vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I went onto www.carringtonms.com to make my mortgage statement. I have grace period to the XXXX to pay my mortgage but due to it being after that date my online payment included the {$50.00} late fee. I checked repeatedly to make sure that I input my routing number correctly and my bank account number and made sure the payment was submitted. I received a call on the XXXX of XXXX from someone at Carrington and I returned their call on the XXXX of XXXX. I spoke with a gentleman who informed me that they attempted to receive the payment and it came back account not found. I told him that I had made sure I input the correct information. I went ahead and made the payment over the phone that same. On the XXXX of XXXX I returned home from a business trip and opened a letter from Carrington dated XXXX/XXXX/XXXX stating that it was rejected for a account not found reason and stating that my payment must be in certified funds only although they received the payment by check on the XXXX, I called their customer service and spoke with XXXX representatives. The first told me that I had to make my payment today so that it would n't be late because they are closed on the weekend and Monday is a holiday. I told her I have until the XXXX to make a payment but I would go ahead and make it today. I went online to make the payment and saw that the payment due was $ XXXX.My payment is currently {$1200.00}. I was on the phone with a representative and told her what it showed. She told me that if I paid over the phone with her that I would save {$35.00} and that they had credited my account. she told me once I paid it to give her the confirmation number. I told her I did n't see where my bank account was refunded. She said that I would n't see it. It would be held in their ( Carrington Mortgage ) account as a credit until my next payment. I told her that I wanted my money back and I never gave Carrington permission to keep my money. She informed me in order to receive my money back I would have to show them a copy of my bank statement. I told her thats none of their business and why they needed to see my bank statement. I spoke with XXXX different representatives. XXXX hung up the phone, the other XXXX all said different things.I told them I just wanted someone to tell me the right thing. They all said Carrington does't give peopl 's money back and in order to do so they need to see a bank statement. I am pretty sure I put the correct information into the payment system the first time. A few years ago they told me the same thing at that time I thought they were credible now I do n't believe they are.When I checked my credit report today Carrington Mortgage had reported that I had missed a payment. That I owe {$1300.00} and that I am 60 days behind on my mortgage to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NH

Complaint narrative:
I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. 

In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. 

Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WV

Complaint narrative:
I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AE

Complaint narrative:
Carrington Mortgage LLC was not the original loan holder for my house. Over the course of 3 years they acquired the mortgage. In XXXX 2015, South Carolina had massive amounts of flooding and many homes were damaged. Carrington Mortgage LLC took it upon themselves to send an inspector out to the home to inspect for damage and then subsequently charge XXXX dollars for the inspection. 
The problem I have is : 1. Not one point in this process did Carrington Mortgage reach out to me via email, mail or phone call to notify me of the inspection. 
2. Carrington did not provide me a report detailing what the inspection covered. Reviewing my XXXX 2015 billing statement, the inspection fee was listed and that 's how I found out 3. Carrington was unable to provide where in my mortgage documents stating that the fee they charged, I had to pay. They mailed me a copy of the documents circled a paragraph. In the paragraph it states nothing about an inspection after a disaster, nothing about an inspection that the mortgage company wants to do or anything. The paragraph clearly states that I must pay for all taxes, assessments, fines etc for the property. 
4. I am not even sure the company performed the inspection, as I was n't there or notified 5. Calling them is useless as they cant do anything over the phone. Everything has to be mailed or faxed. I have called three times to speak to them, each time a request must be sent to the Research Department for them to review and get back to me, approx. 30 days. When requested to be transferred by phone to the research department, they say they are unable to take phone calls. 

During a time of disasters companies find ways to profit from it. I think Carrington is one of those companies. Although {$15.00} is not a lot of money from one person, it could add up from XXXX or XXXX of people in SC that got charged this fee from Carrington. The home inspection, if they performed it, was to benefit the company not the consumer. This was them protecting themselves as such, they should be the ones to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass bank purposely places online deposit limits onto your account so that you can not put enough money into your account to pay your mortgage. Also, mishandles funds which result in overdraft fees. Mishandles checks and says they do not process because of lack of funds, which is not true, requests another check, then cashes both, which results in overdraft fees. Online banking updates are misleading, they update the mortgage payments online but while delaying updates to checking accounts which is also misleading and leads to more overdraft fees. Incompetence at all levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
My mortgage was sold to MyLoanCare. Since that time, they failed to provide me with an accurate account number, did not notify me of my insurance policies which were not renewed, tried to charge me for a month of payments from before they purchased the loan, have paid my taxes late two times and are refusing to provide me with documentation that they did not charge the late fees to my escrow accounts and now are refusing to remove the lender imposed flood insurance from account and have charged me another month for the insurance that I do not need. I have provided the requested XXXX letter to both Myloancare and XXXX and they will not respond to my emails. I just tried to call them to resolve the problem. They are asking for another copy of the letter, which is readily available online at XXXX. In the meantime, I have been charged another month of insurance payments. I have exhausted all of my options and need help. Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXXFrom : XXXX XXXX : Unfair and Premeditate re-modification practices Carrington Mortgage ServicesTo Whom It May Concern, This a complaint of unfair practice with re-modification regarding Carrington Mortgage Services. I received the final Modification proposal from Carrington Mortgage Services on XX/XX/XXXX.Prior to the modification agreement, I was paying trial house payments of XXXX from XXXX, XXXX XXXX, and XX/XX/XXXX. the previous loan agreement had the escrow included with mortgage insurance and property taxes. Unknowingly, when I received the final loan modification from Carrington Mortgage Services. I did not know that the new modification included the interest and principle ONLY making the new monthly loan XXXX .Also, being responsible for the escrow of housing insurance and taxes. I found this out when after receiving other notices form Carrington mortgage which I will enclosed with this complaint. Moreover, the real purpose for this unfair practice and premeditated maneuver is that prior to Carrington Mortgage Service assuming form the previous intercessor, XXXX XXXX XXXX. I was battling a complaint for predatory lending with them and had file with a Law Firm to obtain re-modification like so many other disadvantaged home owners. I did not pay my mortgage after having to pay law fees and the previous misses payments with multiple interest is {$36.00} accrued by Carrington Mortgage company. I will enclose evidences and motive for this unfair re-modification by Carrington Mortgage. In addition, I had already filed a complaint pervious to this on former file number:XXXX 
Thank You for Your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: WI

Complaint narrative:
Keep getting calls. I called the number today because I know I do n't owe any money to anyone. I have had someone previously use my phone number and have had debt collection agencies calling my house looking for a person I do not know so I figured this XXXX was starting again. I have police reports filed with the XXXX department. I called the number. They will not give me any info. I have never received any bills in the mail so I know I owe no.money. I told them to stop calling me. They were very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
Property sits on unstable ground and has become un-livable due to shifting of foundation. Owner abandoned property as of XX/XX/2013. Owner filed for bankruptcy and Quit claimed the property to US Bank. Currently the property has accumulated unpaid HOA assessments of {$4900.00}. Property is now a blight in the HOA community with no action by mortgage holder.

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 2016-11-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
We have had a USBank XXXX credit card for many years. On or about XXXX XXXX US Bank called us about XXXX questionable charges that were on our card and we informed the caller that all three were not made or authorized by us. Because of this we started checking our account online and found that on XXXX XXXX XXXX of the fraudulent charges, a XXXX XXXX charge for {$980.00}, reappeared on our statement. Since that time we have called USBank XXXX or XXXX times and talked to a fraud representative and each time we were told the contested amount would be removed. Most recently, XXXX XXXX we called as the charge was still on out statement and was told that a 'case processor ' would call back within XXXX hours. We called again on XXXX XXXX because the account due date is XXXX XXXX and was told the same thing, that a fraud claim was open and someone would call within a couple of days. As of the due date the amount is still on our account. We are XXXX XXXX XXXX and have a XXXX credit rating that we want to preserve so any action from the cfpb to assist in resolving this claim is greatly appreciated.

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 monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, the State of California Franchise Tax Board ( FTB ) Vehicle Registration Collections placed a levy on my checking and savings accounts at US Bank. The FTB took {$260.00} from my checking account and US Bank took an additional {$100.00} from my checking account as a " levy fee. '' The levy should never have been taken because I did not have any delinquent vehicle registrations. The FTB was ignorant to the fact that the vehicle in question was purchased from me by the State of California in XXXX under their Vehicle Retirement Program. I spoke with the FTB yesterday and they agreed to release the levy and put the {$260.00} back into my checking account. However, even though US Bank is aware of the fact that the levy was invalid, US Bank is still refusing to refund me the {$100.00} they took as a levy fee. I know that the law provides remedies for situations like mine where the state and my financial institution have raided my private bank account under the pretext of a delinquent vehicle registration collection program. I would like to pursue every legal remedy to recover for my damages.

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 2016-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires XXXX appraisals. When we received our XXXX appraisal it was XXXX dollars lower than the XXXX appraisal. They told us they had to take the lower appraisal and we were going to be charged mortgage insurance and we back out now we would be charged thousands of dollars. 
Please email me back. Thank you for your time I really appreciate 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 monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I used Elan Financial 's XXXX XXXX to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard inquiry was going to occur ). After their decision, they sent me a denial letter and XXXX of the reasons for their decision was that they did not have my last two year tax returns to verify income - but there was nowhere to submit them online or an effort by Elan to request the tax returns. Clearly, they have no controls in place over their website information intake process. I am confused why they would of done a credit inquiry if they did not have the information necessary to make a decision ( the 2 years of tax returns ). 

I have never missed a payment on any of my credit cards ever and had XXXX +year history with XXXX XXXX the company that ELAN financial purchased my account from. I also have XXXX XXXX and XXXX branded credit cards and they clearly state when a hard or soft inquiry will be conducted explicitly on their website. 

I called the number on the letter, and said I was making an oral complaint and wanted the inquiry removed. The woman I spoke to said they could n't take oral complaints and could not help me. I pressed her and she put me to an escalated representative ( XXXX XXXX XXXX ). XXXX could do nothing for me either. I asked him where it clearly said in the letter sent by Elan that it requested the tax returns. His response that one could assume from the letter because they put their mailing information on the letter. 

Correspondence from financial institutions to their customers should be clear and concise. There is no room for assumptions. I told XXXX I would be escalating to the CFPB and he did not care. I did ask him if he knew who the CFPB was - could n't tell if it was training issue or what. He suggested I write a complaint the office of the president in ND. 

I take my credit very seriously. Elan Financial is not on par with its competitors when it comes to technology which resulted in an unauthorized hard credit inquiry. I wonder how many other people have had this happen. I want the hard inquiry removed from my account for all credit bureau agencies. 

I would also suggest clearer disclosures on their website and better training off their associates with respect to credit reporting.

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 2015-05-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX XXXX we entered an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arena Resorts. This was a timeshare for XXXX weeks at a XXXX XXXX to be built in XX/XX/XXXX in XXXX XXXX XXXX. They gave us certificates for two weeks at any XXXX XXXX in XXXX because the completion date was not until XX/XX/XXXX. When we returned home on XX/XX/XXXX, I tried to verify the certificates and found out they were not valid. I tried to call the salesman, XXXX XXXX. He gave us his phone # XXXX, which is a nonworking number. At this time I looked on the internet and found XXXX XXXX XXXX Scam. We found may reports of other people being scammed. 
We were told the Federal Consumer Protection Agency in XXXX allows us Five days to cancel this agreement. 
I canceled the agreement with XXXX on XX/XX/XXXX. I called the Visa Credit card bank to report I would like to cancel the transaction. I was told the charge had already been reversed because they had discovered it was fraud/scam. That same day my wife went on line with the Visa account and found the charge was still showing. She called Visa and she was told we would have to file a complaint and dispute the charge with Visa, which she did at the same time. 
On XXXX XXXX we were informed by a letter from Visa that they were unable to assist us with this dispute. 
This agreement was for {$13000.00}. We are not sure if we have a legal dispute with Visa, but we have been told that we do. 
Thank you for your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
U. S. BANK has increased my monthly mortgage payment, initially without proper explanation. When contacted, they stated the increase was to offset a bill received from our HOA. Our HoA fee is paid directly and is not routed through our mortgage. U.S. Bank agreed to investigate the issue ( via phonecall ) but they have provided no further correspondence. Also, my current statement does not reflect a correction which indicates they have not investigated/resolved the issue. I have confirmed with HOA that our account is current and in fact is in credit for next year. U. S. BANK received my mortgage via a refinance transfer but their current, fallacious increase is causing financial hardship which was supposed to be offset by the refinance. Additionally, interest payment statements were incorrect which resulted in excess federal taxes. U.S. BANK is proving to be a poor steward of our FHA mortgage.

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