vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 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: Diverse Funding Associates LLC
State: CA

Complaint narrative:
XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies. 
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them. 
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ). 
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing. 
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt. 
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.

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 2017-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I was contacted by Loan Care and informed that they would be collecting property taxes from my escrow totaling over XXXX dollars. 
I called Loan Care and informed them that my property taxes are exempt because I am a XXXX veteran. I also explained to Loan Care that the Title Company submitted the property tax information in closing of the mortgage loan and the exemption is recorded in XXXX County Deed of Records. Loan Care informed me that I am not allowed to speak with the tax department and to send them a tax bill. 
I explained that I do not receive a tax bill from XXXX XXXX XXXX because the taxes are exempt and I had already sent Loan Care the property tax information. Loan Care disconnected the call. I called back to Loan Care and they told me that they were not going to ask the title company for any information and they did not receive my tax information. 
I am asking for Loan Care to accept my Property Tax information from XXXX County and the Department of Veterans Affairs and then update my records. I am also asking that Loan Care stop having people answer calls that do not have authority or competence to handle customers needs. 
Finally, I am asking Loan Care not to collect money from my escrow account for property taxes and to address the issue of the Loan Closing being improperly handled.

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 2017-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
I had a mortgage with XXXX that originated in 2009. Earlier this year, XX/XX/XXXX, I understand my loan was sold to LoanCare ( a XXXX XXXX XXXX ). When I got notice of this change, I started paying LoanCare per their instructions. I have continued to make my monthly payments to LoanCare, but I have been receiving notice from LoanCare that they have not received my payment and that my mortgage has gone into default. This should be not the case because I have been paying my mortgage and the checks have been clearing my account. I have contacted customer services numerous times but have had no success in resolving the issue. I would like assistance in working with LoanCare to update my account to reflect the fact that I am not in default.

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 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a checking account with BBVA Compass Bank. I used my debit card two times on XXXX/XXXX/17 and the I had a loan payment of {$310.00} come out on XXXX/XXXX/17. this was a bank draft payment. the bank arranged my debit payment to cler after the bank draft payment to come out after my debits thus charging me XXXX overdraft fees. I do n't agree with them arranging payment to charge more fees. I am a single mother and I need my money. they have also charged me and extended over draft fee of {$25.00}. I am being charged over {$100.00} in fee because of their greed this need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, my case No. XXXX, last month I filed a complaint because Carrington mortgage services llc, increased the monthly payment to $ XXXX/mo, the reason was because the home insurance premium was up, I was paying $ XXXX/mo ( I found the reason about the insurance after they lied to me many times ), so on XX/XX/XXXX, the payment went down to $ XXXX/mo ( attached documents ), and they told me that 's amount I will be paying the rest of the year 2016. Today XX/XX/XXXX, I received a letter saying that they increase the payment again to XXXX/mo, I wonder if they will tell me another excuse and keep increasing the payment every month. On the first complaint I asked to turn the loan back to XXXX XXXX XXXX XXXX, these people are in the state of XXXX, I live in XXXX XXXX, and I 'm XXXX, for me it 's easy to go any XXXX XXXX. I never asked XXXX to turn the loan to Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: FL

Complaint narrative:
I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services misapplied our XXXX 2016 mortgage payment and did not credit our account. When I provided them with a copy of the check they cashed on XXXX ( well before its considered late ), that I had to pay my bank to get, they told me it would take 10-15 days to process my payment. I called back in 10 days and was told it would take 30 days. In the meantime, I asked if they would be reporting this to credit bureaus while they find our money. They said that they could not guarantee that the folks who report their customers to credit bureaus would be told this matter is under investigation and to desist from reporting a " missed '' payment. They could only correct the false reporting after the fact. Apparently, these departments can't/wo n't talk to each other. I now have to check my credit report for the foreseeable future because these people ca n't communicate with one another. Everything is on me, the consumer, to defend my credit and good name, and prove that I paid on time. No responsibility taken by Carrington, when they could easily help by communicating with one another. Absolutely no way to be compensated for the time, effort, and stress this is taking. Since they may not be financially liable for this type of issue, they likely wo n't change. 

Overall, this is the XXXX company who has sold/purchased/owned my mortgage. I would love to have more choice in who I work with for mortgage servicing, a role in if/when my mortgage is sold, or a way of moving on from an unacceptable company without having to refinance. I guarantee these folks would n't treat us like this in person. They 're just some faceless phone bank in parts unknown, so they treat you like you need to just deal with it. Government, any government, please do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Just recently, I am receiving several items of mail from BBVA COMPASS BANK. These pieces of mail are1 ) Notice of Insufficient funds of {$600.00} in Account XXXX ) Notice of Load Advance of {$230.00} in Account XXXX ) Notice of New Loan Balance of {$2000.00} in Account XXXX ) Notice of checking account balance of $ XXXX in Account XXXX ) Notice of Amount of Deficiency of {$250.00} ) Issuance of XXXX XXXX Cards, which I have destroyed. 

My issue is that until now, I never heard of BBVA COMPASS BANK and have never have done any business with them. My concern is that his could be a case of attempted identity theft. I have made several attempts to contact BBVA by phone, ( no local BBVA Banks near my residence ), and can not get any answers to why this is happening. Every phone call ends in a dead end. Any help you could give me would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Compass bank opened credit cards for both my husband and I without our consent when we opened a checking account at the bank back in 2006. We closed our acoount there after that happened bc it was so shady. Y

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
why is my home loan not showing up on my account? 
where is my irs mortgage interest statement? 
how much were my taxes and when were they paid? 
when did my impound account increase and I was n't notified by letter? 
I have not received forms for the IRS yet and it 's XX/XX/XXXX? 
I need to get my income taxes completed ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 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: CA

Complaint narrative:
I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Focus Holding Company
State: CA

Complaint narrative:
Have no way to call and settle debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Account Managers, Inc.
State: WA

Complaint narrative:
They are still on my credit report and should n't be

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 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: CA

Complaint narrative:
These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently pulled my credit report on XXXX/XXXX/XXXX because my mortgage lenders told me there was a couple of negative items. Looks like the Barclays Bank and Fifth Third bank are reporting late payments on XXXX XXXX for XXXX and XXXX XXXX for fifth third bank. I submit a request for a goodwill adjustment to remove nagative payments from my reporting. However after making my submission, I received my results back from the dispute, and now the report is looking even more negative which in not correct. The report now is showing XXXX, XXXX, XXXX of XXXX and XXXX XXXX as late payments for fifth third bank. That information is not correct and affecting me greatly. Please review again. I am currently in the progress in buying a home. I ask again please correct my report as it showed on XXXX/XXXX/XXXX and if you may consider to removing the negative reporting of my XXXX XXXX XXXX payment and fifth third bank Payments please. At time of the late payment, I dealing with a number of things, my son got sick and my partner lost his job. I been a great consumer and always make payments, if you continue to review my report I am never late on any other creditors. The attachment I included shows my original reports. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I applied to refinance my home with Discover Home Loans on or about XXXX XXXX, 2015. Over the space of approximately one week I submitted electronically all requested documents to Discover as part of this application process. On XXXX XXXX I was notified that the loan was " conditionally approved ''. Upon returning from vacation on XXXX XXXX, 2015, I submitted additional requested documentation. On XXXX XXXX, I was notified that they were 'working on a couple more things '' before final loan approval. On XXXX XXXX, I received another email with the same remark. On XXXX XXXX, I requested and update on the status. On XXXX XXXX I was notified that I needed to submit a new disclosure document. I noticed that this document resulted in a significant increase in my closing costs and contacted via email Discover loans regarding this matter on XXXX XXXX. At this point I lost total confidence in Discover Loans and requested a refund on my home appraisal. Discover Loans has not complied with my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
A gentleman by the name of XXXX XXXX with XXXX XXXX XXXX contacted my mother ( XXXX years old ) and told her he could consolidate her credit card debt, which was a little over {$3000.00} ( $ XXXX on XXXX card and about {$300.00} on another ). After consolidating her debt he processed a charge electronically to her discover card for attorney 's fees in the amount of {$11000.00}. Discover card would not refund her the money because they told her she agreed to it. She was not aware of the amount he would be charging her or she would have never agreed to it. They did, however, waive a {$300.00} fee that was applied.

Company response to consumer: Closed with explanation