vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I made a payment to Carrington Mortgage Services , LLC for my mortgage payment on XXXX/XXXX/15 ; including the late fee ; and Carrington has since marked my credit reports 30 days past due for XXXX and XXXX, and XXXX payment is not yet 30 days past due ( current date XXXX, note date is due on XXXX, XXXX day past due would be XXXX ) I would like for Carrington to resolve their violation of the FCRA by correcting the reporting on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: FL

Complaint narrative:
After numerous attempts to contact XXXX and XXXX of company reporting on both agencies, the said company " Account Resolution Service '' A.K.A " ARS '' listed on my credit consumer reports will be removed and then reappear weeks later. 
Cat and Mouse game. 
" ARS '' is now reporting as an original creditor, fraud! 
I have never signed a contract nor do I have acknowledgement of any service, product or repair with " ARS ''. 
I have informed XXXX and XXXX of this information, but still remains? 
Is it fraudulent of ARS to report as an original creditor when they are not? 
Also, why is n't ARS showing me a signature page that I have requested?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My mortgage was paid through the sale of my home. The balance paid resulted in an over payment. BBVA Compass indicated that they were to issue a refund to me, for {$1200.00} processed on the XXXX. I contacted them on the XXXX of XXXX to inquire where my refund was. I was told that the check was mailed on the XXXX of XXXX, and that I needed to fill out an affidavit of indemnity for them to reissue payment, and that they would directly deposit the funds afterward. I did so, and then followed up with them, at which point I was told that they had mailed the check a second time rather then placing it in my account. They indicated they would stop the second check and then deposit funds, and that I should hear back on the XXXX confirming the same. I did not hear from them, but did receive the first check on the XXXX, which they failed to mail until the XXXX despite their representation. It is absolutely unacceptable that they could not simply tell me that they had only mailed the check two days prior from Alabama. I would of course been upset that it took them that long, but this whole ordeal and comedy of errors could have been avoided. I called back again on the XXXX, and was told by a supervisor that my funds would be in my account Friday after business hours, the XXXX. On top of that, they mailed my 2nd check to the wrong address. I did not receive my funds as promised. I called them again today, and they of course ca n't get a supervisor on the line. I was told they would have a supervisor call me, and I have not received a call. I have tried dealing with them and I am fed up. If I owed this bank a delinquent payment I would be assessed fines and collection calls. This is ridiculous that they ca n't competently process a refund, and continue to make false promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for. 

I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account. 

The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble. 

I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance. 

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
Consumer complaint received 2016-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: URS Holding, LLC
State: FL

Complaint narrative:
I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. 

However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. 

At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? 

The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. 

I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: GA

Complaint narrative:
Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. 

I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. 

The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. 

It has now been ringing for XXXX seconds.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX in XXXX Colorado subbed out my mortgage processing to Dovenmuehle Mortgage. On XXXX XXXX, 2015 I sold my house and XXXX requested a mortgage payoff. Dovenmuehle provided a mortgage payoff of three month MIP when it should have been two months. They required that we pay {$1200.00} when I only owed {$840.00} for an overpayment of {$420.00}. We discovered this error on the day of closing, but they required we pay the incorrect amount and told me that they would refund the difference when XXXX XXXX wired them the incorrect amount on XXXX XXXX, 2015. I spoke with Dovenmuehle by phone on XXXX XXXX, 2015 asking when I would get my check and they told me that even though they had not sent the mortgage balance to HUD, they would not refund my {$420.00} overpayment and stated that I would have to contact HUD. The second complaint is that Dovenmuehle withdrew from my escrow account on XXXX XXXX, 2015 {$1600.00} for Property taxes and as of XXXX XXXX, 2015 had not paid it to the XXXX County Treasurer. They refuse to refund the {$1600.00} even though they have not sent it to the county and XXXX had to withhold this amount as part of the closing process. Dovenmuehle owes {$2100.00} that they refuse pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: NH

Complaint narrative:
I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? 

Thank you so much,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
My mortgage started with XXXX in XX/XX/XXXX and was bought out in XX/XX/XXXX from Planet Home Lending. This company has declined my bill pay payment repeatedly which in turn caused late fee 's and possible foreclosure. I had to send a wire to make up for everything and this still continues to happen. The mitigation department has not helped in getting this payment paid to my mortgage and there for has caused more fee 's and possible foreclosure again. They have ruined my credit. There business practice are damaging to hard working people. They do not provide me with any proper instruction to make and payment and there bank are having major delays in returning my funds so I can have them debit my bank account to make the payment on time. I want fee 's reimbursed and the company to move my account back to XXXX, a company with respect.

Company response to consumer: Closed
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: MD

Complaint narrative:
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company
State: PA

Complaint narrative:
I requested a debt validation letter to validate a debt from the original creditor from a company called Focus Receivables. The agency informed me that it does not fall within my right under FCRA laws to request 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 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jacob Law Group, PLLC
State: TN

Complaint narrative:
Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NC

Complaint narrative:
I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
The bank is charging me more than my original mortgage, and they do n't want to help me or reach any agreement.

Company response to consumer: Closed
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
BMO Harris is inaccurately reporting information to the credit bureau on XXXX loans. My XXXX credit report, dated XX/XX/XXXX, indicates that I have scheduled payments that are past due. This is untrue. Further, it reports that both loans have 25 year terms, which I believe is also untrue. My XXXX BMO mortgage loans both matured on XX/XX/XXXX and no longer require regular scheduled payments and this is validated by my monthly Mortgage Statements from BMO Harris, which do not show any monthly amount as being due. It is true I have a balloon payment that is due and I will work with the bank to resolve it. However, what is being reported to the credit bureau is false and needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
My voicemail indicates that I am repeatedly being called by unidentified representative ( s ) associated with Diversified Adjustment XXXX Services, a debt collection business. Telephone # XXXX or XXXX. 

I DO NOT HAVE ANY PAST DUE DEBTS and have never had any debt that was referred to collection. My Credit Score is over XXXX, and I do not respond to any call from any debt collector who obviously has the wrong telephone number!!! 

I am a single woman ( never married ) with no children, and have always paid my financial obligations on time!! I regularly monitor my personal financial information to check for signs of unlawful charges/theft. I have not received any indication or documentation that suggests I am the victim of identity theft. I also screen telephone calls from unknown sources, and respond to only those which are based on legitimate voice/reason. Hopefully, the measures that I take minimize the chances that I become a victim of a credit/financial scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: HI

Complaint narrative:
Hello my name is XXXX i have a joint account with my friend. An agent told me that my account was closed and I do n't need to worry about any payments. Please let me know what I have to do because its effecting my credit!!! HELP ME PLEASE ACCONT NUMBER IS : XXXX - and there is a XXXX you can reach h me at my cell ( XXXX ) XXXX Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX XXXX claims i have a contract with them. They claim i signed a 2-year contract & want to charge me {$390.00} for something i only had for three days. I found their service inferior. I explained to Discover Card that no one had explained to me that I was signing a contract and the only one with documentation was XXXX XXXX. This is not a valid contract because no one explained to me that I was signing a contract ( the installer had me sign something like an Ipad and never said that this was a binding contract ). Therefore and I explained this to Discover Card, I do not feel I signed a valid contract & can not understand why Discover can not understand this. XXXX XXXX sent them the contract which I never got and Discover agreed with them. With no meeting of the minds, there is no contract!!!!

Company response to consumer: Closed with explanation