vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My home located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX is being auctioned on XXXX XXXX of this month for the 2014 taxes not being paid. I reached out to Loancare Servcing to resolve the issue, as my taxes were escrowed through them. My XXXX 2014 mortgage statement shows the taxes were paid, but they were never received by the local tax collector. The tax collector said the taxes either have to be paid or I can give them a copy of the cancelled check to stop the auction. I reached out to Loancare, and they have been non-responsive to my request, despite the urgency of the matter. I emailed them on XXXX XXXX, as per their request, and they said they would get back to me in 5-7 business days, and they never did. I call every day and try to speak to the manager ( XXXX XXXX ) at Loancare Servicing, but she never calls me back and no one else can help me. I was told I can not reach the tax department by phone, so I have to just wait. I did fax them all the information in addition to emails and calls I have sent. I need your assistance to try to resolve this matter before the tax sale on XXXX XXXX since Loancare Servicing is not doing their part. Thank you! 

XXXX XXXX XXXX, also XXXXXXXXXXXX

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 2015-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My home is secured by a toxic adjustable rate mortgage loan with a rate and payment that is continually increasing. I am currently at 7.15 % and my payment recently increased as well. This is a problem because I have several family members who are struggling that I am helping out who are staying with me and due to the increase in payment and this temporary hardship I defaulted on my mortgage payment a few months ago. At that time my loan was with America 's Servicing Company. After missing a couple of payments I began trying to work things out with them and they had me apply for a loan modification. It took several months of review but they came back and told me that I did not qualify because I made " too much money. '' I asked if they would consider a repayment plan or possibly putting the late payments back into the balance of the loan and they told me that was not an option, that I MUST pay back all of the late payments in one single payment to them. ASC has been adding all kinds of attorney fees and junk fees and now they say I owe them nearly {$10000.00} and that I must pay this entire amount back to them all in one payment or they are going to foreclose. 

I just received paperwork that my loan has been transferred to Wells Fargo ( which I believe is the parent company of ASC ) and that they want to put me into foreclosure. I am concerned because Wells Fargo has a history of unethical behavior towards their customers and that they put profit above everything else. I have been employed as a nurse for 35 years and make a good living and I can afford a reasonable mortgage payment. However, I am in a bad loan with a high rate and high payment and have suffered a true hardship and need some help. Wells Fargo has indicated that there is no help available ; that the only option is to make a onetime payment of approximately {$10000.00} to them otherwise I am going into foreclosure. This is just not possible, and I ca n't believe that there are not any programs available to help me get through this. All I need is a reasonable solution that allows me to address this issue either through modification, forbearance or a repayment plan. I do n't believe it is fair that Wells Fargo is treating me like this and allowing no possible options. As a regulated institution and recipient of XXXX dollars in bailout money, I believe they should work with me to resolve this matter in a way that is beneficial to both parties.

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 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare is the worst imaginable loan service provider ; if you get them on the phone they keep transferring you from one department to another and none are able to justify why they charge you more. I do n't think is legal what they do and there 's a series of people that complain about them and nobody does a thing ... .what 's going on?

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 2016-05-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
During this time period I had always had medical insurance. I should have never been charged for any health bills. I called debt collectors and they said not to worry about it. None of this was placed in writing and now they are claiming I owe them money when I was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Student Loan Processing Direct, INC
State: TX

Complaint narrative:
I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
-That was on or about XXXX/XXXX/XXXX, I sent a debt validation to National Credit Systems , Inc XXXX '' NCS '', in response to its letter dated XXXX XXXX, XXXX to dispute the alleged account, which is not mine. I gave NCS sixty ( 60 ) day right to cure my notice. 
- NCS sent me a corespondent letter dated XXXX/XXXX/XXXX, stating that they have yet to find sufficient evidence to validate my claim. 
XX/XX/XXXX I sent a letter demanding NCS to delete this negative trade line from my credit reports due to its violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), as well as the Texas Finance Code Chapter 392.Debt Collection ( TFC 392 ) before i can take further legal action regarding this matter. 
- 60 days had passed and I continuously received corespondent letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX from NCS still states that they have yet to find sufficient evidence to validate my claim. 
( See attached files )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: CO

Complaint narrative:
ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I currently had my mortgage sold. I had no idea this was happening. I was never notified. Now they have paid out numerous insurance mishandled my money, lied, charged me late fees, increased my house payment and refuse to help me. I have had over XXXX mortgages and I have never had so many issues. Loan Care LLC is scamming and stealing. How can I fix these issues. They are stealing from me!!!

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 2015-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint narrative:
In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. 
Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. 
In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. 
We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. 
In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. 
To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. 
PLEASE HELP I AM A XXXX THIS IS XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation