vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 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: Rose Agency Inc.
State: MT

Complaint narrative:
I was trying to co-sign on a loan with my son. The bank loan officer said my credit was bad because of a debt collection from The Rose Agency. The debt was apparently from XXXX XXXX. When I call XXXX XXXX they have no account for me. When I call The Rose Agency they say they have tried to get confirmation from XXXX XXXX XXXX times. No one answers their requests. Neither company will do anything to take care of the matter. The Rose Agency person hung up the phone on me. My husbands account was absolved and that is the only communication that I have. No bills from either company. I finally got some information from the Rose Agency but XXXX XXXX did n't have any information. The Rose Agency says I have a bill from XX/XX/2011 and that I had XXXX Service for 3 months with an early termination. Also they say no payment was ever made. After five phone calls they gave me more information. An account number, a telephone number that I had at that time, which was XXXX and an amount owed of {$500.00}. XXXX could not find any of this information. Why does The Rose Agency have this information and not XXXX XXXX?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am a homeowner in the state of Va. I am currently in bankruptcy, I am surrendering my home under my bankruptcy, my home has not went thru the foreclosure process yet. Im in the process of moving out of the property, and when I went back to my property, my tv was missing. Is it legal for the mortgage company to change the locks on my property / take possession without notifying me or my attorney?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long

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 2016-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
I was fully expecting to submit a dispute that was due today, XXXX XXXX, 2016, but my case has been closed in advance of the deadline! 

I am going to try to submit it here and call tomorrow morning to find out why my case was closed in advance of the deadline. 

XXXX 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 2016-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: National Principal Group, LLC
State: IL

Complaint narrative:
My family remember received a call from National Principal group claiming that they are looking for me and need to know my whereabouts. They are claiming in their message that they will press charges against me if I do not contact them. I have no idea who this is or why they are harassing my family member. i do n't even know how they got my family 's phone number. It is illegal to harass or threaten to obtain money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
History : I submitted a insurance payout check from essurance to US Bank to pay off my auto loan. The bank has confirmation within their record keeping of possession of check and I have email confirmation ( XXXX/XXXX/2012 ) from XXXX XXXX that they are in passion of the check. XXXX in a call stated that there was an issue, the essurance check was more than the payout of the loan we agreed that U.S. bank would write me a check for the difference. I followed up with US Bank and was advised XXXX no longer works with US Bank, they were unable to locate the essurance check, and my account was now in collections. I have tried for over three years to resolve but bank representatives state they can not help me that I must make a payment. Bank reps have refused to return my calls or agree to meet with me. The balance has been reported to collections affecting my credit. I read an article about your agency 's ability to resolve matters and I seek your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare, or XXXX. Not sure who the company even is. My loan was sold to them from XXXX, who I was happy with. Now, I am having issues making payments. I had to call 3 times in one day just to get the person to assure me that the loan payment was scheduled. I was then rudely told " I am not sure what you 're seeing on your screen, but this is what I 'm seeing. '' I was then hung up on. That was the second call. The third call, I requested to speak with a supervisor, and was told " none are available. '' Seriously?? I am contemplating refinancing my loan in order to get away from this horrible company. Something needs to be done, and investigation, something. These people are horrible. Never again will I do business, or recommend this company. I will also not recommend or do business with XXXX, not after having been sold this way. My spouse and I are combat vets, using our VA loan for this house, and this has been a horrible experience. Unnecessarily rude and incompetent.

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 2015-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
My mortgage was sold effective XX/XX/2016 to LoanCare, XXXX in XXXX, VA. Part of my monthly payment is Escrow for Property Taxes, when I purchased I signed a paper stating I wanted my Property Tax check sent to me in XX/XX/XXXX! It is XX/XX/XXXX and my taxes have not been paid! I have called the company 20 times in past three weeks and get hung up on or told the tax department has no phone and a request will be sent by email with no results! I have emailed & mailed a letter - no response! HELP!

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 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My home mortgage loan was sold in fall XX/XX/XXXX by XXXX. I was directed to send payment to XXXX, which I did for the XX/XX/XXXX payment. I have the cashed check copy and evidence of my account being debited. Then I was directed to send payments to LoanCare. I have sent in all payments and have not missed any months. 

LoanCare will not recognize this payment and sends delinquent notices, saying I am behind on my mortgage payments, which I am not. Since XX/XX/XXXX to present, I have twice called LoanCare customer support to resolve this. Each time I was instructed to fax an explanation, copy of cashed check and my account debit page. I have done this twice now. When I call the customer service line, they have no information regarding any of this. 

I sent a letter ( copy can be faxed ) regarding this, with the above information again enclosed to LoanCare on XX/XX/XXXX. I asked for the payment made to XXXX to be acknowledged and my account to be remedied. no reply. 

I received another delinquent notice on XX/XX/XXXX. I have made every payment every month.

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 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This is a follow-up to a complaint submitted on XXXX XXXX, XXXX, ( Case number : XXXX ). This concerns the fact that my current mortgage was sold by XXXX to LoanCare XXXX as of XXXX XXXX, XXXX. It is my understanding that according to CFBP regulations, the new owner of my loan must notify me within 30 days of the effective date of transfer. It is also my understanding that both my old and new servicers must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I have received no notification from LoanCare or paperwork of any kind. I contacted LoanCare on XXXX XXXX to inquire about my loan and to obtain a Loan Number so I could make my XXXX payment. As of XXXX XXXX, XXXX, LoanCare customer service had no record of my social security number in their system and no knowledge of my loan. LoanCare stated that they will not charge late fees for the month of XXXX and that I will receive information sometime this week. However, I have received no written assurances that late fees will not be assessed, and when I asked to speak to a LoanCare manager, they cut me off. I am extremely concerned ( based on their current ineptitude, online reviews and a XXXX grade of " XXXX '' ) that they will charge late fees and my credit rating will be damaged as a result. I am also highly disturbed that this company will be handling not only my mortgage, but property tax and home insurance payments. I am sending this additional complaint to add information to the record should it be necessary to take legal action against LoanCare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Like many Americans, I have been laid-off 4 times in the last 6 1/2 years and now even though I 'm employed, I earn about XXXX % to XXXX % of my income at the time I bought my home. After many attempts to get a loan modification from Carrington Mortgages Services, LLC., having the process started XXXX then they switch Cust. Service Reps and ignore you. .. I finally was approved for what they said was a HAMP loan mod. However, the payments they offered where only about a {$100.00} less then my original monthly mortgage payment. So knowing that I would n't be able to keep up with that on my much reduced income, I called and wrote to them for an explanation and a decreased payment. They again ignored all my attempts to communicate. Earlier this year, I began making those required payments, after making 2 payments, I was late on XX/XX/XXXX and told that I was declined for that program. So I asked for them to supply me with the terms of this loan modification ( in writing both in a faxed letter and email ) and again I was ignored ( they never responded ). So I contacted HUD for help from their counselors. I spoke with XXXX XXXX at ( XXXX ) XXXX this month ( XX/XX/XXXX ) to express my concerns of CMS XXXX NOT '' providing me with the terms of my loan mod. Telling her that I could n't afford the payment that they had calculated and I thought perhaps they had altered my income info that I had provided CMS with. I specifically told her that I 'm paid on commission only, therefor my income varys a lot monthly. So after some emails back & forth, she stated that CMS was showing my income at XXXX gross per mo. to calculate my payments. So then I told her that this proves my concern is legitimate and provided an example. Looking at my paystub dated XXXX/XXXX/15 shows a gross of ( XXXX year to date ) Dividing that by 15 weeks = XXXX per wk. multiplied by XXXX then = XXXX annual total.Then dividing again by XXXX = XXXX per month gross income. Obviously this is at " lot '' less that the {$3800.00} per month that CMS stated was my income ( which they used to calculate my payment of the loan mod. ) More importantly it confirms my suspicion that CMS had altered the info I had provided, to suit their outcome. With this now established, I have asked XXXX XXXX ( HUD ) in XXXX emails and voicemail .. how can she help me with this. I still have n't heard back form her. As I mentioned Carrington Mort. Services has not responded to me either. So now I 'm writing to the CFPB for assistance in the matter of this documented discrepancy in the calculation of my loan modification payment. I can provide you with copies of paystubs, emails, and faxed correspondence as supporting documentation to my complaint. All I 've ever wanted through-out this frustrating ordeal with CMS .. is a fair and affordable loan modification in order to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Entered into an agreement with LoanCare however, they keep requesting the same information that has already been submitted, they charged us {$200.00} for a loss mitigation package, and it still shows we are behind after requesting an unemployment forbearance consideration, which we were approved for on a FHA mortgage

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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I have a mortgage with Ocwen Loan Servicing on a house in XXXX Louisiana. XX/XX/XXXX, XXXX Louisiana experienced massive flooding. My house in XXXX was flooded. It took me several months to secure a disaster relief loan, but I finally recieved XXXX and began to renovate the house. Today ( XX/XX/XXXX ) my contractor called me to state that he could not get into the house because a company called XXXX put lock boxes on the doors to the house!! I called XXXX and found out that they are a restoration company and a subsidary of Ocwen Loan Co. They claimed that they have been going by the house and it is " unoccupied ''. The house is unoccupied because it is being renovated by my contractor after being flooded! I am currently 2 months behind on my rent due to extenuating circumstances, but I will fully catch up this month. Ocwen has violated the laws in several ways 1 ) They NEVER contacted via email OR mail to ask me the status of my property. 2 ) They house is NOT in foreclosure. It is still my legal property and they had no right to put any thing on my property without my consent 3 ) The house is not abandoned, it is actively being renovated after flooding. 4 ) I am simply two months behind, they have NO RIGHT to do anything to property that is not legally theirs.

Company response to consumer: Closed