vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently.

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 2016-05-29 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: OH

Complaint narrative:
ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.

Complaint narrative:
I am completing a XXXX and had placed my private loans from Navient in " in-school deferment '' status. They were suddenly placed in repayment status recently despite my being in school full time. The promissory notes for the loans which were serviced contains a section which states that whenever I attend a university which is eligible for signature student loans, then my loans will be placed in deferment automatically, whether I request a deferment or not. Upon calling Navient, I was told that it was their policy that private student loans can only be deferred for 48 months while in school. This is contradictory to the promissory note I had signed. I brought up this point and was told that I still could not receive the deferment. The promissory note also describes how any changes to terms outlined in the note would need to be approved in writing by XXXX the lender and borrower. I did not approve of a limit to in-school deferments and filed a complaint with the company. I would like this issue looked into as it seems to violate the terms of the original loans, which were issued by XXXX XXXX before Navient began servicing the loans in 2014. 

I have attached my original loan documents along with the promissory note I signed. On page XXXX can be found the terms of in-school deferments and on page XXXX is a paragraph stating the following : " Any such sale will not result in any change to the loan terms or the loss of any advertised borrower benefits, which will continue subject to their original terms and conditions. However, student loan terms and advertised borrower benefits may change if I choose to consolidate my loans. '' I have not consolidated and believe I have a right to the in-school deferment as outlined in the promissory note in the in-school deferment section on page XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I are senior citizens own a significant jumbo Certificate of Deposit with BBVA Compass bank in XXXX XXXX Texas with a term of 16 months paying 1.21 %. We received notice on XXXX XXXX 2016 that the CD would automatically renew with a new interest rate unless we advised them differently. The letter advised us to call them on the date of maturity or within the 10 day grace period and they would adise us on the new rate. So the required action was with us. 
We forgot to take action by the time the CD matured and the grace period lapsed. When we did remember, we discovered that our previous rate of 1.21 % was replaced with a rate of .2 %. We complained to the bank manager and he stated that he would talk with the regional manager to see if the rate could be adjusted. The next day he advised that my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: MS

Complaint narrative:
XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. 
I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: ERC
State: CA

Complaint narrative:
My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV

Complaint narrative:
There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.

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 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My mortgage was transferred from one company to another in 2015. I sent two payments to Loan Care in Virginia and they have failed to submit the payments on to the new servicer which is XXXX XXXX XXXX. I have dealt with this for a very long time patiently. I need proof that they sent the money as XXXX XXXX XXXX says have n't received it.

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 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Business Factors
State: NV

Complaint narrative:
National Business Factors in XXXX XXXX, Nevada. 
" XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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:
Dear Financial Consumer Protection Bureau Representative, I am writing to inform you of a compliant about my checking account that I would like your organization to investigate with BBVA Compass. On XX/XX/2016, I was charged two overdrafts for a XXXX dollar debit for a XXXX charge, and for a XXXX dollar debit for another XXXX charge. 
When you look at the 2nd picture that I have attached with this complaint, my balance before the XXXX dollar charge was XXXX on XX/XX/2016. And, my balance the before the XXXX dollar charge was XXXX. So, clearly, by looking at the 2nd image, I did not have insufficient funds for those two items, but, yet, the bank charged me two overdraft fees. Please see image 1. 
Every other transaction after the XXXX dollar transaction was a debit card transaction, which should have stopped when my account reached a zero balance because I opted out of debit card authorizations, when there would be no money on my account. Yet, the bank allowed me, by mistake, to go over and then charged me two overdraft fees on those items mentioned above.

Company response to consumer: Closed with explanation