vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
My mortgage was sold from LoanCare to XXXX over a year ago now, my payment for XXXX 2015 was sent to LoanCare, but was never forwarded or returned to me. I have called both XXXX and LoanCare for resolution and they continually give me the run around, I have multiple tickets in with LoanCare regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, XXXX is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at XXXX that the truth is they would never do anything about it. Essentially LoanCare and/or XXXX is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare became the mortgage services company for my existing loan, to be effective XX/XX/2016. LoanCare provided no correspondence prior to the due date. I received a letter from the old mortgage company, and submitted payment to the address on the letter so I would not have a late payment. I confirmed with my bank that the payment went through XX/XX/XXXX, and resubmitted it XX/XX/XXXX. Each payment was for {$3800.00}. On XX/XX/XXXX I received a statement stating no payments had been received since XX/XX/XXXX. I called customer service after checking with my bank, and advised them I had proof of payment. I was told that I need an electronic statement from my bank, but XXXX XXXX told me that the proof of payment I provided was all that could be submitted. It was determined that the account number which I had on my payment was the incorrect account number and my payments were credited to someone else 's account, but LoanCare refused to make the correction at that time. The representative told me " How can we be sure you did not mean to pay someone else 's loan instead? ". To be clear, my account showing was past due for XX/XX/XXXX and XX/XX/XXXX, and they had my payments for XX/XX/XXXX and XX/XX/XXXX, which came in with my name on them, and my home address matching, and this was their response. Additionally, I informed them that I was upset to never have received a phone call, which they argued with me stating they did, treating me as if I am a liar. I have all of the call logs through XXXX and they never called once. I was told I would receive a phone call to confirm that the issue was resolved, but they never called me back. I was assured by Customer Service Rep XXXX # XXXX that this would not be reported to the Credit Bureaus, but I learned on Sunday, after having my credit limit dropped by XXXX, that in XX/XX/XXXX, they have reported my account as 60 days past due, and that has resulted in my score dropping from XXXX to XXXX. This has an immediate and very serious impact on me and my husband and it is through the carelessness of LoanCare. 
Furthermore, when they made the adjustments to my account, I do not believe they appropriately adjusted the interest and they are over charging me for 60 days on {$330000.00}, even though they were in receipt of those funds on time. 
Additionally, I have provided my contact information multiple times and it still does not appear on my customer profile. This is negligent and increases the likelihood that this type of problem exists for their customers.

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 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
Well i am a XXXX year old woman who is on her own and needed to get back and forth to work. I went to right way automotive credit because i had XXXX credit and could not get accepted anywhere else. At first everything was great, until i realized that i was scammed and got a car only work XXXX and was charged XXXX. I have nothing but issues since i drove off the lot. within the first two weeks i had to get my fuel filter replaced because it was super rusted and it had a hole in it. i have gotten the car in XX/XX/XXXX it is now XX/XX/XXXX, i have had the car for a total of 4 months and a rod in my engine blew. now i am XXXX in the hole for a car my insurnace and XXXX quoted was only worth XXXX in Excellent condition. i have no idea what to do. i was taken advantage of totally. no one should finance an XX/XX/XXXX XXXX with XXXX miles on it for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: NC

Complaint narrative:
Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
I had a medical bill which was settled via legal action in full on XXXX/XXXX/2012 yet the Credit Bureau of Bessemer somehow bought the settled debt and has reported it ( 1 ) wrongly on my credit reports as the date they say it was incurred keeps changing and ( 2 ) when written via certified mail to send verification failed to do so three times. Yet when XXXX investigated it ( twice ) they somehow verified it to them ( not XXXX as they took it off my report for lack of verification ). So what gives? Even without verification of a non existant debt this collection agency can say one owes a debt to a credit reporting company and they will accept it with no documentation only the word of a XXXX debt buyer who pays XXXX cents on the dollar for accounts that may or may not actually be past due?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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: TX

Complaint narrative:
On or about XX/XX/2013 my wife and I entered into a contract with XXXX home security services, this was a 3 year contract, approximately one year into my contract with XXXX, a XXXX home security services representative showed up at our door selling their version of home security, I immediately informed the rep we were in a binding contract with XXXX for 3 years, the XXXX rep stated that was not a problem and the XXXX rep stated his company XXXX will do what is called a take over, well we know that was a lie, 8 to 9 months later I get a call and a letter requesting why we backed out on our contract with XXXX, no problem XXXX took us back and waived all late fees and all missed payments, I sent XXXX several cease and desist letters, each time XXXX ignored my request to be left alone and to stop harassing my wife and I. now XXXX has turned this issue over to a company called Focus Receivables Management , LLC. XXXX Ga. XXXX, Phone XXXX my wife and I were duped into thinking this company XXXX was a company good upstanding company, we would very much like to stop XXXX from harassing my wife and I and to stop XXXX and Focus Receivables from passing this illegal account on to other collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I started my mortgage modification with my previous mortgage company in XXXX XXXX ; my loan was sold and my new mortgage company took over in XXXX XXXX. I have made over XXXX phone calls since XXXX XXXX requesting a modification, numerous faxes, over XXXX documents submitted. In XXXX XXXX, I was informed that because my previous modification took place in XXXX, I would have to wait until XXXX XXXX in order to be qualified. We are approaching XXXX XXXX, and I am still waiting for my modification to be approved. This process has been frustrating ; I have been lied to on several occasions. I am disgusted. This processs has created an environment of ongoing stress and instability in my home. I need help. This is the second complaint filed with this office.

Company response to consumer: Closed
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
On XXXX XXXX, 2016, I received a phone call from SLS who is servicing my mortgage. They called to inform me that I had not made the XXXX payment. After consulting with my wife, we realized that we had not gone online to make the payment as we normally do. For the first time in 13 years, we missed it. So, I told them I wanted to get caught up and could give them payment information over the phone. She took it and then offered to set me up on EFT. I agreed and gave the corresponding account numbers. After I provided all the information, she told me the account would be up to date within 24-48 hrs and then on EFT going forward. On approx. XXXX XXXX, I received a notice from SLS that my mortgage was going into default and I called them immediately. I was then told that my account was not set up on EFT and they had mailed a notice to me in XXXX. I never received a notice in XXXX and assumed my account was functioning as we had set it up. First, I told them to take two payments and get my account up to date. They agreed to waive the late fees, but I was still not happy that they had removed my account from EFT after we had set it up. They told me there was n't enough time to get it set up for the XXXX payment, but that they sent me notification in regards to that payment. Again, I never received anything in the mail to this effect and was not happy they did n't bother to call. They called me in XXXX when it was late, why did they let it go for nearly two months and not call me again? Why did they rely on the mail when this is such a serious matter? The representative kept telling me they did their part by mailing the notice and I told them it was irrelevant because I never received it. I was also concerned they were going to ding my credit so I asked about that. They told me it would be reported so I requested to speak to a manager. As far as I 'm concerned it was their fault the payment was late and since I would expect to call when a payment is missing as they did in XXXX, they should have done it again in XXXX, especially after telling me I 'm set up on EFT. She said their was nothing they could do about it and it was not their fault. I take great care in watching my credit and this is completely unacceptable to me. I did nothing wrong and they have inconsistently applied their follow up procedures. To my surprise on XXXX XXXX, I received a letter in the mail stating that my account had been removed from EFT. XXXX XXXX!!! Nearly two months after they said they mailed it. I want the credit ding rescinded from my account or I would like to know what my legal options are. I have already moved my account to another mortgage company, but this remains unacceptable.

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 2015-11-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: MI

Complaint narrative:
Long issue condensed:1. Debt collector ( Enterprise Recovery Systems XXXX Inc. ) sends letter to me XXXX/XXXX/15 with 30 day deadline to respond. 
2. Response letter ( offer to settle account valid until XXXX/XXXX/15 ) from my attorney sent to ERS XXXX/XXXX/15 via fax and US mail. 
3. No response from ERS. 
4. ERS places file on my consumer credit reports XXXX around XXXX/XXXX/15. 
5. I call to follow up on why that happened, as my offer to settle on XXXX/XXXX/15 was never responded to. Spoke with XXXX XXXX XXXX/XXXX/15. Explained that I do not owe the debt, as it was discharged under XXXX subsequent to my unanswered offer to settle. Offered to send proof. XXXX was supposed to investigate and call me back. No response. I called several times and left messages on XXXX ' voice mail XXXX, XXXX and XXXX. No return calls. 
6. I file a complaint with Michigan Attorney General around XXXX/XXXX/15. 
7. Call from XXXX XXXX XXXX Ombudsman XXXX for ERS on XXXX/XXXX/15. Says she 's following up on my complaint. Offered to send proof of discharge. She gave me fax/phone number to do so. 
8. XXXX and XXXX faxed proof of discharge to ERS. 
9. Called XXXX XXXX, XXXX & XXXX to follow up on fax. Left messages on the XXXX and XXXX with no response. Finally spoke with XXXX on XXXX. Stated she did not receive any faxes from me. Asked for her email address to resend. 
10. Sent email with attachments showing proof of XXXX, XXXX & XXXX faxes in addition to XXXX letter. Requested from XXXX, but did not receive, receipt confirmation of email. 
11. Called XXXX XXXX/XXXX/15. She stated that she did receive my email and that she forwarded it to their client, XXXX Michigan University, for review. 
12. I asked her when she anticipated a response from XXXX. She stated she would follow up on Monday XXXX XXXX/XXXX/15 XXXX. Told her that I would call her on XXXX/XXXX/15 to ascertain XXXX 's response. 

Conclusion : In light of all the lies, deception, wanton neglect, I do not trust that ERS will or has followed through with anything they claimed they would. I have repeatedly called this business -- sometimes receiving busy signals, people picking up the phone then hanging up, denying receipt of faxes and mailed documents, etc. They are extremely unprofessional and inefficient. Meanwhile, THEY HAVE REPORTED THIS ACCOUNT TO THE CREDIT BUREAUS AND CAUSED MY CONSUMER CREDIT SCORE TO DROP BY XXXX POINTS!!! ERS sent me a letter dated XXXX/XXXX/15, where XXXX issued a weak apology for human error as to why the XXXX letter was never responded to. Nonetheless, as it stands, ERS ' negligence has caused me to lose out on business opportunities and I want this account to be removed from my credit ASAP! 

I can send CFPB proof of everything asserted in this complaint. I am frustrated and need intervention today. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: FL

Complaint narrative:
Please have this company cease calling my private home phone number. I am not the person named XXXX XXXX that they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: CT

Complaint narrative:
I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: Focus Holding Company
State: TX

Complaint narrative:
Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: AR

Complaint narrative:
This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on 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 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Johnson Mark LLC
State: UT

Complaint narrative:
In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my equifax work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!! I have documentation to support this, and can send copys by email. Also XXXX XXXX responded to XXXX complaint and they stated in a letter that {$35.00} was refunded to me on XXXX/XXXX/XXXX for the garnishment that was completed on XXXX/XXXX/XXXX???? Ummm that dont make any sense

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: Focus Holding Company
State: AL

Complaint narrative:
I purchased a termite pest control protection plan from XXXX XXXX XXXX XXXX and/or XXXX XXXX, which was financed with XXXX loans through its finance arm XXXX XXXX XXXX. Because XXXX did not provide the XXXX, I stopped paying the finance installment agreements. The alleged debts were sold or transferred to Focus Receivables Management, who has admitted in writing that the debts were " in error, '' only after reporting them to credit bureaus and sending me letters asking me to pay. Focus will not verify or validate the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.

Company response to consumer: Closed with explanation