vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.

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 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX my home was flooded during hurricane XXXX and and was not livable and we were displaced. We contacted our insurance and got thing 's stared on XXXX XXXX .Working with Loan Care was a nightmare from the beginning the incompetence Communication and lack of organization was unbelievable .They lost parts of FAX Numerous times declined a contractor without letting me know WHY A month later when I called to find out what was happening? I was told that needed another contractor bid.I was rather upset sine my home was stilling in water moisture and mold and that they weted a month without informing me. Upset I bought Fans and Dehumidifiers to dry out my homeI called to find out about getting Reimburse I was told that I could n't place then in my home or be reimburse After months of lost & missed placed paperwork and no communication they told me they had sent {$20.00} in XXXX in XXXX and they immediately over knighted a check that had we had that check in XXXX we could have had our home dried much sooner The was to be signed by all parties and given to contractor as per Loan Care and caused much stress on us during an already terrible stuation the endless being switched around from person to person asking Over and Over for copies of all paperwork pertaining to our loan because the flood had ruined our copies. Loss of communication on contractor process not having a choice or allowed to have a choice in who did the home repairs but had to sign a contract. I feel that what they put us through caused our home to be damaged even more than the flood had. This contractor was to be complted by XXXX XXXX yet inspection says 30 % complete and that contractor demolished more then needed and was given {$40.00}. Causing us to be in a situation they may cause loss of our home could not pay the mortgage this month for the first time. We have had to deplete our saving and now we are on our way to foreclosure.This was a flood not caused by Loan Care but because of them uor Life has been greatly affected XXXX/XXXX/XXXX still have not got any paoper work I ask for.AND THERE IS MORE

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 2016-08-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had {$11000.00}. transferred to my credit card with Compass Bank, as a credit overage. On XXXX XXXX, 2016 I requested {$10000.00}. be mailed to me. As of XX/XX/XXXX the money had not been revcd. I called & was told they would do something better and transferred it to my checking acct - ( approx. within 3 days ) - On XX/XX/XXXX still not recvd. Talked to a supervisor who was not very helpful as to my urgency, but said it would be in my acct the next day which would have been a Saturday, and I questioned that. Well today is Tuesday XX/XX/XXXX and the money is still not in my chck acct. I feel at this point they have made me incur some addtl charges on money I had to pay a worker ( {$56.00} ), ATM fee to XXXX ( XXXX ) to withdraw {$400.00} on XX/XX/XXXX, and a late fee on my water bill ( not yet known, but maybe about {$2.00}. I feel they should reimburse me for these expenses which were incurred to their not returning my money, and maybe even pay me interest same as they would have charged had it been a debit. Also some kind of reprimand so this does not happen to anyone else. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach.

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 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I called NCC and made arrangements to pay a debt that I owed and XXXX XXXX continues to call me. XXXX XXXX calls me and he seems not to remember that he has called me. XXXX XXXX calls me all the time early in the am and XXXX and XXXX times a day. I have made a payment on the debt and stated when I was going to make other payments but XXXX XXXX continues to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I was getting calls sometimes within XXXX minutes of each other through an automated system. They kept harassing me even though I am disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I have no idea what this debt is for. I was never contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
My refinance started in XX/XX/2015 with Carrington Mortgage. Around XX/XX/XXXX I called them for status update on the refi, processor said my VA was not XXXX percent entitlement. after XXXX calls to the VA, VA called Carrington mortgage and explain that it was XXXX percent entitlement so they said I could close XXXX XXXX 2015, nope then they said XXXX XXXX cause everything had to be redone. NOPE so then they said everything was redone because it took so long and that I would close XXXX XXXX,, NOPE I called, told then Im about to lose my interest rate so he emails me back said he was applying to extend my interest rate tomorrow XXXX which I was suppose to close on XXXX XXXX, Im am so fed up with Carrington Mortgage. Still no closing date makes no sense to me they are the worst company I have every dealt with in my life. Still no resolution. In XX/XX/XXXX I called their boss and he basically told me if I did n't like it I could take my refi somewhere else. The incompetency at this level phenomenally mind boggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I am filing a complaint against NCC Business Services located in XXXX, FL ( Phone Number XXXX ). When seeking a pre-approval for a mortgage, I discovered that NCC Business Services had reported XXXX eviction entries on my account. XXXX was a collection account entry and the other was a court judgment entry for the same matter. After contacting the court, I discovered that the court case was in the name of XXXX individuals whose names are not mine. After contacting NCC, I was also informed that my social security number was not in their system at all, and that there was not a social security number associated with the aforementioned account ( based upon their records ). 
I promptly informed NCC that these inaccurate entries were preventing me from qualifying for a mortgage, as well as preventing me from renting another house, and that I needed to move in two weeks. I provided them with my documentation and was told that they could not tell me how long it would take to resolve this matter. When I asked whether they could provide me with documentation showing that the entry was not accurate and that they were in the process of removing it ; I was told no. I explained that my family would be homeless, and they indicated that there was nothing they could do about it. 
When I inquired about how my social security number was associated with this account, or why they inaccurately reported my information, they would not tell me. Instead they told me that asking questions about the matter would not resolve the issue, and that I needed to follow all their requests by providing additional personal documentation. When I informed them of my concern of providing additional information, when my personal information was already compromised, they said it was nothing they could do about that. Every time I asked any question regarding this matter, they informed me that I was not going to resolve this issue by asking questions, only by submitting additional documentation. Finally, when I asked to speak to someone above the manager, I was told that he was not available. I asked was he ever available and was told that he would tell me the same thing. I asked again for the contact information of the person above the manager and was provided with the name of XXXX XXXX, VP of Operations, and then given a non-working number. 
NCC Business Services made a terrible error in reporting inaccurate information to my credit report, and did not follow appropriate or legal measures in ensuring that they were reporting accurate information to my credit report. In addition to making this error, they have failed to even take responsibility for this error, or provide me with an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My mortgage was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC XXXX 2015. I have been informed that I have no control over which company buy and sell my loan which I find disturbing. Carrington Mortgage Services LLC has the worst consumer services. I stayed on the phone tonight at least 30 minutes waiting to speak to a consumer service rep. regarding notice from Carrington informing me of additional random fees that can be assessed to my account. I requested a copy of the my initial loan regarding additional fees. But I feel it 's unfair that my loan has been sold to a debt collector when I am in good standing with my loan. I feel that these so called fees are ways for Carrington Mortgage Services LLC make profits off consumers and that 's not fair. Carrington is already getting the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX sold my mortgage to Carrington Mortgage Services, LLC in XX/XX/XXXX, and they have refused to take mortgage payments, has not provided the original wet ink signed unaltered documents showing proof to collect, refused a short sale, refused assumption packet, had my homeowner 's insurance canceled, submitted altered documents to XXXX and XXXX courts requesting to foreclose on my property three times with most recent letter dated XX/XX/XXXX with a move out date of XX/XX/XXXX. CMS provided altered docs stating I defaulting on loan in XX/XX/XXXX and did not reinstate the loan when I have documents showing that XXXX approved a loan modification and said for me not to may payments from XX/XX/XXXX - XX/XX/XXXX. CMS submitted docs to County 's recording office stating I appeared in CA and other locations that I did not appear. Did not honor the Administrative process to show proof of " said '' debt, and the mortgage loan has been securitized and CMS can not produce a clear title or show true holders of the promissory note or title. CMS has tried to force me to move out of the property and refuse to work with me. CMS has rude customer service reps, do not apply payments in a timely manner, called to cancel my homeowner 's insurance, increases customers mortgage payments without valid explanations, changes the locks on the residents homes, make attempts to break into properties, file fraudulent docs with County 's Clerks office, website will not accept online payments - forcing customers to pay additional money for alternative payment methods. CMS is a very dishonest company who do not seek to work with its mortgagee but rather are quick to use deceptive practices and altered documents to enforce foreclosing proceedings. CMS will lie, created fraudulent documents, send over workers to illegally enter your property, and submit fraudulent documents to courts and County 's Clerks office to conceal their illegal attempts to steal your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank, without giving any reason, asked me and my wife ( we both had our separate individual accounts ) to close our checking, saving and money market accounts and warned us that if we will not close the accounts within 30 days they will close the accounts. The balance in the account was returned after three weeks in my case without any interest. We had no problem with any other bank where we had our accounts or opened new accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: NJ

Complaint narrative:
My mother, XXXX XXXX died on XXXX/XXXX/XXXX. Shortly before her death, she spoke with me as to her home which she purchased for cash in the XXXX. The property is located at XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX. She wanted the property to go to me and my siblings. In the last stage of her life, my sister had to move in with her to take care of her. After her death, I assumed my sister would continue to reside in the home, so I did not pursue selling the property. On XXXX/XXXX/XXXX, I was served with a notice of intent to foreclose on my deceased mother 's property, with a notice that I had 30 days to dispute the validity of the claim or debt. The notice claims that there is a mortgage on the property and I am completely unaware of such. My mother is XXXX and spoke very little XXXX, and understood very little. She was also declining in XXXX and was approaching XXXX. Her driving priviledges were taken away, and she needed help to get by day to day I do not believe she knowingly signed any mortgage, and as such, I responded to the law firm on XXXX/XXXX/XXXX certified with return receipt. It was received by the law firm on XXXX/XXXX/XXXX, and I received NO response. I called them and was told they would get back to me. They never have, and I have called them repeatedly, they always say they will get back to me. I do n't know what else to do, and I am asking for help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
My payment is listed as 30 days late on XXXX credit report for XXXX. Notified company to update with no results. It is listed correctly on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
i made acheck payable to gm financial using my personal checking acount some XXXX alter the check the check was supost to be for XXXX the made the XXXX look like a XXXX there my acount was debited XXXX dollars gm financial is stating they havent received the payment i contacted XXXX XXXX wich is my bank they saying that the check was cashed i went multiple times to the branch with no help they saying investigating but gm is charging me all kinds of late fees the last thing that XXXX XXXX did was correct the amount but a month later gm still calling me about the miss payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a auto loan issued by Sovereign Bank and they sold it to Santander. Now Santander is reporting the account illegally reporting 90+ day lates month after month since the charge off date and have it listed as a 240 month loan. This was a car loan and car loans are n't 240 months just further confirming that they do n't even have the correct information to report this. I have tried multiple times disputing through the bureaus to no avail and have been ignored in demanding that these companies provide all the documentation showing they have it and are reporting correctly. Please help I tried to go through the proper channels and have been brushed aside.

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 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I called Nissan Acceptance regarding my Car payment today. The representative that I spoke to was rude and cut me off several times during the conversation. I asked to speak to a supervisor and she transferred me to a general voicemail. It did not identify anyone on the voicemail. I called back and ask for a supervisor and that representative did the same thing, they transferred me to general voicemail with no one 's name or extension on it. I called back a 3rd time and explained to the representative that I need to speak to supervisor and that I keep getting transferred to a voicemail and he responded " : Maybe there not XXXX available and that why you keep getting voicemail and then placed me on hold. Finally a supervisor came on the phone. I explained to the supervisor that my payments that I am making on Nissan 's website are not being credited on the day that I authorized them. They are being credited a couple of days later. She explained to me that the payments are not back dated to the day they were authorized. I explained that I authorized my payment on XXXX and as of today XXXX/XXXX/XXXX the payment still has n't posted and I am being accessed 3 additional days of interest that I should n't. I also explained that their own website shows the payment that I authorized on the XXXX is pending. I also advised the payment I made last month was made prior to the XXXX but it was credit on the XXXX. The supervisor stated I should look at other forms of making the payment like XXXX but even then the payment has to be there by XXXX in order to receive credit the same day. I explain to the supervisor again that I understand cut off times however the system can clear determine what day I authorized the payment for and the payments should be back dated to the day in which the payment was authorized not 2 or 3 days later because I am being access additional interest for these days. She said she could summit a suggestion that Nissan fixes this issue but there nothing I can do at this time and there no guarantee Nissan will ever fix the issue. I advised the supervisor I will be filing a CFPB complaint because Nissan payment posting process of not posting payments when they are authorized is resulting in me having to pay more interest on my loan because they are posting the payment days after I have authorize the payments and not back dating to the effective date in which I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: HI

Complaint narrative:
They keep calling one call after another

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DFC Global Corp.
State: NM

Complaint narrative:
I am a servicemember who was serving with the XXXX XXXX and had an auto loan open with XXXX XXXX, through the XXXX program created and operated by DFS. I received a redress check in compliance with Consent Order File No. XXXX. I was traveling for my ( then ) current job at the time the check was mailed to me, and as a result it was placed in an archive of all my mail that my parents were keeping for me while I travelled. I did not return and go through all of my mail until recently, and because of this, the check that I was sent is more than ( XXXX ) days old, and is therefore void. I have contacted both DFS and XXXX XXXX XXXX ( the company contracted by DFS to issue redress checks ), who have both told me that they can not, or will not, do anything for me. This check is almost XXXX ( XXXX ) dollars! I read the compliance order, which states that it shall be effective and honored for XXXX ( XXXX ) years, and it has not been honored with regard to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief