vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
Hello, Recently my FHA loan was transferred to LoanCare, XXXX from XXXX XXXX XXXX in XXXX of XXXX. It appears that they are trying to illegally obtain additional escrow " padding '' payments. It is my understanding that only XXXX of the total anticipated annual disbursements are able to be required by the lender as a cushion at the beginning of the year before escrow payments are made throughout the year. Which in my case would be an {$800.00} cushion as I have {$4800.00} in total yearly disbursements. 

On XXXX XXXX XXXX I received an annual escrow account statement telling me that I have an escrow shortage and telling me that I need to add an additional {$390.00} to my monthly escrow payment to make up the shortage even though I have {$860.00} currently in my account. This would bring my total monthly escrow payment to about $ XXXX/mo. Which would result in over {$8800.00} at the end of XXXX when you add in my current balance. It appears that they are requiring me to keep a full 12 month cushion in the account instead of the maximum federal law requirement of XXXX of my total yearly disbursements as previously stated above. 

Under XXXX XXXX XXXX my monthly payment was XXXX and nothing has changed in terms of my yearly escrow disbursements. Under LoanCare they are increasing my monthly payment to XXXX to make up for what they are calling an escrow shortage which is clearly unlawful since it is requiring far more than a 2 month padding for the year. 

I have contacted LoanCare multiple times and they are unwilling to resolve the issue and keep saying I have an escrow shortage. Please advise on how to resolve this problem Thank you XXXX

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 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We have mailed our payments in a timely manner to XXXX Mortgage, the payee described in our loan documents, to the address provided in our loan documents. These payments were forwarded to LoanCare by XXXX, without our knowledge, until XXXX XXXX. Our checks cleared after the grace period, but were endorsed by XXXX. We had no idea we had late charges until XXXX XXXX. We had no idea we had credit damage until XXXX XXXX. 
We did not receive notice that our loan servicer had changed until XXXX XXXX, as all lender correspondence was sent to physical address. Our home is rural and does not have mail delivery. Our mailing address was described by the lender on their closing docs, which we signed. The lender sent email positive email confirmation of payment without reference to late payment, fees or notice of negative credit reporting. 
We have tried repeatedly to both verbalize and in writing to state our understandable position to LoanCare, but have been met with delay, defensive posturing and red tape. We are pushed to defend our integrity. We feel our lender takes a " deny first and always '' service attitude, shuffling us up bureaucratic ladders with delay if we resist. Our pleas fall on deaf ears, and we are frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX we sent a FAX to our lender requesting a payoff amount for XX/XX/XXXX. Today is XX/XX/XXXX and we have heard nothing. A call resulted in a promise that they would process the amount and FAX in 24 to 48 hours. Who is responsible for the adjustment if the check arrives after XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
Carrington Mortgage Services Research dpt. 
XXXX XXXX XXXX XXXX, CA XXXX:XXXX XXXX : XXXX name is XXXX XXXX I was the customer for this loan. I refinanced my home on XXXX. The new loan funded on XXXX/XXXX/15. I have included copies of my XXXX/XXXX/15 statement from Carrington Mortgage and the HUD from the closing showing exactly what was paid to Carrington Morgage. I received a check for the amount of XXXX on XXXX/XXXX/15 dated XXXX/XXXX/15 for my escrow. However the escrow from the statement ( enclosed ) shows {$1100.00}. In addition there was XXXX added to that in the XXXX payment for a total of XXXX. I would like to know what happened to the ballance of my escrow? What account is there for the XXXX left in escrow? 

I have called and spoken to personel at your facility. Nobody gave me a name. I feel obligated to forward this to the Attorney general and the Department of Housing/urban Development. I expect to hear from a representative of Carrington Mortgage by XXXX XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Loan was transferred from XXXX XXXX XXXX to Carrington Mortgage Services as of XXXX XXXX, 2015. Due to the account showing as a " closed account '', my credit score decreased drastically, making me unable to refinance the loan. After contacting Carrington time and time again, they originally stated that they had a XXXX day window to report the loan to the credit bureaus due to CFPB regs. After continued calls, they first stated that because reporting occurred on the XXXX, it would be until the following month. Then in XXXX, they stated it would n't report until the XXXX. Lastly, they stated that they had already reported it and would be appearing on the credit report by the end of the month. The situation has not been resolved. It is XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Back when Navient picked up my student loans last year from my previous lender they improperly applied my existing payments ( I was six months ahead ) to their loans and then told me I was behind in payments and they were going after my credit if I did n't pay. This forced me to pay early, which I could afford, but was definitely intentional on their part as I spent hours on the phone with their customer service providing written evidence of proof of previous advanced payment. They refused to change my payment due date to the correct advance date even when faced with indisputable evidence of my payment history. I had assumed they were just incompetent and gave up fighting them, but when I saw the news article this morning that the CFPB was filing a lawsuit I realized I was n't alone and this was systematic and intentional. I wanted to add my story to the pile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: URS Holding, LLC
State: TX

Complaint narrative:
I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,

Company response to consumer: Closed
Consumer complaint received 2015-03-30 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: MI

Complaint narrative:
I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc
State: MD

Complaint narrative:
My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Smith & Smith Investors LTD
State: IA

Complaint narrative:
My wife has received another letter of default from XXXX XXXX XXXX. XXXX has improperly submitted at least XXXX claims against my wife for debt which the original " creditor '' has failed to send to insurance for payment. 

XXXX XXXX XXXX has failed to correctly file insurance payments even after repeatedly being informed of the correct insurance information. In at least one instance, XXXX XXXX XXXX sold the debt to XXXX adjustment and then filed the insurance claim and received payment for that claim. 

XXXX adjustment was informed that their recourse to the previous debt for which insurance payment was received was to contact XXXX XXXX XXXX. XXXX was also informed in writing that any further invalid collections which were submitted by XXXX XXXX XXXX would constitute harassment. XXXX has again tried to collect on an invalid debt. 
This debt appears to be exactly like the one which XXXX XXXX XXXX failed to properly file with insurance. Please note : XXXX XXXX XXXX has in the past turned the debt over to collections two days after the date of service thus not allowing any time for payment to be received from the insurance company. 

Please note : At no time has XXXX XXXX XXXX EVER submitted ANY bill for services directly to my wife. I am astounded that medical services could be provided to anyone without that company having some manner in which they can identify the patient. 

I find it particularly troublesome that XXXX XXXX XXXX and XXXX XXXX have never submitted anything resembling a bill with a due date or a past due notice. They both go straight to collections actions ( and they both know the correct name and address ).

Company response to consumer: Closed
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. 

I am widow of retired XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
i was a victim of identity theft and theirs a XXXX credit card account on my credit report that does n't belong to me. United collections bureau are contacting me non-stop trying to collect the debt from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. 
He said a 'personal matter from a collection agency '. 

The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. 

This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. 
And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. 

This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. 

GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. 

THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 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: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
So I paid GC services in full for a traffic ticket in XXXX 2015 due to an error ( court changes ) in long beach courthouse they were telling me I still owe XXXX $ after many attempts in person and over the phone to get the paid debt removed it 's still has shown up keeping me from getting a license in the past. They also agree and gave me proof that I paid but it is still showing up online and at the dmv.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I received a notification from Nationstar Mortgage informing me they had no record of my renters insurance for the coop apartment I own. Included was notice they purchased insurance in my absence, placed a balance due on my escrow account and intended to raise my monthly mortgage payment to cover this charge. I never received any prior notice of this, and I do in fact have current insurance I purchased from XXXX which I renew each year. After contacting Nationstar, a rep told me since they had taken over my mortgage from XXXX, some things were not settled and still being worked out, but they had no record of my coverage and claim to have contacted me previously by mail. I asked to e-mail proof of my coverage to them to resolve this, and they said it must be faxed. I asked to speak to a manager, was put on hold and hung up on seconds later. I faxed proof of my current, valid and fully paid insurance payment, with a letter requesting written notice of resolution of this matter, and have received no response. A follow up call to Nationstar resulted in me being hung up on XXXX without ever even reaching a rep after long waits to speak to a rep. I 've owned this coop apartment for over 7 years and never had any problem with this insurance issue when XXXX held my mortgage. It should not be my responsibility to fix Nationstar 's errors when they purchased my mortgage, but I have made a good faith effort to do so. Nationstar is difficult to contact, uncooperative ( how could they possibly refuse an e-mail confirmation of insurance coverage in this day and age? ), has failed to respond to my providing the required documents and has entered into an insurance contract to cover my property, without my knowledge or consent, which should be illegal. I am requesting that my account be cleared of this matter. I want the escrow balance removed from my account, the related intended mortgage payment increase to be removed and this insurance coverage purchased by Nationstar to be canceled, all at no cost to me as none of this is the result of my error. Thank you for your attention to this matter.

Company response to consumer: Closed