcare Revenue Recovery group. Stating that I owe XXXX and if I do not pay it in 30 days they are going to file a judgment against me. I have called them at first they were not going to give me the creditor information, I have called all XXXX hospitals and physicians and all have said I have a XXXX balance. I do n't know what this is but a scam, and now they have my information please help 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 2016-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LendingPoint Holdings LLC
State: MT

Complaint narrative:
Quoting them, your first loan application, the data entry person hit the wrong key. I reapplied, the soft pull indicated that your credit report exceeded their pre-set limit of number allowed credit inquiries. No win circumstances. Next, it will be because of XXXX. XXXX ca n't win.

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
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I had my payments set up on auto pay, one month without notice my payment was sent back and I did n't notice. I then became late. I did n't realize the money had been returned to my account. I then call in to find out what was going on and tried to make a payment over the phone. They told me the address had changed and they no longer accepted payments at the address that I sent the payment to. I could n't pay two months at once and they would not accept one full months payment. I updated the address and sent a payment online. My complaint is that they sent a payment i made back anf then refused payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I refinanced my loan, and had an escrow balance of {$1900.00} to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me {$100.00} and only paid me {$1800.00}. I called and they said it was Mortgage Insurance paid on XXXX/XXXX/16 when my refinance closed on XXXX/XXXX/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.

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 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account in good standing with Simple bank. They misunderstood my comment that I am often abroad and misconstrued this as me living abroad permanently. They have decided to close my account while I am having XXXX done at the XXXX Hospital in XXXX. I have re-iterated to them that I am permanently resident in the USA in the state of CA and they have no cause to close my as account. They understand this but will not correct their mistake. I am very unhappy about this situation. I am XXXX and having XXXX and they are closing my account even though they admit there was clearly a misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
In XXXX 2015, I received notice my loan was transferred to yet another loanServicer. On XX/XX/2015 I contacted Loancare and asked if I was on auto pay, they said no, so I paid via credit card for extra XXXX for XXXX loan payment. Then onXXXX/XXXX, they took via auto yet another loan payment. thus followed many calls, emails, ticket # 's, demand for bank statement to prove money went through. Itended with me agreeing and being promised XXXX payment would go towardsXX/XX/XXXX loan payment, and it said so via phone auto report. So today I look atmy bank account, and they took yet another loan payment out, I called and gotmore run around, and they want bank statements. I told them if they had notreceived the funds, they would see an NSF! They put me in the hole! I have nomoney left after that debacle in XXXX, my car needs transmission work, Ineed my car to get to work, to pay my bills, this servicer also changed theirweb site so there is no option to opt out of auto pay. So I contacted my bankand put a block on them and filed many complaints with them. According to theauto account report, I am paid through to XXXX, so yes, they have theadditional funds, and they need to refund me this time, I can not wait. That wasmy whole check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
My wife and I have had a home mortgage through XXXX XXXX XXXX for the last 5 years. 

XXXX XXXX XXXX notified us on XXXX XXXX that our mortgage was being transferred to Carrington Mortgage Services on XXXX XXXX, which I believe is less notice than required ( is n't it 15 days? ) Carrington has not contacted us at all about this transfer, and it is now XXXX XXXX. We want to know what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have a home equity loan with a company in XXXX, XXXX, Loan Care, who is horrible. Dealing with them has been a nightmare in general. Reaching them on the phone is difficult at best. I can almost never get in touch with a human being ; their automated phone system has perfected the art (? ) of the runaround. Back in 2009, I was told that I was {$13000.00} in arrears ( no foreclosure proceedings had been instituted ). My husband sent them the {$13000.00} and it was not applied to the loan ; it was put " in suspense '', whatever that means. I STILL have no idea where it went. My husband requested a copy of the original loan and we were sent a copy of the loan for someone in XXXX. We had very expensive plumbing problems this last year and got a little behind, so of course they began foreclosure proceedings. Well, that has been " resolved ''. The latest trick is that we have tried no less than XXXX times to request a payoff amount so we can get rid of the headache that Loan Care is, but I have yet to have received it. And again, it seems to be impossible to speak to an actual human being. To add insult to injury, they are also impacting my credit report. My congressman 's office tells me you can help me. I hope so. Please let me know what you need from me. 
Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
COMPAINT AGAINST US BANK HOME MORTGAGE My name is XXXX XXXX XXXX. U.S. BANK is the holder of my mortgage. I bought my house in 2009. One year later I find out the house was not in compliance with the local township. I spent more tha {$20000.00} to repair violation which was overlook by the bank inspection. As a result, I fell behind on my mortgage. 
For over two years I have been trying to get a mortgage modification. U.S. bank has been IMPOSSIBLE to deal with. U.S. Bank Agent XXXX XXXX has been using all the XXXX tactic to delay and denied my modification. 
U.S. Bank Agent : XXXX XXXX # XXXX ext XXXX I need a modification. Please help XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
So in XXXX I was in Florida on Vacation while someone used a fake debit card to withdraw {$800.00} from XXXX ATMs. XXXX which was a US Bank ATM. I contacted US Bank as soon as I saw this the Monday that I was back. From there they conducted an investigation that took until XX/XX/XXXX to tell me that I was denied. When I called them a lady who has never seen me in person handling my case told me that I was verified on film. So I gathered my plane ticket, as well as credit card statements proving that I was in Florida and not Nevada at the time of the incident and went to my local branch so that if their was video they could see it was n't me and I had documentation to show it could n't have been me. That was in XX/XX/XXXX where I asked them to reopen my case. From there I called about every other day with no response from my case processor until XXXX XXXX, 2016. She told me that it is on film and to contact metro if I had a further dispute. So I contacted metro, and filed a police report. At that time I learned that cards were being skimmed from the US Bank ATM 's in my area, which the bank failed to mention during their investigation. They also told me that because so much time had passed that they could n't do anything, but that XXXX people had been arrested. I do n't think it is fair that I am out {$800.00}, which is significant to a XXXX, when they were provided documentation that it could n't have been me. They also drug it out so that I could n't get help from the police either. I thought they would be investigating that they allowed someone to take out my money that I entrusted to them, from their ATM, using a fake card. At this point I feel that it is their responsibility to correct the problem and go after whoever they have on film that they allowed to take my money.

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 2016-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
My father and I are on a FHA home mortgage through U.S. Bank. Having fallen behind on monthly payments due to a loss of income due to the separation between my son 's mother and I, my father and I began talks with U.S. Bank representatives for their loan mitigation services XX/XX/XXXX. Since that time, we have not made any progress with the loan mitigation as far as a resolution, and have even used XXXX separate " relationship managers. '' Around XX/XX/XXXX, they denied our request andsent us to foreclosure, informing us that we could no longer make monthly payments. Soon after, we re-applied, were accepted, and began talks with our XXXX relationship manager. We resumed monthly payments until XX/XX/XXXX. Again, after much deliberation on the part of U.S. Bank and our then relationship manager, we were sent once again to foreclosure, due to claims that we did not provide proper income verification. We applied yet again XX/XX/XXXX, were once again accepted, but during the same week, were served with court documents from U.S. Bank as plaintiff in regards to the foreclosure of our home. WE are unsure as to whether we are being placed in foreclosure or continuing with loan mitigation.

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 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly sent correspondences to Experian regarding accounts that they are reporting incorrectly. I have repeatedly asked for the methods in which they " verified '' the information they are reporting. If they truly would investigate these accounts, they would see the errors.Their lack of response and continuous reporting of these erroneous accounts have severely impacted my quality of life and ability to become gainfully employed, as well as find a home for my family in a safe neighborhood. 

The accounts I am disputing are : 1 ) XXXX- Not my account 2 ) XXXX- incorrectly reporting a balance of {$630.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 30 days late on XXXX 2014 4 ) XXXX- Incorrectly reporting a balance of {$1500.00}. 


They have also failed to mark my the accounts as " disputed '' on my credit report within the 30 days of receiving my letters, as required by law. For these reasons, the only satisfactory outcome is to have these accounts deleted from my credit report.

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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
According to Experian there is a XXXX account in my name that was opened before I was even born ... I have no idea what this is as it is not mine and I am afraid it is identity theft.

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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I first requested my free yearly credit report from the government web site in XXXX 2016. Experian said they did n't understand my request. 
I just today made my 3rd request for that same first report.Experian is again asking for ID I have already provided twice before. Can you help me get my reports from these XXXX? 

Thank you.

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