vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Insurance was force placed on account. Proof of coverage was provided to prove auto was covered for the period of time insurance was placed. Insurance was faxed XXXX/XXXX/2017 and verified on XXXX/XXXX/2017 by insurance tracking department that insurance that had been force was canceled and we were due a full refund of the premium in the amount of {$910.00} on XXXX XXXX, 2017 called lender to see if refund had been received. The refund had not been received. Called back on XXXX/XXXX/2017 and spoke with lender and insurance tracking department. Both agreed refund had not been credited to account. Bank issued a maintenance request on XXXX/XXXX/2017 to credit the account for the refund. As of today XX/XX/2017 the refund has still not been issued. Customer service at the bank tells me to call insurance tracking which is a third party and insurance tracking tells me they have done their part and to call customer service. Just today I have held for over 2 hours being told it 's everybody else 's fault and no one will give me an answer. I have requested to speak with supervisor and get put on hold and no one will answer. I have requested the name and telephone number for a supervisor and get put on hold and no one ever gives me any information. I am getting the run around and I am tired of it. This has been going on for over a month and I want a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Mortgagee passed away and trustee took over the the trust in which the property was titled. Property was then sold and awaiting closing. XXXX was the original mortgager and was notified in writing of the situation. Before property was closed, XXXX sold the loan to Seterus. When Seterus was called for a payoff so that property could close, they said it was being processed and would not give a payoff for at least 10 days. This all happened the day prior to closing. Now Seterus refuses to provide a pay-off so property can close, which is causing undue expense and hardship to the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 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: FL

Complaint narrative:
I followed the guidelines this apartment complex gave me. I had to move because of my job which caused me to break my lease. I wrote them a letter explaining why I was moving a month in advance like they advised me too. Everything was fine until two years later they put me in collections. I followed there rules for breaking the lease without repercussions and I still got sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Business Factors
State: CA

Complaint narrative:
I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. 

XXXX # XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My home is being sold with a closing date of XXXX/XXXX/2017. I was sent a letter dated XXXX/XXXX/2017 saying my home loan was being transferred from XXXX Mortgage to Loancare a service link company effective XXXX/XXXX/2017. 

The closing title company called the new mortgage company about 7 days before closing to inform them that they would need a payoff statement from them on XXXX/XXXX/2017. This has not happened. I have contacted Loancare multiple times and been told that it may take XXXX10 business days before they are able to provide this, I have confirmed with them that interest is compounded daily and therefore this XXXX10 day delay will be costing me money because they are not able to give me a payoff statement. 

I have spoken with several individuals, several supervisors, and XXXX manager who do n't seem to care that my home closing is on XXXX/XXXX/2017 and simply say that it is bad timing, every time someone says they will call me back I do not get a call. There MUST be a way to create a loan payoff statement so that I am not charged beyond the date that I am willing to payoff my loan, if there is not IT IS THEFT!

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 2016-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
in less that 6 months after closing my home loan the servicer, due to a typographic error, thinks my property taxes have went up XXXX fold. I called and asked for a recalculation, the agent on the phone could see the payment they had sent for the half was only {$150.00} dollars ... not the XXXX thart they were projecting ... so they decided to raise my payment by {$270.00}. I have had this loan less than 7 months. there is NO way that the underwriter, QA department ( as my loan was selected for review ) and the closing title company were all wrong on my taxed by 10 times!!! they now refuse to lower my payment to what it should be, as they claim that I am not getting any type of reduction ... you can clearly go on the auditors page and see that my second parcel is charged XXXX not XXXX now with less that 14 days before my payment is due.. they want me to wait 3 business days for a manager to call me back ... and refuse to recalculate my payment based on fact

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 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opted into a new account feature called Categories whereby the bank was going to group my spending and savings history. However, they did not deliver on this promise. Instead, they caused unavailability to my account history information, including access to transactions over 30 days and all check images. When I called to get support, I was told that they were unaware that this " feature '' had been rolled out to consumers/customers and they had limited knowledge of the technology. Someone should be safeguarding the consumer so that financial institutions can not treat us as hamsters/guinea pigs to test out software or feature sets that have not had internal validation testing. I rely on this information for multiple reasons. Today, I was attempted to file my federal income taxes, and some of the payments I have made throughout the year help me validate my own records. Not having availability has significantly thwarted my efforts to file my federal income tax return timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
I HAVE NO INFO I OWE ; WHAT IS THE REASON ; NOT DETAIL ENOUGH INFORMATION.

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase Bank by phone on Friday XX/XX/2016 after noticing some discrepancies with my banking history online as well as through the mobile app. After spending over 30 minutes on the phone they advised me that they have an ongoing investigation due to account balances for consumers not posting accurately. XXXX " A Supervisor '' suggested that I go into my XXXX in XXXX to discuss it further since they were not able to figure out what was happening. She also stated that once the investigation was done my account would automatically reflect my true balance but I would not be informed of resolution and that I would have to just watch my account. That same day I went into my branch bank and spoke with the Branch Manager, XXXX XXXX for well over an hour. She had a Senior Account Specialist on the phone and he was unable to figure it out either so I was advised they were going to start research on my account and I would hear back within XXXX business hours. I have still not heard back. Yesterday, XX/XX/2016 my account showed that I had a balance of {$340.00}. I assumed this was my balance after their " research ''. I of course made some purchases thinking that my account was resolved and had a positive balance. Today, I received notification that my account is now overdrawn again {$190.00} in checking and {$4.00} in Savings. I was hit with XXXX {$34.00} fees in checking and another {$34.00} fee in savings. At this point I am considering closing my account as I can not keep track of what they are doing. Nothing makes sense and I can not get any answers from my banking institution. This has caused a great deal of emotional and financial distress. I advised them on my phone call on XX/XX/2016 that if this was not resolved I would be filing a complaint with the CFPB as well as the Attorney General. Had I not been watching my account closely there would be several fees and charges I would have never known about. The Branch Manager also made that statement when I met with her on XX/XX/2016 inside the Branch location. She reversed some fees on that day due to their errors however this continues to be an issue. 
My branch location is at : XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX Branch Manager : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
complaint about Rash Curtis & AssociatesI had no clue what this account was back in XX/XX/XXXX .... I was contact by a company XXXX XXXX XXXX and was told i had XXXX accounts with home plus and was over {$3000.00} not knowing what this was but was trying to clean my credit i paid there settlement o XXXX releasing me from these account and they said they would report to all XXXX credit bureaus. I have been fighting to get theses off my credit I made a few phone calls and got know where. rash curtis just gives me the runaround and cant provide any documentation. now there re-reporting and changing the dates from XX/XX/XXXX to XX/XX/XXXX?? i have a documents to prove this was paid and that they contentiously are change how they report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Loan # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, NY XXXX We represent the XXXX, the borrowers/owners of the above referenced property who have been trying to complete a short sale with XXXX for over a year! We are now on our XXXX buyer as we have lost our prior buyers due to the extensive delays by XXXX in processing this request. On XXXX XXXX, 2016 the prior servicer ( XXXX XXXX ) confirmed that the appraisal was done and they would be issuing the approval latter that week. On XXXX/XXXX/16 the loan was transferred to LoanCare, LLC before the approval letter was issued. 
We have called daily for the past 2 weeks trying to get status and are repeatedly told that no one has been assigned to our client 's file. This is the worst case of unresponsiveness and torment by a lender we have ever experienced.

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 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare is reporting I was 30 days late on my mortgage in XXXX XXXX and was sent to the bureaus on or about XXXX. I pay every month, and pay extra nearly every month as safe measure so that my credit is preserved. A senior representative named XXXX ( XXXX ) had told me over the phone on XXXX XXXX that no lates would be reported. On XXXX XXXX, I had received word that XXXX30 day lates were being reported on this account. On XXXX, I spoke with XXXX XXXX and she was unwilling to begin the process of removing all derogatories from being reported, and felt the reporting was accurate and valid. She claims that the note requires I pay each month in full. Since XXXX was short of the full payment, they held this money 'in suspense ' and reported I did n't pay. So they held onto my money and did n't apply any of it to my mortgage upon receipt. Here are the terms stated in paragraph XXXX of my note ( Payments ) : 1 ) " I will pay principal and interest by making a payment every month '' & lt ; I DID THIS & gt ;. 2 ) " I will make my monthly payments on the first day of each month beginning on XX/XX/XXXX '' & lt ; payment is always received between the XXXX and the XXXX, and never 30 days late & gt ;. 3 ) " I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on XXXX XXXX, XXXX, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the " Maturity Date. '' '' & lt ; in compliance to-date & gt ;. 4 ) " Each of my initial monthly payments will be in the amount of U.S. {$960.00} '' & lt ; I always pay over that amount & gt ;. 

So, the note terms have been met, but they are unwilling to change how my monthly overages are applied, as well as apply money that 's been sitting in 'suspense '. This is a violation of my Fair Lending rights and the rights of others whom they have extended credit. 

There was one incident which may have provoked this. I changed banking institutions that month for my personal checking account. Through online bill pay, I requested XXXX of XXXX payments to go out in the amount of {$1000.00}. XXXX XXXX XXXX XXXX sent the check out from their warehouse to LoanCare. LoanCare made ONE ATTEMPT ( verified by the credit union ) to deposit this check and it was denied by the credit union. The credit union admitted they made a mistake, but did n't know why a XXXX or XXXX attempt was not made. Attached, is a letter from them stating their error. Even so, I 'm still in compliance to this note. If extra monies made each month were made in whole or part to escrow, I should also still have more than the minimum required in there, too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank BBVA Compass charged my checking account discriminatory XXXX NSF charges of XXXX each totaling {$380.00} and they did this while not processing charges I made to my account in the order they would normally process to a bank. Therefore they changed the way transactions process so they could knowingly profit off of charges by discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.

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