vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 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: Southern Management Systems Inc.
State: MI

Complaint narrative:
I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a " liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all, but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get.

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 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have an account with BBVA Compass. Appears they charge fees whenever they decide to. I was charged {$10.00} from my account without them giving me an actual date. So I tried to call them today with 8 attempts, either I was disconnected from the robot call or someone from offshore. My account is set to speak with only someone in the United States. However these people refused to transfer my call. I 'm very disappointed with how BBVA handles banking for their customers and the phone reps should be educated on what the customer request. Their attitudes are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FactorTrust, Inc.
State: TN

Complaint narrative:
I applied for and was denied consideration for a loan. I requested a report to see what was on the report upon receiving the report I noticed inaccurate and redundant information on my report and created a written dispute accordingly. The company continues to post inaccurate data on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Bbva placed a security hold on my account on XXXX. My employet has deposited my checks via direct deposit into this account. Ive been told i will not have access to my funds until they hear back from their upper management to figure out why my account is on hold. Ive tried faxing documents to verify my account and they wont even allow me to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 
2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 
3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 
4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. 
In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 
2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 
3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Our loan was sold by XXXX to XXXXLoan Care after being with them over a year. Our mortgage payment is going up considerably because our property taxes went up, so there is a shortage in our escrow account after being sold. We would like to handle our own escrow account so our monthly mortgage payment does not go up so much that is becomes unaffordable. The issue is that by law the mortgage company is allowed to collect more than they need in order to have a reserve, which impacts our monthly mortgage payment. By managing our own escrow account we can just continue to pay enough to cover the taxes and homeowners insurance. The other issue is that we can never get through to anyone that can make a decisiion in the Escalation Department and Customer Service will not give us a direct number. My wife has been calling and sitting on hold for hours and than will get conflicting information on their policy. It seems like they just want to run out the clock since we either have to give them a lump sum by our XXXX 2016 payment or pay the new monthly payment which is {$300.00} more than we we have been paying.

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 2016-03-17 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: FL

Complaint narrative:
I completed my whole lease agreement with every payment on time and gave notice 60 days before my lease expired. I do not know this agency anything and feel this is a scam. I called the original complex and they have a whole new staff with no data at all. Please help assist me. This is not right or fair when I did what was called on me to do.

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My information was used to illegally open a line of credit. My signature was not written in person and therefore photo-shopped onto an application for processing. The funds were obtained and used. The company is saying it is my account, but the address used is an address I have never resided at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: TN

Complaint narrative:
I rented an apartment and in XXXX XXXX, I bought a home and did not sign a lease, I did a month to month for XX/XX/XXXX and XX/XX/XXXX. I did a walk through and did not owe any damages and gave them proper notice. I also paid my rent via check and I have proof that I paid in XX/XX/XXXX, because it was a pro-rated amount for {$75.00} and I submitted the proof to the collections agency as my old bank is trying to research the XX/XX/XXXX check from XX/XX/XXXX. I left in good standing. I faxed my documents to the agency on XXXX/XXXX/XXXX and they were supposed to forward it to the apartment management company. I followed up on XXXX/XXXX/XXXX and was told it takes 7 days for it to show up in their system, it has been 8 days. I have n't been able to contact the apartment owner, XXXX XXXX, as they no longer own the apartments. I was told I owe {$1200.00}, when I have paid and submitted documentation. the rep at the collections agency, stated that now they are saying that I did not give notice, and that is what the bill is for, when I gave notice, because it was up in XXXX XXXX and I was able to stay there until XX/XX/XXXX when I moved into my home and gave more than adequate notice. I left a forwarding address in order to receive my deposit, which I never did and have not heard anything from anyone in 6 years. The collections agency refuses to accept my proof. It stands to reason that I paid XX/XX/XXXX and would also have paid XX/XX/XXXX. I feel this is an attempt to extort money from me. The apartment manager at the time was XXXX, and I did give her notice and she was the one that came up with the pro-rated amount of {$75.00} for XX/XX/XXXX. I paid my rent on time monthly for the time that I was there, was never late and did not leave any damages. I feel the collections agency just wants to get money from me that I do not owe. The rep today, XXXX stated that she was going to order and mail me the validation of debt today, XXXX/XXXX/XXXX which I do not believe, as the other rep, XXXX XXXX, on XXXX/XXXX/XXXX gave me a fax number to send documents that they have not sent to the client in order to resolve this issue. the fax was sent on XXXX and I validated the fax number with the rep named XXXX. I hope that I wont have to get an attorney to challenge this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.

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 2017-01-19 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CT

Complaint narrative:
we signed up with Global Client Solutions to consolidate our debt with some creditors. They said they would handle all the negotiations and our creditors would be paid. We could never reach anyone on the phone, we were paying XXXX a month for 11 months, I sent them statements and letters from creditors, they said do not answer phone calls from creditors. one day a Sheriff showed up my door gave me a summons to appear for court, being sued by XXXX creditor, I then called a friend who was states attorney and he said it sounds like you 've been scammed, also XXXX was involved with this scam, so I was wondering if there is any recourse in recovering monies I sent to them and was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Last XXXX my home loan was sold to a company called Loancare and as soon as it was sold I received a delinquent notice and a late fee saying that I did not pay my XXXX payment when I did in fact pay it to the previous provider, XXXX. I then contacted my previous provider and they said and sent me proof that I paid my XXXX loan statement which I then forwarded to Loancare to hopefully resolve the issue and find the missing payment. I also sent Loancare copies of my bank statements to show that the money did indeed come out of my account and was not returned to me. Since XXXX I have called dozens of times trying to figure out where this missing payment is and what I can do to help and everytime I call I get generic answers like, " we will escalate the problem '', " we are waiting for the previous provider to respond '', or ( my favorite ) " I see the information you sent us but no actions have been taken yet. '' Right now I am on the second or third attempt of Loancare " contacting my previous provider '' but after doing this for months and never receiving a single call back from a supervisor or making any progress I need to find a new method to try to finally get this missing payment taken care of.

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 2016-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
I 'm attempting to get my loan pay-off statement to re-finance but mortgage servicer, LoanCare. I 've waited 20 minutes for a human to answer the phone. Their website is clunky and I can not access my payoff statement even through their website. 

I never wanted to do business with them. XXXX Mortgage transferred my mortgage over to this XXXX company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I am an attorney in Maryland representing XXXX XXXX XXXX and XXXX XXXX relative to their primary residence located at XXXX XXXX. in XXXX XXXX, XXXX. On their behalf, my firm has been endeavoring to obtain a loan modification from their lender, Carrington Mortage, for the XXXX since XX/XX/XXXX. Unfortunately for the XXXX they have been thwarted or denied for said loan mod. not for anything on the merits relative to their financial wherewithal, but rather due to " incomplete packages '' which is frankly plain not truthful. What is occurring is that they keep asking for " new '' paystubs for XXXX XXXX after they take so long to review the overall package that the paystubs ( which do n't actually change ) go stale. It is, simply put, Carrington 's inefficiency that causes the paystubs to go stale, and they in turn determine that the package is then incomplete. The lender 's lawyers, XXXX XXXX XXXX, XXXX XXXX, are not willing to do anything about this clear strategy of denying my clients without actually reviewing their package. All this from a lender who took TARP money knowingly and willingly. THERE IS NOW A SALE SET FOR XX/XX/XXXX which they are not willing to cancel. Hence, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. 
Calling and harassing me is n't going to make their bank accept my payment any faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
In XXXX of 2007 we purchased our house and after further review our house and garage has XXXX layers of shingles on them. Per XXXX NY, there 's only suppose to be XXXX layers of shingles at any time making the home inspection in violation of XXXX code. Our garage and house are in need of new roofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial Services have failed to pay me the incentives they promised me for credit card use. 

In early XXXX, Fidelity switched their credit card service provider from XXXX to Elan Financial Services. Elan Financial Services issued me with a new account and card. 

Shortly after the account switch, on XXXX XXXX, XXXX, I called Elan Financial Services specifically asking whether there was an incentives cap. I made this enquiry as the prior service provider to my Fidelity credit card account ( XXXX ) did have such a cap, and over the years in using that card I have systematically switched to using another credit card when I reached that cap. Thus, I made a specific call to understand whether I would need to continue to switch to another card under the Elan Financial Services incentives program ( I would have made such a switch in the card used for spending should Elan Financial Services have told me on XXXX XXXX, XXXX, that their program also had a cap ). 

However, on XXXX XXXX, XXXX, Elan Financial Services specifically informed me that such a cap definitely did not apply to my account. Please note that I have notes of that call, and I expect that they record phone calls for quality purposes. 

Following several subsequent phone enquiries in late XXXX, I received a letter from Elan Financial Services on XXXX XXXX, XXXX, informing me of a cap and refusing to pay for incentives stemming from approximately {$30000.00} of spending in the fall of XXXX. This spending equates to approximately {$600.00} in incentives owed to me. 

I have since written them again reminding them of these facts and demanding payment.

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 2017-02-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. Bank.

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