vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-30 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: Focus Holding Company
State: OH

Complaint narrative:
This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: MA

Complaint narrative:
Case number : XXXX Related Case Number : XXXX Chase receivables has been notified of the fraudulent activity for which they have a collection. The agent stated that the merchant was notified and that there was no information needed from me as I am not liable for the fraudulent use of my account. 

Chase Receivables has not submitted for removal of adverse and incorrect information on my credit 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 2015-08-18 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:
RE ; XXXXOn XX/XX/XXXX I was admitted to the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my then insurance company XXXX as I worked for XXXX and I had 100 % XXXX. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX at 100 %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for XXXX ,2. ARS letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, ARS, is collecting the same two debts that ANOTHER agency is trying to collect on called HRRG. However, ARS was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY ARS! 
Now ARS is trying to collect not only the one paid in full by my XXXX insurance, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX XXXX times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Quite simply, I have nothing but positive information on XXXX of my credit bureau reports ( Transunion ) yet I have a very low rating. I can come up with no reason for this low rating except that this allows any prospective creditor to charge me with the highest fees, interest rates, etc. 

Another credit bureau report, in this case XXXX has XXXX collection item and that XXXX has an even lower rating yet everything else on that XXXX is positive. Unless they 're basing the whole report on XXXX small collection item, then I should have a good rating with them also. 

This is clearly a racket ; these bureaus are in cahoots with creditors or at least their actions benefit only the creditors, certainly not the consumer. Is anything being done about this and can I submit my CBRs to you to use for an example in getting the law changed? These bureaus have way too much power and are clearly taking advantage of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
I am receiving correspondence from XXXX and XXXX. XXXX is a blogging company and they are doing business of XXXX law firm with this company without representing that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: TX

Complaint narrative:
This was for a medical procedure that was contingent on it working.My MD & me agreed if it did n't work, I would n't be charged. We worked at the same hospital system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
In XXXX of 2010 I realized I would need to let my home go ( located at : XXXX XXXX XXXX XXXX ; XXXX, WA XXXX ) At that time I began seeking advice on what to do. I was told to protect myself I should file bankruptsy which I began the paperwork for and filed in XXXX 2010. I notified everyone concerned that I was doing so and completely emptied the house by the end of XXXX, again notifying them they could take immediate possession of the home, please note that I worked very hard to leave the home in good shape where someone could move in immediately with the exception that the furnace had gone out and was unable to be repaired and needed replaced. For about a year they sent me notices of past due and I would call and tell them the house was vacant I had filed bankruptsy and they would say they would take care of it. Then it stopped for a while and I began getting notices from the Carrington Mortgage Services that they were insuring the house under my name and it appeared the cost was also being somehow listed under me? Again I called them after many attempts finally got a live person who said they would take care of it. They began sending me requests for my tax ID ( SS number ) so they could issue me a document that appeared to be the amount they were losing on the house, again I told them I had filed bankruptsy. I recently received yet another communication stating they would report me to the IRS if I did not supply that information. I sent them a letter back along with my bankruptsy discharge and papers showing the home was included. It took a month to get back the receipt and it came with a letter now stating that I owe {$7600.00} for delinquent payments between my first notification I was vacating the home in XXXX 2010 and when I had formally filed the bankruptsy documents with the court in XXXX ... at least I think that is what it is. The attorney that handled my case assured me that I had done everything I needed to do to protect myself. I am feeling very much like I am being harassed, I take care of my adult daughter with a XXXX and XXXX XXXX year old granddaughters and still work full time. I am hoping someone can help me in getting this all to stop. I appreciate anything you can do or direction for me to go in trying to resolve this once and for all. 
Thank you - Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
On or around XXXX XXXX I was finalizing a XXXX XXXX Bankruptcy. I received correspondence from XXXX County Municipal Courts stating my loan was current and a request was made to dismiss my Bankruptcy and stop my foreclosure proceedings. This request was made by Attorneys representing XXXX XXXX. I had successfully completed 60 months of my payment plan made by my Attorney and the Trustee to saved my home from foreclosure. On or around XX/XX/XXXX I started to receive collection calls from one Loancare company stating that I was in default and that I now owed {$3400.00} on my mortgage. 
The gentleman whom I spoke with never produced any proof that there was in fact a delinquency, I asked if this was a collections call from the loan servicing company he said yes. I asked if he was familiar with FDCPA? I made a request for a full Itemized list of all payments made and payments received to confirm that if I was in fact delinquent that the proper protocol were if fact being followed. A few days later I received a dunning letter without a itemized list of payment. There was not proof of anything that would show that Loancare was a company that was entitled to receive payment on behalf of XXXX XXXX ( XXXX ). The calls were a violation of Section 807 ( 11 ) of the FDCPA Inital Communication and Subsequent Communications. XXXX XXXX al v. XXXX et al, No. XXXX - XXXX XXXX ( S.D. Ohio 2010 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
On XXXX/XXXX/2016 my company requested a verification of mortgage through the email service at Loan Care, XXXX XXXX. After being told that this request would take 7-10 business days and calling daily and speaking with numerous customer service representatives I have received the information on XXXX/XXXX/2016. This delay has cost our client to lose money on the refinance that she is currently in the process of completing. I have spoken with agent 's numbers XXXX, and many more who mumbled their ID number. I have been transferred around and told that even though this was to be put on " high priority '' per the customer service personnel, that I was unable to speak with any managers. They were always too busy to speak with me and I was unable to hold to speak with them. Only after spending my full morning requesting the item necessary I have finally received this item. I offered for our client to call in to assist in expediting, they stated that this will likely not help our situation.

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 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Loan Care acquired the servicing on my loan in XX/XX/XXXX. To date, I have been unable to access my account online to set up monthly auto pays. I have called several times only to be told the website is down. I have had to complain vigorously for them to take a phone payment from me AND ALSO waive their phone payment fee of {$15.00} and the fee for paying after the 4th business day after the XXXX of the month. Tonight, When calling again to inquire about their website issues, I was told the site is not down but that Loan Care 's site is not compatible with APPLE/Safari. Nowhere on their statements or web site does it give this warning. I am again after the 4th business day and have had to argue about their attempt to charge me to process on-line and auto draft payments from my savings account. Their fees escalate even higher on the XXXX day. This is a de facto late charge being assessed and does not agree with my note which states payments due on the XXXX and can not be considered late until after the XXXX. I have never been charged by a mortgage servicer for a payment process that is lower in cost and more efficient than mailing checks which is apparently what they want me to do to avoid their inappropriate late fee assessment. I respectfully request CFPB to instruct the servicer they can not charge me fees for " on time '' payments. The web site issue is another sneaky way for them to catch an unwitting consumer in their process which all seems designed to funnel borrowers into paying additional fees to make on time payments, probably to make up for lost float on payments coming in after the XXXX of the month. That 's probably why they increase after the XXXX day but still before the XXXX day when a late charge is legitimate and permissible per the note ). This is the worst mortgage loan servicer I have encountered in over 30 years and multiple mortgages! Check the online complaint logs ... they are horrible, broadly speaking!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare, XXXX, VA XXXX is the worst Mortgage company in the US and has been a huge problem since it was purchased from XXXX. They have taken out loan pmt from autowithdrawl on the wrong dates twice, causing overdraft fees, they have taken out pmts twice in one month, they have sent letters regarding nonpayment of property taxes. My taxes are paid in full as of XXXX XXXX. I have sent them documentation of these transactions and they still say I have to send them more info regarding prop taxes. The voice mail to talk to someone takes at least 10 minutes per try. Their system disconnects or does no connect to the supervisor when requested. These people should be stopped. XXXX and XXXX have many many many complaints about this company. 
It is mortgage XXXX and they have to be shut down.

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 2016-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT

Complaint narrative:
Our mortgages was sold by XXXX Mortgage to Carrington Mortgage effective XXXX XXXX, 2016. We were in the process of going through a refinance with a third lender and had to wait until our account was active in Carrington 's system before we could order a payoff. On XXXX XXXX, 2016, I called in, spoke to a rep named XXXX, and ordered an expedited payoff statement, checked the balance of the escrow and requested my automatic payment plan be cancelled since we would be paying off the loan before XXXX XXXX payment was due. I was told the automatic payment plan was not showing up on the system and to call back after XXXX XXXX. I tried to call back on XXXX XXXX, but Carrington was closed. I called on XXXX XXXX, spoke to XXXX and repeated my request to have my payment plan cancelled. After being transferred to another rep, XXXX, he told me I was not on any automatic payment plan, therefore no payment could be drafted on XXXX XXXX. I would have to submit a packet in order to get on an automatic payment plan. Our loan with Carrington paid off in full on XXXX XXXX, 2016. On XXXX XXXX, Carrington autodrafted a payment from my bank account, causing me to become overdrawn and charged an NSF fee. We called into Carrington on XXXX to complain and was told they could n't even see the payment posted to the account and I would need to fax in proof of payment and the NSF fee before they could do anything. I faxed in the requested information. On XXXX XXXX, I received a call stating I would need to sign the letter I had faxed in before they could start anything. I signed the letter and refaxed. On XXXX XXXX, I called in to check on the status of my request. According to XXXX, my request has been closed, but no check had been sent out. Each time I call in, I start over and each time I am told that a refund request takes 14 days to process before a check will be issued and mailed out to us. At this rate, it will be XXXX before I see the money Carrington Mortgage stole from us, if at all. Yes, STOLE. I never gave Carrington Mortgage authorization to autodraft a payment. I called TWICE and revoked the authorization Carrington inherited from XXXX. They stole my money and are making me jump through hoops in order to get it back. What 's to stop them from taking a payment on XXXX XXXX? I ca n't take them at their word. The real kicker? We received a letter from Carrington dated XXXX XXXX, 2016 thanking us for ENROLLING in their automatic payment plan to begin on XXXX XXXX, 2016. The letter was postmarked XXXX XXXX. This is the shadiest mortgage company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
i was renting spot from a man to open a XXXX i pay him first month and a deposit i start open my place on the first month from the first day to the XXXX of the month my place was stolen five times they make me going out stock less in a month i have to move out and lost the place because i cant keep up now the landloard report me to the agency XXXX dollar dont know why kindly asking for help with this man please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC

Complaint narrative:
Issue # 1 LoanCare just acquired this loan from XXXX They never send me any mail information to my address I had with XXXX. 
However, my payment was on auto pay with XXXX and never had no issue with them. 
since Loancare acquired I been having some many issues. 
loancare purchase my loan and with in the first 2 months they report me late 60 days then went ahead and called, spoke to a rep some many time and some email I send them they will not give me wherever information they have about me in they system I went ahead instead I give them my information that I give to XXXX. 
I gave my credit card information to set up auto pay and pay the 60 days " late '' i asked the costumer representative many time to make sure this will not impact my credit score she said " no you are not late yet '' gave my credit card information to pay new account with loancare Charged for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
However, LoanCare reported my mortgage 60 days delinquent. 
I called LoanCare and was told to send this email in order to have this mistake corrected they refused to fix my credit report. 
Please help correct this error right away as i need my credit score accurate in order to finance a car. 
Issue Number # 2 Loancare REFUSES to pay For my insurances for the property. 
Property has XXXX units XXXX different property address with the same parcel number. 
I also talke to them many times and they keep saying we are sorry we only purchase XXXX unit and that what we are unsurance. the property is XXXX unit and XXXX units attached they will not pay for the insurance of the XXXX units attached. 
the Property has been with out insurance for the past 8 months. 
Thank you for your attention to this urgent matter,

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 2016-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a checking account with BBVA Compass bank AND a XXXX XXXX account in XXXX. 

They have an option to transfer money from XXXX account to the other " instantly '' generally within XXXX minutes.. 

They frequently debit my money right away and then delay the deposit in the other account. Unless I call and spend approx XXXX minutes on the phone with people that are clueless about this process to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I refinanced my home. I paid off the existing loan before the 30-day late period, yet my credit score has been hit with a 30-day late on the account. It has been a month and it is still there. They are saying I am paid in full and never late, yet my report still shows it.

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