vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to dispute Compass Bank and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a Compass XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local Compass Branch and asked how to proceed. The teller told me to deposit the check to my Compass Checking account and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account. 

A few days later I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a Compass Branch. 

I respect Compass decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Currently on a landline and cell phone calling BBVA Compass. I 've already been on hold for over XXXX minutes and counting. It appears that this bank does not want to answer my question/concerns. I 'm currently out of footprint, and would have to drive XXXX hours to get my credit card issue handled. I 've used the call back option before, but the problem is they call back and give no information why they are calling back. How do I know this is n't XXXX of the many telemarketing callers I get. So when you do answer, it 's typically hours later while you 're doing something else and not thinking about the issue. Good luck trying to get a live person on the line. It is because of this that I rather wait to get my issue resolved. Very frustrating, and it comes across that the bank does n't want to take customer calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Armada Corp.
State: WA

Complaint narrative:
After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our mortgage was transferred from one company to another, both belong to the same parent company. We received notice from Stearns ( our original servicer ) that it would be transferring to Loancare ( the new one ) on XXXX XXXX. I never received anything from Loancare, even though subsequent research has told me it 's mandatory. We paid our final payment with Stearns via autodraft on XXXX XXXX, the mortgage due date. On XXXX XXXX we saw a second withdrawal from Loancare in the FULL amount of our mortgage. When we called Loancare they said they did n't see that taking place on their end but had heard similar complaints by other customers. When we called back hours later, they assured us they 'd be wiring the funds back to our bank and they 'd be there by XXXX. They still are n't showing up, leaving us basically in financial ruin for the weekend with a small child at home. I do n't know ANYONE that can afford to pay their mortgage twice in a week. This is completely unacceptable and given my findings into this company today, I am not alone in my treatment from them. They need to be seriously investigated and shut down. They had no authorization to access my bank account in the first place and lied when they told us they 'd be taking corrective measures. 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
Consumer complaint received 2016-04-26 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: Unique Management Services, Inc
State: NY

Complaint narrative:
I was never informed of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NCC Business Services, Inc.
State: IN

Complaint narrative:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

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 2016-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: FL

Complaint narrative:
Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: DC

Complaint narrative:
I read XXXX review of most competitive checking accounts and decided to join Simple Bank. An issue arose when I tried to complete my application. Upon following up with Customer service, two separate employees let me know that Simple only offers accounts to U.S. Citizens. 

I inquired more about this policy and a member of the customer relations team reached out and declined to provide more information. I am a non-U.S. citizen legal permanent resident of the United States. I have legally resided in the U.S. Since XX/XX/1999. I have never encountered such a policy with an American bank. Simple Bank never sent me a notice to officially deny my application to join their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
My bank will not provide me with my most recent bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. 

Somehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. 

Since I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
Carrington mortgage has mis applied payments to the acct # XXXX. Payments were sent to mortgage lender as agreed and they did not apply the XXXX XXXX payments timely. They applied XX/XX/2016 payment in XX/XX/2016 its notated on mtg statement. XXXX XXXX payment for XX/XX/XXXX was never applied to the acct and the lender stated they have no record of any payments. We sent proof of payments to the research dept several times with no response from research dept. Perm modification was issued in XX/XX/2016 with a new due date begininig XX/XX/2016 and that payment was not recorded for XX/XX/XXXX but XX/XX/2016 which has caused my client to default on perm modification which is not their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I normally pay my mortgage at the end of the month, because that is the way my pay comes in. I have been XXXX for about 7 months and recently gone back to work. I attempted to make a payment on XXXX/XXXX/XXXX but the automated system would not allow, which forced me to call the office the following day. 
I found myself on hard time during the course of my XXXX which cause me to be 1 month behind. 
I called Carrington Mortgage on XXXX XXXX to make one full month 's payment and to schedule a second payment on XXXX/XXXX/XXXX. 
The representative said they could not accepted this payment and could only accept 2 months ' payment. 
I explained my financial situation, but to no avail. I told the representative that I would mail the one-month payment in, he told me he would not advise because it is not certain the payment would hit my account. 
On XXXX/XXXX/XXXX I receive a note rubber band to my gate downstairs at street level, " Please call your Mortgage Lender '' anyone walking by this note is visible to. HOW EMBARASSING! this is an invasion of my privacy. Carrington mortgage has my phone number in fact they ask each time a call is placed. 
Carrington Mortgage had been a fair Company to deal with until now. I am in awe and very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage was sold by XXXX to Loancare LLC on XXXX XXXX, 2015. My mortgage payment was due on XXXX XXXX. I submitted a payment to XXXX electronically on the XXXX, not understanding that it would n't go through, and in fact I was given a confirmation number as receipt of payment. A week later I checked my bank account and no funds had been taken out of my account. XXXX 's website now said that my loan had been sold and gave me an incorrect customer service number for Loancare XXXX. After finding the correct number ( and calling XXXX to let them know the number on both their website and customer service line was incorrect, ) I spoke with Loancare who informed me that my payment had not been processed and was now late. I was informed by Customer Service that there were no late fees associated with it - in fact that no late fees could be associated with my account for 60 days after the sale - however, there is a one time payment fee on a sliding scale depending on how late your payment is. For payments 1-4 days after the due date there is no fee, 5-9 days is a {$5.00} fee and 10 days or more is a {$10.00} fee. They say this is a one-time draft fee and not a late fee, although I 'm at a loss to understand how this is n't a late fee in disquise. I made the payment to Loancare electronically - including the additional {$5.00} fee - because I wanted to make sure my account is up to date and I feared racking up any additional " fees. '' Their Customer Service Department said that they can not waive that fee and I should look to XXXX for reimbursement ( which does n't make a lot of sense. ) I believe that the " processing fee '' for late payments is in fact a " late fee '' illegally charged to customers during a confusing and poorly managed loan sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees. 
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over {$200000.00} to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of {$20000.00}. I wired all the funds to US Bank and they did not give me any credit until I started to complain. I need my settlement as I was told through a recorded call. I do not want to involve any attorneys therefore, I hope US Bank can pull the recorded calls because is not fair that I gave them all the money me husband received. To make matters worse I was not able to use any of the funds to pay my husbands hospital bills ; this is really devastating.

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 2015-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
This complaint is filed against the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX and Customer Services Representative XXXX XXXX ( XXXX ) XXXX for transpassing my credit report file information obtaining a " hard '' credit inquire without my permission. 
On XXXX XXXX, 2015, I met XXXX XXXX XXXX at his bank branch located at XXXX XXXX XXXX, XXXX XXXX for banking issues. 
On XXXX XXXX, XXXX the US Bank sent me a letter Ref. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX stating my application for credit is denied. I immediately, visited the bank branch location and requested to remove the HARD INQUIRE from XXXX because I NEVER applied for a " credit line ''. 
On XXXX XXXX, 2015 I mailed the same request via us regular mail, but as of Today, no RESPONSE was received by the US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I cashed a convenience check linked to my US Bank XXXX XXXX XXXX XXXX XXXX XXXX. After depositing the check I changed my autopay setting from pay full balance to pay the minimum balance. The autopay setting does not change for 30 days and I was charged a fee even though I had payed the minimum balance. US Bank 's convenience checks create a catch-22 for customers who are enrolled in autopay where either the balance of the recently cashed check is payed in full or a fee is charged ( due to not having sufficient funds in the account ). Essentially, someone at US Bank with autopay is cashing a convenience check that will be immediately payed back to US Bank in full if they have the autopay setting selected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.

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 2016-10-16 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. 

As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.

Company response to consumer: Closed with monetary relief