vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: FactorTrust, Inc.
State: PA

Complaint narrative:
I applied on XXXX XXXX, 2017 for a lease with XXXX, and the application was denied in part on information received from Factor Trust. When I requested a copy of my credit report from Factor Trust, Factor Trust refused to provide me with the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? 

In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. 
A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. 
With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. 

Incredibly insulting with total lack of respect following a sincere and honest mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendingPoint Holdings LLC
State: SD

Complaint narrative:
I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.

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
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On my account ending in XXXX, I have opted out for and and all courtesy overdraft protection options XXXX ATM & Everyday Transactions - Checks & All Other Transactions ). On XXXX/XXXX/2015 my available balance was {$31.00}. On XXXX/XXXX/2015 a payment in the amount of {$300.00} was posted ( POS AUTH XXXX XXXX Auto Finance XXXX ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington mortgage has bought my loan from XXXX XXXX XXXX, since they have, my account has been mixed up with another account. My payments have been misapplied and messed up since. Now they are trying to foreclose on my home and will not fix the solution so we can continue my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. 

AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. 

PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. 

PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have asked Account Resolution Service to send me validation of these debts they continue to report to the XXXX major credit bureaus. They have failed to send me anything that is contractual binding of me to pay this debt instead I got a letter on their letter head stating I 'm to pay this debt. How can a company, just say you owe something without any supporting signed documentation? I 'm writing to you for relief from Account Resolution contuining to report false information and exhortation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
In XXXX of XXXX Carrington mortgage lost a postal money order that was sent with another money order along with payment coupon in the same envelope. When I contacted them after checking my account information online they said I had only sent a partial payment and put my next payment into a suspense fund. An employee told me when I called that they would research this and get back to me. That did not happen, when I called again later that week I was told it would take 30 days to research this and that they would let me know what the findings were. I was told not to make a payment until this was resolved. I have been told week after week that they were still researching the missing payment. This could have easily been resolved if they would have just said they lost or misplaced the payment as I could have easily gotten a refund from the United States Postal Service and resent the money order. From XXXX till now I have still not received any resolution. This has been going on for over 90 days, this company has ruined my credit in the mean time. I called and asked what I could do to get this resolved and I was finally sent a payment coupon for the amount of {$7100.00} to bring my account up to date. The payment coupon was for XX/XX/XXXX.This was the first correspondence that I have received from this company in months. The day I received this I also received foreclosure papers from the Sheriffs Department. When I called to find out for sure how much would bring my account up to date I was told {$7100.00}. Today I was checking my account online only to find out that they have taken money that they put in a suspense fund and now they say that I owe another payment. I was told all fees would be in that {$7100.00} and my payment would be up to date until XXXX XXXX. Now I was told that is not the case. This company seems to make up its own rules as it goes along. A representative named XXXX asked me to fax all the information that I had, I documented phone calls copies of the money orders and the people I have spoken to, I faxed this information to her XXXX/XXXX/XXXX. All of this information has been faxed to this company 4 previous times. I have lived in this home since XXXX XXXX, XXXX. I would not have done anything to have put my home in jeopardy. I have not had any problems with any of the mortgage lenders I have had before it was sold to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My loan was recently sold to LoanCare LLC and my first payment to them is due 5 days from now. I have tried to setup an online account so that I can make my payment on time, but their system tells me my loan number does not exist. I have tried to call customer service but have been unsuccessful in reaching anyone. I left a voicemail which has not been returned. I also submitted an email through their website, which has also not been returned. In short, this company has completely ignored my existence and I am very afraid of what they will end up doing to my credit score due to their incompetence.

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 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
they put my sons collections on my report he has the same name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I have had repeated issues and concerns with LoanCare. I recently refinanced with a different bank, and in spite of paying off my loan with LoanCare and stopping my automatic payments, LoanCare continued to withdraw funds from my checking account ( over {$1500.00} ). I called LoanCare and they explained that automatic payments were not active on my account, nor did they have any credit on my account reflecting the payments that were still being withdrawn from my checking. I called my bank and they explained that the money was indeed being withdrawn by an external party, namely LoanCare ( it says it right there in the transaction description ). My bank is blocking LoanCare and reimbursing me for the amount that LoanCare claims not to have.

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 2016-09-25 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: NJ

Complaint narrative:
ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX of the bank card on my account was deactivated due to possible fraud charges on XXXX. We were not informed in any way by our bank BBVA Compass. Finally on XXXX I went to XXXX of local back location to be told why my bank card was not working. At that point the manager told me that a replacement card was reissued and it should be available in XXXX business days. so we waited. On Saturday XXXX I made a call to customer service. the first rep XXXX disconnected after she verify my account. than i called back. when I called back ( i did n't get that reps name ) she verified my account explained my issue. She told us that no card was ever reissued. I request it be expedited with no charge to us. that rep said she need to verify with the person the card is made out to. when my husband got on the call she had hung up. When I called for the XXXX time, I explained the whole situation to rep XXXX. he placed us on hold for a manager. He checked back once. that at XXXX CST, he hung up on us again. NO rep ever tried to call us back. because it was now XXXX all of BBVA Compass banks customer service were closed for the day. for us to get this issue resolved on Saturday and we had to wait until Monday to call back to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordable payment. That 's all we have been asking for!! We have paid for over 15 years, almost {$2800.00} a month and yet we can not find someone at US Bank to get us a lower payment so we can keep our home! Now, we face being foreclosed on! We are more than angry! We want US Bank to pay for our delays, and all the charges we have accrued from their incompetence!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00}

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I signed up for a Small Business Checking account with U.S. Bank on or about XX/XX/XXXX with a E-Deposit limit {$10000.00} for daily deposits. On XX/XX/XXXX I attempted to make a deposit of {$2500.00} and the deposit was declined. I was told my limit was lowered to {$2500.00} XXXX without notice ) and now I am unable to deposit my check. I contacted customer service and spoke to XXXX tier customer support and was told " nothing could be done '' and that " it will not change ''. I have never have had a returned check, a bounced check or any negative account interaction. I maintain XXXX times the required minimum balance for the account. Calls to a regional manager XXXX XXXX XXXX XXXX XXXX at XXXX are not returned. The nearest branch and/or atm is over XXXX miles away from our location to deposit our checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Elan Cardmember Services applied payments that exceed the minimum to new promotional balance vs old promotional balance.

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 non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
This problem started last year XXXX of XXXX in XXXX XXXX Texas. I 'm a XXXX veteran XXXX I turned all the paperwork in the month of XXXX XXXX when I retired from the military XXXX/XXXX/XXXX. The taxes district appraisal had my paperwork and said that they would send my documents into my bank. My bank, US BANK never received the documents. The District Taxes Appraisal said " It would be sent out in the month of XXXX, US bank would receive by XXXX they the mortgage rate would be changed then ". I called my bank in the month of XXXX or XXXX after leaving the District Taxes Appraisal seeing if they received my documents the rep from US bank said NO. the rep stayed on the phone as they talked & talk with the rep from the district appraisal. Nothing happened XXXX had n't done there part to send documents in. In the month of XXXX was at XXXX from the Department of the military. I turned those documents in my bank, through the district appraisal. It went in right away. Previously I received documents from US BANK stating that my mortgage would be at {$1800.00} starting the month of XXXX till there were new document to prorate & there would be a new mortgage balance. The bank totally ingored my documnets. I had my documents turned in on time before they sent the new bill of XXXX. I 'm curently behind on mortagae due to this. I 've had XXXX diffrenet amounts for mortgage. Being at XXXX my mortgage is XXXX ... Other veterans I 've spoken with is also in XXXX XXXX of XXXX XXXX their 's mortgage is in the low {$800.00} or high {$900.00} same square footage as well. I 've never been late on mortgage payments until XXXX XXXX US BANK old me they had noted my account several times with information once I missed payments they did n't know where notes had went, it 's as if they did a XXXX ' degree turn on me I felt like I was be abused by they mortgage company please help

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 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: MD

Complaint narrative:
This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.

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