vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
On XX/XX/2016 I submitted an {$1800.00} payment to Loancare to be drafted from my checking account. After learning it had not been deducted from my checking account I called LoanCare to check the status. The XXXX told me it takes XXXX business days to draft and it should be fine. Finally, the payment still had not been drafted so I went on the website and contacted Loancare. They told me my account number was wrong (! ) and I was assessed a {$30.00} NSF fee. I explained the history and they said too bad you have to pay the fee. They also indicated that they tried to call me and email me which was a blatant lie as I have both voicemail and fully functional email. They also charged a {$5.00} payment fee to resubmit another online payment. This is a VA Mortgage which when notified did not concern them.

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 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I authorized a Post -dated check to run on XXXX/XXXX/15 for {$940.00} using my savings account. I noticed that this payment never was processed thru my bank account. I was told by my bank that if the account is coded checking account and not saving account that the payment will not process. So the payment of {$940.00} was not coded savings. So since I did n't see the payment go thru, I transferred the money from my savings account to my checking account and did a payment via your website for {$920.00} on XXXX/XXXX/15 confirmation # XXXX that is the amount your website was showing was due. I just received a letter dated XXXX/XXXX/15 stating that the payment I originally gave for {$940.00} dated XXXX was returned. That is incorrect. That payment was made on XXXX/XXXX/15. This was clearly a coding issue not me not being able to make the payment. You have now reported my being 30 days past due. The payment was scheduled on the XXXX day which my credit report should n't have been hit with a 30 day late. I filed a dispute with the mortgage company who said that they will not remove the 30 day because I would have to replace the payment in the same month. This was a coding issue, and the payment was made on the XXXX. I had no knowledge that this was going to happen. How could I have replaced it. I have also attached a letter from my Bank stating the fact. Also Carrington has n't updated my credit report since XXXX and this is affecting my credit rating. I have attached my credit report as well. Also they have stated in there letter that " If a payment is reversed for non sufficient funds ( NFS ) and the replacement is not made in the month that the payment was due, the payment may be reported negativity. I do n't show that anywhere or have I ever in my years in banking known that the payment has to be made in the same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LendingPoint Holdings LLC
State: MT

Complaint narrative:
First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.

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 2015-10-19 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: OK

Complaint narrative:
I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I called the NCC Business Services XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; to try to make a settlement agreement. They told me that I would need to pay 10 % ( {$150.00} ) then make $ XXXX monthly payments until paid off. I explained that I could do this on XX/XX/XXXX. To pay the {$150.00}. I also then requested a written letter to be emailed, faxed, or mailed to me stating the agreement to settle with payments. XXXX XXXX then stated that they do not give written proof of agreements. That they will only give me something in writing after it is paid off XX/XX/XXXX. That if they gave me something now to prove it was settled then I could give that to whomever I needed verification for and they would n't get paid. I have tried to call back several times to speak to someone else or a supervisor, but I keep getting hung up on. I was told by XXXX at the CFPB that they are required by law to give written repayment plans prior to the first payment being made. I called again today @ XXXX, again was transferred to XXXX XXXX . I requested my Account Number, and he asked how I would be making a payment. I told him that I would not be considering he refused to give me anything in writing. He stated again that they by law did not need to give me anything regarding the payment arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I am writing to call into question a judgment that was filed by the plaintiff XXXX XXXX. Docket number XXXX. This was filed back in late XXXX. Below I will try to outline the situation in order to keep this concise and to the point as I know. 
- In late XXXX, my wife and I extended our lease 20 days on a month to month in order to close on a home purchase. Original rent was {$1100.00}, they charged me {$3800.00} to extend 20 days. I believe last day would be XXXX XXXX, XXXX - Explained to them that I could not pay such a high price for the extra days and asked about paying the original {$1200.00} rent and making a payment plan to pay the remaining balance but they refused to take anything but the {$3800.00} in full. 
- They explained to me that they would have to go ahead and file for eviction but not to worry because eviction date would be after we had already moved out. 
- My wife and I have always paid rent on time so this was all new to us. They instructed me to not bother going to court because if we did not have full {$3800.00}, the judge would rule in their favor. 
- Misjudging that they were acting in everyone 's best interest I missed the court date and in doing so they filed judgment. I set up payment plan to pay amount within a few months ( paid {$600.00} ). 
- Home purchase fell through and was left with a negative collection on my credit report. No longer approved by lender. Could not find an apartment who would rent to us leaving me and my children homeless. Stopped making payments to XXXX and saved for large deposit. 
- Moved in to second chance apartments in order to clean up credit in XXXX of XXXX. 
- After 2 years of working to repair my credit and get this paid in order to proceed with home buying, the lender pulled my credit and found judgment filed with court differs from amount UDR claims I owe. 
- Court files show {$1200.00}, XXXX shows {$3100.00}. Called to pay XXXX billing to find discrepancy. Woman who refused to identify herself called me a criminal for not paying rent on time. I explained I never had a problem paying rent I had a problem with paying such a substantial amount. 
- When asked why amount differed she said it was for cleaning the apartment after move out. 
- XXXX rep stated she would not give letter of release of judgment until the {$3800.00} is paid in full. 
- I asked for copy of lease as well as addendum and UDR refused to give copy. Gave me contact to NCC Business who is the collection agency handling debt. 
- Written request 4 times remain unanswered and still no documentation was ever given as to why I owe so much for 20 days. 
- This has affected my family greatly and resolving this is the last obstacle in front of us for pre approval in purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
I received a letter from a debt collection agency for {$10.00} for a medical service. I never received any communication from the medical provider that I owed this amount and the first I am hearing of it is from the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
We received your attached default notice XXXX XXXX, 2016. 

We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.

Company response to consumer: Closed
Consumer complaint received 2016-04-06 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: Focus Holding Company
State: NC

Complaint narrative:
I spoke with a representative at Focus Receivables Managment on XXXX XXXX, 2016 and Focus Receivables Managment confirmed they do not have a debt within their system of {$790.00} with XXXX. They also confirmed that they would alert the bureaus to remove this debt, but it is still reporting on my credit report. I am filing a complaint for not attempting to help me with this debt. Due to the fact that it is still reporting on my credit report with XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: NC

Complaint narrative:
called my number about someone else 's debt and said that my number had been given as a contact. The party in question has no contact with me I feel they took it upon themselves to start calling distant relatives for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Focus Holding Company
State: GA

Complaint narrative:
Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Transfinancial Companies, Inc
State: NV

Complaint narrative:
I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill. 
Please help. 
XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Patient Account Services, LLC
State: MS

Complaint narrative:
i was admitted into the hospital XXXX XXXX XXXX XXXX XXXX through the emergency room on or about XXXX XXXX, 2014 I receive Medicare/Medicaid and gave the hospital my Medicare/caid card I was in the hospital for 4 days Medicare/caid paid for my emergency room visit and hospital stay and they notified me of that fact, another company contacted me name Patient Account Services ( PAS ) address XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX phone XXXX stating I owe for emergency room services in the amount of {$1100.00} to XXXX XXXX XXXX XXXX. XXXX XXXX date XXXX/XXXX/2014 and that they was reporting this account to the credit reporting agencies XXXX, XXXX and XXXX I did in fact inform these people that Medicare/Medicaid had in fact paid XXXX for my emergency room visit and hospital stay for XX/XX/2014-XX/XX/2014 and mailed them proof. I also informed them that they were committing Medicare fraud and that they were trying double/bill me to steal XXXX from me and i told them to cease and desist their fraud, they informed me that I could go to jail for non-payment of this debt ASAP and they did in fact report this fraudulent debt to the aforementioned credit reporting agencies and destroyed my credit, this is a fraud and this company is engaging in Medicare fraudulent activity against a vulnerable adult who is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: MA

Complaint narrative:
I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Paramount Recovery Systems, L.P.
State: MO

Complaint narrative:
I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I called Capio Partners to pay off XXXX of my debts and also to advise them that the items was no longer a disputed item. They said it was not in dispute yet it keeps reading that on my credit report and after XXXX plus minutes on the phone I was transferred to several people and forced to pay XXXX bills ( XXXX which I never knew ) was in collections. After explaining that I was reading this information from my credit report because I 'm trying to move they threaten me with the XXXX new items that was never advised to me I had. He said I had to pay them all and that the new XXXX items was going to hit my credit report within 10 days. It hit my credit report on XXXX XXXX 2015, but on the credit report it says XXXX report XXXX 2015 and then report again in XXXX. This is n't true because I 've had my credit report pulled every month for 7 month since trying to get a house and they knew this once I called them to pay and they threw these items on my credit report and dropped my score and still report them as being disputed. Now I 'm being held up with my closing date. They would n't even take my money for a XXXX of them. They said I had to pay all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I have a current mortgage thru Beneficial Financial/HSBC. I have been trying to refinance it thru a local bank to get a lower APR. I have been going thru this process since XX/XX/2017. My local bank has been trying to get information from Beneficial about my mortgage and not getting anywhere. They asked me to contact them, hoping that me, the customer, would have a better chance. 
So on XX/XX/2017 I contacted Beneficial Financial/HSBC due to the current bank I am trying to refinance with being unable to get Beneficial to respond. Upon talking to a Beneficial customer service representative over the phone, I learned that they had received the request from my bank for the Mortgage Verification, but they would not process it for 30 days. While having them on the phone, I requested a copy of it be sent to my home address as well. The rep. let me know they would do that. 
Today, XX/XX/2017, my bank informed me that they contacted Beneficial to find out why they have not received the Mortgage verification. They were told it was rejected due to it being electronic submission and that they would have to mail a copy to them to be processed. It would take an additional XXXX. At this rate of response, it will be the middle to end of XX/XX/XXXX before I am able to have my refinance completed. 
My complaint is simple, how are consumers able to deal with this if they are in a financial situation and a financial institution is not responding, or responding slowly. In todays age of electronic means, this should be a simple request. This is putting unjust restraint on information that most financial institutions require from each other and could be causing further hardships on consumers. In my case, I am trying to refinance to lower my payments to avoid financial difficulty. I have also read over XXXX reviews from the Consumer Affairs website stating similar experiences and even Beneficial not signing off on the lein after payoff. This has me worried that I am heading down the same path as so many others have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank closed my savings account,and sent my money to the state of Texas,without my authorization,or even telling me. When I got my monthly statement it was just gone. This is my life savings.They are telling me I have to file a claim with Texas and it may take 3 To 4 months and cost over 500.00 dollars in processing fee. I feel like I am being scammed. Chase has made a huge error and expects me to correct. very unfair and I will never trust them with my money ever again. Big banks don't care who they hurt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX RELATED TO CASE NUMBER:XXXX.SECOND REQUEST TO QUESTIONS XXXX REQUEST DOCUMENTS FOR VERIFICATION OF SALE TO XXXX XXXX XXXX WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE

Company response to consumer: Closed with explanation