vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I paid my discover loan payment ontime as usual as confirmed by looking at my credit history I paid XXXX XXXX/XXXX/16 it is confimred by an email from Discover stating they received my payment, I also received a confirmtion number, and I have proof from my bank and a copy of the bank statement showing that discover took the XXXX out of my account on XXXX/XXXX/16 The payment was never applied to my account,, I called and they said there was a system update that caused problems with payments, the money was never applied to my loan, now I am receiving collection calls, and collection letters,, even though they said they will fix the problem they have not,, I faxed a letter to them on XXXX/XXXX/16 to the fax number I called and got from a Loan Manager, they have not replied or acknowledged they received it.. I sent copies of all the proof that the loan payment was paid, including the bank statement. This is now affecting my credit. I pay every month on time all my bills, now I am showing past due..I am so upset about this because there is nothing I can do about it. They will not correct the issue.. I have spent hours trying to correct this, I have done everything to correct this I have documents showing that the payment was made, and not just the payment but XXXX over,, I like to pay over the amount due. What can I do? my hands are tied.. I am now going to have poor credit. How do I make another payment, It will be due again in a few weeks, how do I make the payment and make sure its applied to my account. If having proof, a cofirmation number, a dopy of the bank statement showing that the paymnet was paid to Discover, a copy of the email and these things do not correct the problem what do I do??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: FL

Complaint narrative:
CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: URS Holding, LLC
State: TX

Complaint narrative:
This collection agency has called numerous times after I have repeatedly told them to stop. That I am NOT going to pay the amount they say I owe. At this point they ANNOYING AND HARASSING ME. 
I asked for their address in order to send a written cease of communication notice and did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: TX

Complaint narrative:
We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
Complete credit solution account XXXX opened XXXX. I never received proper notice of my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: IL

Complaint narrative:
This debt collector keeps on trying to call my father even though they have my number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Logan View LLC
State: OH

Complaint narrative:
My ex husband ( of nearly XXXX years ) was at the agency 's office to pay on his account. The employee asked if he wanted to pay on my account. She informed him he was also on the account. He told her that was highly unlikely as we 've been divorced for nearly XXXX years. She then told him how much I owed and what it was for. He then contacted me so that I could get it straightened out. I spoke the the manager of credit care in person. He said, " I do n't know how that could happen ''. I informed him that my ex knew all the private information, so it obviously did happen. He said he would investigate to find out who gave out the info and reprimand them. 
He agreed that it was a violation, and apologized for my experience. 
It was embarrassing that my ex was privy to my medical and financial information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 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: URS Holding, LLC
State: CA

Complaint narrative:
I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
Checking my credit report XXXX Carrington Mortgage Company has place that I have filed bankruptcy. I have explained to these Credit Bureaus that I have not filed bankruptcy however they continue to come back after I dispute it saying that Carrington Mortgage will not remove it. I have called them and they are not fixing. 
My second issue is, XX/XX/XXXX 2015 I asked what the balance of my escrow account. The rep told me the balance for this year was {$1100.00}. I gave her my credit card number and asked her to pay my escrow in full, which should decrease my monthly payment to {$770.00} which is the interest and principle. The next month my statement showed a credit that was applied to my payments instead of the escrow account. I called and spoke to a rep and explained the situation over again. They said they would investigate it. I did not pay them for XX/XX/XXXX 2015 the month that they showed the payment for because I was pending the result from the investigation. In XX/XX/XXXX 2015, two months later, they finally reversed the payment and put the {$1100.00} towards my escrow. When they did that I they began to show my account late and charge me late fees and my payment remained the same, actually going up to {$890.00} from {$870.00} when my account was at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Read the fine print. CD came due and I missed the due date. Starting calling service number but put on hold for extended period of time. Finally went to bank in person after being unable to contact bank by phone. CD automatically renews for 18 months if you do not contact them which is fine but the interest rate is .25 percent and a penalty withdrawal of XXXX plus XXXX % of the amount. Which in my case would be approx. {$4500.00}. I would think to be fair the interest rate should be at least equal to previous rate and not such a low rate dertermined by the bank. I ask for either waving withdrawal penalty or matching the origional rate. Bank manager said they would check and call me. Never got a call. Contacted band and was told it had been longer than 30 days and their legal department determined that is was locked in at the low rate. Ca n't believe CFPB would ever let a bank write a contract like this. So one sided, puts the consumer at a complete disatvantage. The CD is with BBVA Compass bank in XXXX Az.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has had me submit the same documentation for 6 years and then transferred my file to Carrington Mortgage Services and now trying to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
My mortgage was sold by XXXX to Carrington Mortgage. Upon notification I stopped the auto- draft from my checking that paid XXXX , so that I could pay Carrington XXXX Payment was made on the XXXX of XXXX by me. The auto- draft followed my mortgage to Carrington anyway and another payment was drafted in the XXXX of XXXX. When I realized this occurred I contacted Carrington who gave me a list of fax numbers to send my checking account summary to demonstrating the double draft. I did so. On the following Monday, three days after my first call, I called back and was told that all had been received and that my check for reimbursement would be here on Wednesday of the same week. Wednesday came and went. I gave it Thursday and nothing showed up by XXXX so I called Friday. I spoke with several different people- again they say they see where I was told that but do not know why I have n't received it. I was transferred to a supervisor whose name was XXXX, who promised to make my case his mission and call me back. He did not. All calls to him have gone to voicemail, and I have spent most of today listening to a system down recording. Finally I get through and after XXXX minutes in their VRU I am told to call back during normal business hours, which are XXXX to XXXX est M-Sat. It was XXXX on Monday afternoon. I have other accounts that have not been paid because of their inability or unwillingness to return my money to me. I am starting to wonder if they have just closed up shop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
We got a little behind on our mortgage while under a Chapt XXXX bankruptcy, we missed some payments leading up the Mortgage Company contacting our attorney to file a default. The attorney contacted them and they stated on or around XXXX XXXX that we would have to make a {$6500.00} cashiers check payment to them in order to bring our account current. We scrounged around and sold some things to get the money and mailed it to Loancare overnight on XXXX/XXXX/XXXX. Ever since that date, I have made all my monthly mortgage payments to them. After the chapt. XXXX was discharged on XXXX XXXX, they all of a sudden are stating that we missed XXXX XXXX payment. I clearly show it being paid on the attached word document in XXXX XXXX. I have called them and they said to give them a years worth of proof that I have made all my payments from the XXXX XXXX til XXXX. Again that is attached to what I sent them ( 2 TIMES ) with no response. They are currently reporting fraudulent statements on my credit report that according to my records is false. They are also sending threatening letters stating that we are 2 months behind everytime I do n't make my payment on the XXXX. I have a 15 day grace period on my original loan documents and if I pay it on XX/XX/XXXX, should NOT be assessed any late fees. I am paid on the XXXX of every month and that is the check I use to make my mortgage payments. I have a QWR under RESPA guidelines all typed up that I can mail them in case they do n't respond. Just email me and I will send CFPB and LOANCARE certified copies Priority Overnight. Hopefully you can assist in this and bring a closure to this on going battle I am having. Threatening phone calls and letters can provide a very stressful environment to myself and my family.

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 2015-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
My balance was paid in full on XXXX/XXXX/2015 resulting in a balance of {$0.00} and interest was charged on XXXX/XXXX/2015 even though the balance was {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
rash Curtis & associate tel XXXX address XXXX XXXX I run my credit report in find out they had put me on collections explained the it was n't me they still keep saying it was me they had used somebody else information it linked with my I had a police report mailed to them and I had also disputed on XX/XX/2017 I had ask rash Curtis to send me all ER bills and you can see this person it is not me and they know that so I wanted to make a complained for this company run my identity not having enough proof they just because this person had the same name I did this is totally against the law my name is XXXX can you please help I could send the police report XXXX already has the dispute and I also have a copy so I dont't know what to do this people are not understanding I 'm been a victim a identity theft I have the police report and dispute but I need to scanned if you need it could be available for you as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
They took the car I do not owe them anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted in XXXX of XXXX from a company by the name of XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, TX XXXX for the collection of credit card debt, the representative 's name was XXXX XXXX. The contract/settlement agreement was for {$2100.00} from XXXX until this amount was paid in full. I provided my bank account information allowing an auto draft of {$75.00} to be deducted each month. This company informed me that I would be notified once the debt was paid. This did not happen, this company collected an additional {$1200.00} from me, which resulted in having to close my account, and report this to my bank as fraud. I did not discover this until XXXX of XXXX. I was completely taken advantage of and exploited. All I was trying to do was settle this credit card debt out of court. I tried multiple times to reach out to this company, however ; they no longer exist. This is a violation of my consumer rights and I need to file a complaint.

Company response to consumer: Closed with explanation