vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I had a mortgage with XXXX XXXX. I made all payments, I even had a payment plan with them, bi-monthly. They closed that program down wth no warning. I was injured on a job, had XXXX fell behind in payments, caught up the month in question is XXXX. My daughter and I made the full payment, late but it was made. Later on XXXX had a Home preservation program ( loan modification ) I entered it during XX/XX/XXXX. The modified payment began on XX/XX/XXXX- XX/XX/XXXX, a six-month program. after it was done I was to resume my normal paymens. Somewhere along the way, XXXX destroyed six months of payments they transferred my loan to Carrington, then they said I was behind and owed Carrington the six months of payment beginning in XX/XX/XXXX including the difference from the modification payments. I have my records that shows I paid everything and Carrington will not accept them because of a missing signature on faxed copies. They have sent back my payment for XX/XX/XXXX. They accepted my payments for XX/XX/XXXX and XX/XX/XXXX. They told me they will not accept anymore payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the 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 2016-01-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oakridge Direct Solutions Inc.
State: PA

Complaint narrative:
A secretary at my job intercepted a phone call from a XXXX XXXX. XXXX XXXX asked to speak to the principle of the school I work in reference to a legal matter regarding me. The secretary simply forwarded the call to me. When she did so, XXXX XXXX repeatedly told me that he was going to come to the school and " remove '' me. He would give me no explanation as to what was happening, where I would be going or why? He simply implied that he was some form of legal person and would have a police officer with him to " remove '' me from my job. Obviously, this scared me to the point of a XXXX XXXX. I had no idea what he was referring to since he would tell me nothing except that he would be arriving with an officer to " remove '' me from my job. I asked if there was someone that I could talk to that could tell me what was happening. At that point, XXXX XXXX gave me XXXX XXXX 's phone number ( XXXX ) and said that I could call him. I called XXXX XXXX and he told me that I was to be charged in Pennsylvania with bouncing checks for defaulting on payments due this company. He proceeded to tell me that I would have XXXX counts. Each count could get me {$1000.00} fine and 30 days in jail unless I made arrangements to pay this debt from 2012 immediately. I explained that I had no money at this time and was still having financial issues. XXXX XXXX said that he would be able to stop XXXX XXXX from coming to my job if I could make a {$200.00} payment the next day and then {$480.00} by the end of month. I expressed my concern that I would not be able to get the money but XXXX XXXX simply told me if it was n't paid, I could choose a different payment arrangement but it would cost me double the amount. I agreed and gave someone my bank card info because I believed that a constable would come to my job and take me away for check charges. Additionally, the only part of the call that I was told was being recorded was the part where I agreed to pay the payments when I was transfered from XXXX XXXX 's extension to another. After calming down and researching on the internet, I realized that XXXX XXXX and XXXX XXXX threatened me and used incorrect information to scare me into paying them immediately, simply adding to my stress and financial difficulties. Additionally, I am not sure that I owe this particular debt. I called XXXX XXXX back around XXXX and told him that I needed a letter of verification but have heard nothing in response. I have had to repeatedly tell " someone '' and fax a letter demanding that they stop contacting my job over the last 6 months. My job does n't allow personal calls at work and they are getting tired of funneling calls regarding my personal financial woes. I do n't know how to stop them from calling my job, speaking to various people regarding my personal business matters ( NOT allowed ) and harassing me in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC
State: MT

Complaint narrative:
I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.

Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I do not earn enough to pay the payment set by Nelnet and still be able to pay other bills let alone eat. I have tried since XXXX 2015 to get the payment lowered but Nelnet continues to reject my applications. The latest : They sent me a partially completed application, I completed it, sent it with my 2015 tax return and they sent me a blank application ( the same XXXX they had sent partially completed ) with the statement that they could not read the documents I sent. I have completed the application online twice and sent a completed one via email once. Calling their service reps results in nothing being done except me losing hours of time and having to hang up more than once to get to work. My mother has tried and all she gets are requests for her to call them. They have the paperwork and the proof of income. They just refuse without cause to lower the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
My bank, BBVA Compass, does not have fees associated with ATM usage. However, I was charged fees from BBVA in addition to the fees applied to the amount I withdrew from non-BBVA ATM 's. XXXX fee reads " USAGE ATM FEE '' and the other reads " SURCHARGE FEE ''. The dates and amounts are : XXXX - Surcharge {$3.00}, Usage {$2.00} XXXX - Surcharge {$6.00}, Usage {$2.00} XXXX - Surcharge {$2.00}, Usage {$2.00} ATM withdraws with my other bank, XXXX XXXX, does not have fees applied on the same ATM 's. I called BBVA Compass to request a reversal and a stop to these charges, but I was told to call back. 

The BBVA Compass website reads the following in regards to ATM fees : " BBVA Compass customers can withdraw cash with their BBVA Compass Debit Card or ATM Card without a fee at nearly XXXX BBVA Compass XXXX in the United States. Withdrawals, deposits, transfers, and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Please see your applicable account disclosure for additional information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXXDelete all the XXXX trade line for all XXXX credit bureaus and not report the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: Williams, Alexander & Associates, Inc
State: NJ

Complaint narrative:
My name was used for a debit on a bail bonds after sending my ID and license that shows they send the wrong person to collections, Nothing has been done to remove it from my credit score. Instead they kept me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VI

Complaint narrative:
Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: SC

Complaint narrative:
WOW ... still no official response from BBVA. Tried contacting them today and was placed on hold for more than 4 hours total. Was told that accounts were closed and money was on way. When I questioned it with later rep was told that was not the case. 

Was told my only options were to call earlier or visit a branch. Requested a supervisor and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.

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 2016-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
The company PREFERRED COLLECTION & MANAGEMENT SERVICES, has continued to reinsert previously removed non-factual debts. At this time, this company has reinserted the same debt multiple times causing ongoing credit detriment. PREFERRED COLLECTION & MANAGEMENT SERVICES should immediately remove this debt and cease and desist from any and all further collections effort in whole or in part. PREFERRED COLLECTION & MANAGEMENT SERVICES is further advised that pursuance of this matter may be subject to litigation and subject to any and all remedies deemed reasonable by local jurisdiction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan foreclosure proceedings started but did not complete and that that it should reflect in the history. However in the current status the loan shows as foreclosure. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency XXXX and the lender and both seem to believe that Foreclosure is the correct status. 
While the loan transfer shows correctly with XXXX and XXXX, the mortgage company and XXXX refuse to either correct or delete the tradeline for inaccuracies. XXXX currently shows this as a foreclosure not a transferred loan. The notes are correct the current status of this Loan with LoanCare is transferred not foreclosure LoanCare refuses to update their or resubmit the appropriate code that shows transfer even though they acknowledge no Foreclosure occurred. LoanCare refuses to correct the report to show transfer closed.

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 2016-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Contacting me at my place of work on company phone line. After I had told them this is my work place phone. Stating that they will report it to the credit bureau. For a debt that I feel is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Management Systems Inc.
State: OR

Complaint narrative:
I did signed as a grantor for a lease to one XXXX XXXX who longer longer live on the property [ he did told before he moved out that he has paid all outstanding debt ] until a collection agency [ Southern Managmentent Systems-+XXXX XXXX XXXX ] contacted me saying he not honored payment to an amount {$1000.00} and told me all their attempts to get XXXX failed.I did provide them with XXXX phone number and they confirmed he has acknowledged the debt and will make first payment on the XXXX/XXXX/15.Before this, southern management has gone ahead to place the debt on my records, their reason-they called me several times and could not reached me.When XXXX failed the honor the XXXX/XXXX/15 deadline one XXXX southern management systems called that, since XXXX failed I should start paid.I did paid {$120.00} with him agreeing to contact XXXX for payment of the rest.In XXXX I did not hear from XXXX of his efforts to getting XXXX to pay the rest of the money, I did paid {$220.00} anyways.Today XXXX/XXXX/15 I did respond to a missed calls from XXXX, in our talk I asked XXXX to tell me what efforts has has made so far to get the money from XXXX and also to removed the collection from my records since that collection report has made it difficult for me to make money [ can not longer trade stocks ] to paid off the debt.He told me he was not ready to do that and therefore report will remain in my records-he does n't care and hang up on me.Prior to this XXXX XXXX has always used verbal threats as mode of communication when he does n't want to answer my questions.He told me once his company does n't accept cheques ( which was my prefer payment option ) as a mode of payment, my checks on the company 's website proof this not be true-I have since told him he liar and any future liar to me will not be taken lightly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation