vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
The mortgage service company Loancare accepted my XXXX payment, but did not credit my account. Despite several phone calls they started sending certified mail threatening foreclosure. I made 3 payments in XXXX, but the notices continued. I have now logged over 30 hours on the phone with this company and provided my cancelled check image 7 times. They repeatedly promise to look into the issue or elevate the issue, but now its been 3 months and they still have my money with no credit to my account.

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 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
I have already placed a complaint re : Carrington Mortgage Services and the problem with our escrow account. 
I would like to add that we are still getting no where with them. They continuely have computer issues " my computer is down so I cant see your account '' " I have limited access to the system, maybe you could call tomorrow '' They also state that they have not received paperwork from us. And they most certainly have. I have sent proof to them ( as they requested ) that our escrow account is NOT in a deficit! 
In the meantime, we are falling behind because they are not accepting payments from us. 
We will never get help from them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: HCFS Healthcare Financial Services of TeamHealth
State: MD

Complaint narrative:
Unknown item listed on my credit file, I dispute and request validation and nothing happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My home closed on XX/XX/2016. I contacted Loancare ( who the mortgage was through ) at the end of XXXX about any escrow balance. They informed me we had just over {$43000.00} in escrow that was due to us, and that the funds were released XX/XX/2016. We have NOT received any of this money. Yes they have my updated information. I have requested new checks 4 times now and every time I call I get put on hold and they just tell me " the situation has been escalated. '' I have documentation showing how many times I have called, the messages I have left, and the emails I have sent. I hired an attorney to send a certified letter to Loancare, which he did, stating if the funds were not in hand by XX/XX/2016 I was filing a lawsuit. All I got in response was a generic email and NO money. My attorney recommended then that I contact the ILDFPR and they requested I contact you. I have documentation of all of the above and how we have not gotten a refund. Please help me! 

( I would also like to mention that the loan is under XXXX and XXXX. XXXX is my ex husband we owned the house together. When we divorced I went back to my maiden name of XXXX. I have court documentation proving all of this and can provide you with XXXX information if needed, he is aware of the situation and on board with moving forward. )

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 2016-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a HELOC with BBVA Compass Bank. This morning I phoned my branch to inquire as to why my automatic payment that was due on XXXX had not been taken out of my account. The person I spoke to could not answer my question and informed me that my branch did not have a manager. I called the main number to the bank and after being on hold for more than 20 minutes I spoke to a manager named XXXX # XXXX. He informed me that because I made a principle payment in XX/XX/XXXX, the bacnk takes that money and applies it to my XX/XX/XXXX payment and does not take out an automatic payment when one is due. That means that the bank continues to charge me interest for an additional month. In my opinion that is just plain stealing. I set this account up so that the payment would be taken out automatically and I could make additional payments when I could afford it. I have XXXX children in college and I work XXXX jobs just to try to stay ahead and then I find out that the bank is stealing from me and probabley XXXX other customers because no one told them how to avoid this issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: WY

Complaint narrative:
I got a bill from HCFS Healthcare Financial Services LLC, XXXX BILLING CENTER, XXXX , XXXX, OH XXXX The bill amount is {$38.00}. 
It says that the bill is for services provided to me at XXXX. It does n't say when what kind of services. The bill does n't show which location exactly the services was provided to me, it does n't mention any city name and neither does it spell right the name of the hospital correctly. It does n't say the date that service was provided to me. 
The bill looks fake because I always get bill directly to my Hospital account. I called billing service of my hospital, the billing services told me that I do n't owe them any bill at all and they always post bill at my hospital account billing summary. They do n't send third party to collect my hospital bill. 
When I verified with my hospital billing department, they told me that they do n't have any business with HCSF Healthcare Financial Services , LLC XXXX BILLING CENTER XXXX XXXX OH 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 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. 

LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.

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 2016-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
We satisfied what we thought was the final settlement with the holder of the debt. No attempt from NCC BUSINESS SVCS INC was received explaining that they are going to be the holders of the debt. A surety bond was even exercised by the original holders of the debt and a clear validation was never distributed to my brother XXXX and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE BEEN IN DISPUTE WITH BBVA BANK SINCE XXXX IN REGARDS TO LATE PAYS THAT HAVE BEEN TAKEN OFF DUE THE THE BK ON FILE AND PMI ISSUES THAT AS WELL TAKEN OFF. ALSO AT LEAST XXXX PAYMENTS NOT POSTED CORRECTED. 
NOW I HAVE ATTACHHED MY BK ATTORNEY DOCS AND US DEPT OF BK FILED AND SIGNED BY THE JUDGE ON THE MODIFICATION OF MY MORTGAGE. IT SEEMS THAT BBVA NEVER COMPLIED WITH THE CORT ORDERS WITH THE NEW RATE AND TERM AS WELL THE PAYMENTS SINCE THE CASE CLOSED XX/XX/XXXX. I HAVE TALKED TO NUMBER OF VP 'S IN THE MORTGAGE INDUSTRY AS WELL MY OWN CREDIT UNION XXXX. I HAVE BEEN IN XXXX FOR OVER 20+ YEARS AND KNOW FOR A FACT THAT THIS TIME BBVA HAS REALLY DROPPED THE BALL ON THIS CASE. 
I WILL BE FORWARDING THIS COMPLETE FILE TO HUD/FTC/FAIR LENDING COMMISSION. SO REVIEW THIS CASE AS WELL. 
THIS LOAN SHOULD HAVE BEEN LOCKED AND FIXED UNDER CASE XXXX FILED UNDER THE UNITED STAES BANKRUPTCY COURT XX/XX/XXXX. 
I CONTACTED BBVA AND THEY STATE MY RATE IS ONLY GOOD TIL XX/XX/XXXX AND ITS VARIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. 

They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. 

I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. 

Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. 

Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
debt collector refused to release lien on my property after I paid There was not a description above that matched my problem! 

the agreed amount in full. I paid debt as requested on XX/XX/XXXX and per CA laws should have gotten a release filed with County in XXXX days. 
I have contacted them by phone and in writing at least XXXX times without any response. 
It is now XX/XX/XXXX XXXX days since payment and no release provided by debt firm. Debt firm says they do n't have a substitution of judgment but per superior court records they got one on XX/XX/XXXX from XXXX collections ... previous owner of the debt ... there is no excuse for not providing the required release!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. 

Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. 

Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.

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 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Compass Bank Accessed a {$38.00} fee on XX/XX/XXXXfor {$10.00} despite the fact that I had a deposit of {$1400.00} in the account. The customer service rep I spoke with on a recorded line stated the put the {$10.00} through on the XXXX. They money was available as if the date. The recording clearly states the date. If the rep had stated the XXXX, that would be a different story. However, with the recording they can not back track now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I had XXXX loans transferred to Loancare Servicing from XXXX Mortgage. During the transfer process, I setup automatic payment, as I have done with all of my mortgages. They took all my payment information and told me things were set. A month later, I get a call regarding the mortgage payment. I informed the representative that this is the XXXX time now, that I am giving payment information. As the person is inputting my information, they see that the info is already in the system. They say this was odd, but tells me I 'm all set and there should be no more issues. I have this exact situation happen XXXX more times, I then requested to speak with a manager. The manager gets to the root of the problem. Apparently, there was a fee of some sort that needed to be cleared before payment could process. This was not mentioned to me prior and neither of the XXXX representatives I dealt with on the matter, knew about. The manager apologizes and processes that fee. I proceeded to ask why this was not mentioned prior and would their mistake affect my credit. The manager stated it was either new processors or a new process and my credit would not be affected. My entire mortgage history has been and was clean prior to their errors. Now my credit shows XXXX XXXX day lates that was their error, not mine. I have disputed this several times through XXXX XXXX and they keep sending it back as accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AE

Complaint narrative:
A mortgage I have on my home was recently taken over by Myloancare.com. They have been very difficult to communicate with since dealing with them. We attempted to make a payment and recieved an email confirming that a payment had been recieved, but we have not yet seen the money deducted from the bank account that I authorised them to use. I feel like I am being set up for them to forclose on my home and feel helpless to do anything about 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
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
my mortgage was sold fr= from one bank to another and the new bank will not honor the payment agreement made with the the first bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
I CLOSED MY BANK ACCOUNTS WITH U.S. BANK 2 MONTHS AGO. THEY SENT ME A LETTER STATING THAT THEY CLOSED MY ACCOUNTS. IN THE MEAN TIME, THEY RECEIVED MY SOCIAL SECURITY CHECK AND WILL NOT RETURN IT. I FILED COMPLAINTS WITH THE BANKING INDUSTRY AND THE XXXX. I ALSO ASKED THAT U.S. BANK NO LONGER CONTACT ME. U.S. BANK CONTINUES TO CONTACT ME. THEY SENT ME A BANKING STATEMENT LAST WEEK AND THE FOLLOWING TODAY : View this email as a Web page. View our Security Policies. 
U.S. Bank ( R ) U.S. Bank ( R ) Action : Your primary email address has been changed. 
Date : XX/XX/2015For your protection, U.S. Bank automatically alerts customers when personal information changes on our systems. If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX XXXX ( XXXX ). Please do not reply to this message. 

To confirm that U.S. Bank delivered this Alert, access the Alerts link within Online Banking, select Security Alerts and view Alert History. 

Online Banking customers can receive other important account activity alerts, like low balances, when payments are due and much more -- all for free. Sign up or learn more today at usbank.com/bankonline. 

Find us on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Bank MobileXXXXBranch XXXX ( XXXX XXXX U.S. Bank Mobile1. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges. 
EMAIL SECURITY INFORMATIONEMAIL SECURITY INFORMATIONEmail intended for : XXXXXXXXXXXX your privacy is our priority. We 'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXXXXXXXXXX or call U.S. Bank Customer Service immediately at XXXX ( XXXX ). 

Get more details about recognizing online fraud issues. 

Note : If you 'd rather not follow links from this email, you can access information on all U.S. Bank products and services at XXXX. 
To ensure that you continue to receive email from us, please add us to your Address Book ( XXXXXXXXXXXX ). Thank you. 

You are receiving this message as a service to your account because you are enrolled in Online Banking. U.S. Bank automatically alerts customers when personal information changes on our systems. 

View the U.S. Bank Privacy Pledge. 

U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( C ) XX/XX/2015 U.S. Bank, N

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have signed up for US bank Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$75.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2016 My partner and I met with ( XXXX | U.S. Bank Home Mortgage Mortgage Loan Originator | XXXX, OH XXXX ). From our initial meeting there were a few red flags that my partner and I chose to ignore. He was 45 minutes late to our first meeting and he declined to provide my family and I a private location to discuss our loan situation despite the fact there was an empty office available. During our first visit we explained to XXXX that we wanted to secure a VA loan. He said that would not be a problem even though my partner and I are not married. On XX/XX/XXXX XXXX suggested we contact a friend of his to purchase our home owners insurance. I informed him that we will stay with the company we already had. After that exchange his attitude toward us changed in a negative way. On XX/XX/XXXX My partner and I were informed that we could not use the VA loan option because we are not married. He waited more than one month to inform us of this issue. He then suggested that we try a VHA loan. Throughout the process my partner and I were subjected to discriminatory and humiliating treatment from US bank and XXXX. His desire to push us into a Loan option with a PMI and additional monies upfront was a clear example of his lack of respect for minority buyers. He stated that we would need XXXX down on a loan amount of XXXX. He treated us like we were ignorant and his predatory tactics are disgraceful. It is clear that as XXXX minorities we were racially profiled by US bank and XXXX and this type of practice should not be allowed to go unnoticed. Despite the discrimination and lies from US Bank and XXXX, my partner and I were able to purchase our home in a timely manner. It is our hope that lenders and their representatives who purposely engage in discriminatory and predatory lending tactics should not go unpunished. We hope that our incident can help other minorities who are subjected to unfair lending practices. 

Thank You

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