vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been paying for my loan with Loan Care for the past XXXX years. Have been paying automatic withdrawal from my wife 's bank account to them every other week ( XXXX payment each time ). Everything was good until I got a notice that I was delinquent for XXXX payment. Come to find out that they placed XXXX of my XXXX payments into principal, which I had no intention to do so ; should have been applied to my monthly bill. I contacted Loan Care and they were able to do a principal reversal ( only after several follow up calls ), however I was still reported delinquent 30 days to the credit bureau. I have made a formal credit dispute to LoanCare because I feel that it was an error on their part that made me delinquent. In addition, if I knew I was late on a payment ( have not received any monthly statement from them, although they swear that they mail it out to me ), I would of paid them in full ( which I am doing right now ) ; I still have n't received any statements from them. 

My XXXX credit dispute is still pending a decision, however it is very frustrating to know that an error of placing my payment to principal and not having any paper trail/monthly statement to inform me of delinquency has effected my and my wife 's credit score ( around XXXX initial, now XXXX ; good credit report : paid all my creditors on time and provided this history to Loan Care ). 

I would like Loan Care to be held responsible/accountable for the above error that made me/my wife delinquent and to provide me with paper statements ; correct the delinquency with the XXXX credit bureaus. My wife and I make payments religiously and have worked hard to build up our credit ; it is not right that a servicing company could allocate funds in-correctly and not inform myself ( consumer ) prior to reporting to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Our loan servicing company was changed to LoanCare and soon after we noticed an error on the new online site. While our payments seem accurate and the total amount owed seem accurate, the online site states the wrong Original Loan Amount. We want the Original Loan Amount on the website ( which is listed as {$44000.00} higher than our original loan ) corrected to the amount on our loan paperwork. We have emailed three times to have this issue corrected and our emails have been totally ignored. Each email was submitted through LoanCare 's secure email via their site login. When our emails were ignored, we began calling to have the issue corrected. We called on XXXX XXXX, 2016 and spoke to XXXX, ID # XXXX. She seemed to understand the problem and agree that it needed to be corrected. She said it would be handled and we would receive written confirmation of the change in the mail. When we did n't receive anything and the correction did n't happen 30 days later, we called again on XXXX XXXX, 2016. This time, we spoke to XXXX, ID # XXXX. She said we could not speak to a supervisor. She listened to the issue and said she would look into it, putting me on hold. A few minutes later, She hung up on me. When I called back, I reached the same person I spoke to on XXXX XXXX, XXXX, ID # XXXX. She said that she remembered me and that their paperwork said that the issue would be resolved on XXXX XXXX and we would be contacted with a resolution by phone. That date has come and gone and we have not heard anything. We have original loan documentation proving that their information is inaccurate and we want this corrected. My concern is that they will sell the loan to another company with this inaccurate information. Due to their unreasonable resistance to correct this error, we are beginning to suspect that they have no intention of fixing the error. We need a definitive response from the company so we can know what next steps to take to address the issue.

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 2016-02-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
Debt is paid, just want it removed from the XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
I have a Mortgage with Loan Care which was paid on XXXX/XXXX/2016 using my on-line pay bill as it is every month and the company is charging me a late fee because the funds were n't received by the XXXX of the month. This is the second time Loan Care has stated they did n't get our payment on time. 1st time they stated that they saw our payment was made on time and they would " waive our late fees '' even though the payment was made on time. This time they stated that they could n't see the payment being made. I offered to give my the confirmation number of the payment which XXXX employee ID XXXX refused to take he stated that I need to my bank fax in prove of the payment so they could research the matter. At this point I requested to speak to a supervisor XXXX refused he stated that their was n't a supervisor available at this time and he would take my phone number and someone would contact me back with 48hours. This is the second me or my wife have requested to speak a supervisor and were refused. Loan Care is purposely posting my payments late so they can charge me late fee 's which are not valid. This is a prefect example of predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.

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 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID

Complaint narrative:
We fell behind on our mortgage payment. When we tried to catch up they refused payments saying we owed more and more. They put a foreclosure sale date as XXXX XXXX 2016. We learned they obtained our loan illegally thru a computer system. We also have tried to get a Loan Modification, which we have never had. All we get in response is that we have sent in the correct paystubs, or not the correct proof of residency. Then they stop trying for that loan modification, and I had to resend all the paperwork. Which I did and we are still being put off, it takes 5 days for them to be able to tell me if I have the correct documents or not. They are trying to push this out so we have no choice but to lose our home. I can not get a single point of contact within the company. No emails or phone calls are ever sent out, for anything other than one saying my statement is ready. We are at a total loss as what to do, we are now thinking a bankruptcy might be the only thing to save us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. 

I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. 

When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. 

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
As I explained before ... .your " investigation '' is totally irrelevant to the law. The consumer is NOT REQUIRED to prove they were robbed because that is impossible ( the burden is on the BANK ). Every response provided here will be used in court. Regardless of whether the police report aided your investigation or not is NOT my problem. I was robbed and the main reason anyone keeps money in a bank is for the bank to provide protection against theft. You are required BY LAW to refund the money or take me to court for fraud ( I welcome that ). Every response you provide will only be further evidence the institution is intentionally avoiding federal consumer law. You are wasting my time. Have your legal department call me or my attorney or we will file in court and request maximum damages plus attorney fees and hand this judgment over to an experienced trial attorney who will file a class action and subpoena all the records of claims vs denials. The law is written specifically so the bank can not deny claims by attempting to place negligence on the customer. Not only is this theft by the institution, but an attempt to avoid your own failure of lax security measures. This will come out in court if you choose this route.

Company response to consumer: Closed
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have sent Power of Attorney and Death Certificate via fax to US Bank on XX/XX/2015 and XX/XX/2015 so that I can address fraudulent charges on the US Bank Credit card that my parents used until my mother 's death on XXXX XXXX, 2015. 

Every time I call them they transfer me around and state that they did n't get the materials. This has been going on for over 3 weeks now. 


I would like to be able to speak with the fraud department to deal with the fraudulent activity and then to close the account. 

XXXX XXXX : XXXX XXXX, KY XXXXPhone : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
My bank failed to process an automated payment within their system to an internal loan and charged a late fee. A confirmation of the payment was provided and no failure of payment was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Check N Go. Oy! Since my last visit ( years back ) everything has changed. In times past, you would receive cash on-the-spot and you would then leave them a check with the payback amount which they could then cash, thus paying off your loan. Not anymore! Now, instead of leaving them a check, they enter your full account info into their system ( essentially allowing them to access your account directly however and whenever they feel lke it ). 

The loan is also supplied differently. No cash. Instead, they give you a third-party debit card ( which I need like a hole in the head ), supposedly containing the amount of your loan. I took that card to XXXX banks that day and it was declined each time. I went back to the store in an absolute rage, telling them I wanted the contract torn up. Clerk took nearly fifteen minutes fussing around, only to tell me that there was some " defect '' with the card, etc., etc., and that she would issue a new one. Total time to get my cash that day was 3 hours. ( When you go to a bank with a debit card for cash withdrawal at a teller window and the card is declined, you CAN NOT legally return to that same bank the same day to " try again. '' ) But the worst part of all -- and this is why these people should be shut down IMMEDIATELY, is that they have another new shtick : Knowing the FTC is on to them, they are soliciting customers to write brief, positive letters IN-STORE to send to the FTC! Well, based on my PAST experiences, I was glad to do so. But this was asked of me during paper processing, before it was revealed that everything about their business procedure had changed. A bit like a hotel asking you to write a positive review at the check-in desk based on your past visits, and then you go to your room and discover the place has turned into a dump. Too late -- they 've already got your " glowing '' letter. What a disgrace! 

Most despicable people I 've ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
I XXXX XXXX have contacted My Loan Care to ask to have my PMI removed from my mortgage and they stated that I need to request it in writing or through their email and get a tracking number well I 've done both so many times and still no tracking number from them and also when I call the reps tell me that did n't get my request to have the PMI removed from my mortgage. Before I requested to have the PMI removed I did my research to make sure I meet the requirements and I 'm still having a hard time and when I call now I ask for a manager and they never get on the phone or call back regarding peoples concern about there mortgage. This company has nothing but bad review and I really hate that my note was sold to them. They seem to only care about is a mortgage payment.

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