vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In XXXX 2015 the fiance company TD auto repossessed my car by mistake it was awful not to say embrassed the tow truck came started taking my car when I told him it was a mistake that I was protected by Bankruptcy law and refused to believe me and called the police my neighbors were woken up. The next morning called the fiance company the person to whom I spoke with was rude and would not listen to me cold not go to work for 2 days lost pay and not to say I was embrassed after many phone calls finally someone told me it was a mistake and sent me a letter of aplogy and the tow driver brought my car back in the night will repo stickers still on. I think they should at least do something for the money I lost and the anxiety I went thur. Thank you for listening

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
A disputed medical bill from u of u was given to express recovery services. We explained that it was, and still is disputed to express recovery. We explained there are inaccurate charges and credits and will not pay more until it gets straightened out. They did nothing to straighten it out, threatened us with extra fees, and just filed a legal suit against us. First of all they put this on our credit report and did not mark it as a disputed issue as they are required. Second, they have ignored the judge XXXX XXXX XXXX 's instructions to not charge interest or fees and are still pursuing the inflated amount from us. We have sent them a check but they wo n't cash it. They have do not conduct business to obtain accurate payments on bills. They will not research issues to be accurate. They will not follow the judges direction. They report to credit agencies unlawfully by not explaining the issue is disputed. I also noticed they deceitfully collect collection information at the courthouse without explaining what any why it is going on. Their employees are allowing themselves to be misrepresented as officers of the court in order to get descriptions of assets so they can collect against them. Those people called into court assume the people in the courthouse telling them to fill out paperwork are court officers. That is a deceptive business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
I have attempted numerous times to contact Debt Recovery Solutions. There is no address or phone number..Please help .. trying to contact this Collector or Radiology Company with an current correct address or phone Number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I am refinancing my zero balance Home Equity Line of Credit loan to another lender and am being told that I will be assessed an early termination fee of {$450.00}. The Line of credit agreement and disclosure statement reads as follows under Early Termination Fee : " The lesser of {$450.00} or 2 % of the amount prepaid if I close my account before the second anniversary of the date that my account is opened. '' The math is pretty simply that 2 % of a XXXX balance is a XXXX dollar fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Opened a savings account with TD bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by TD that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. 
Regulation E 1005.9 directly refutes that policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
In XXXX XXXX the United States of America Consumer Financial Protection Bureau filed a consent order against LoanCare, LLC. My mortgage was sold to XXXX and in XXXX XXXX Loan Care, LLC continue to withdraw the payments and refuse to send 2 months to the new lender, XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). Several attempts have been made and all received is the run around or we have not received anything. I have faxed, called, email information concerning this issue. It has become harassing and threaten phone calls from XXXX XXXX. I am requesting a through investigation into this matter. 
XXXX XXXX, XXXX @ XXXX Thanks

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 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan was transferred to Loancare in XXXX 2016. Upon notice we mailed a check to the address provided in the " welcome '' packet. After about two weeks and no sign of the check being deposited into my account, I contacted Loancare by phone to inquire. I was told it had not been received as of yet but not to worry because I have 60 days before there is a late fee assessed because it was a transfer loan. XXXX comes around and still no check deposited. I call loancare and they say they still havent received it. At this point, I go ahead and make a payment via the website ; however I did n't cancel the check yet because my bank charges a fee so I just hope they receive the check and apply it towards the next month 's payment. As of today, the payment still has n't been applied. In XXXX, I sent an email to Loancare via their contact us link on the website explaining that we will make XXXX 's payment by XXXX XXXX because we were having some hardship due to using funds for hurricane matthew. I NEVER received a response from them ; I went on the website to try and make a payment and was blocked from accessing the account page to make a payment ; however a week later, they send a collection agent to my home who leaves a big deliquent door tag on my front door with their phone number to call. Immediately following this visit, I contact the number and I 'm told by the collections representative that I am definitely blocked from my online account access until my account is current. I expressed my concern to him about their collection tactics in sending someone out to my home and he basically told me well you wont have to worry about that if your loan is current as if it were a threat. He also stated that the debt collector takes pictures of my home and submits it to Loancare. This was rather disturbing to know that someone could be watching my home/taking pictures. I then ask how can I make a payment if I ca n't do it online. I 'm then advised that I can only make a payment through them and there is an additional fee to make a payment with a representative over the phone. This fee is also in addition to late charges. I advised the representative I would call in later to make the payment. I tried calling the XXXX number that I usually call for automated account information since i 'm unable to do it online and I 'm blocked on there as well from accessing my account information after putting in my loan number and social security number as prompted. I do not think it is fair to block a customer from accessing account information electronically or having the ability to make a payment online when there is usually no cost to do so. They are forcing me to only have one payment option that requires an additional fee.

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 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
URGENT URGENT SALE DATE WRONGFUL AUCTION OF HOME XXXX/XXXX/16 - Just found out today! 

We received an FHA-HAMP modification as of XXXX 2016. Today, XXXX/XXXX/16 someone came to our door and said that there is an auction for tomorrow. I checked the XXXX and there I found my house to be auctioned on XXXX at XXXX!! This is plain torture! For more than 6 years I have been waiting for a modification, while accruing over $ XXXX due to the fact that I had to wait for the review for over 6 years! I began to request assistance even before I was late. I believe that it has been both XXXX and Carrington Mortgage 's delay and they should do a principal reduction as a result. 

And now, they want to foreclose and sell my home at auction while I am in a FHA-HAMP Trial Modification! This is preposterous! 
I need your assistance so that I do not lose my family home. The stress has been insurmountable. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage Services ( carringtonms.com ) is defrauding consumers by not allowing any additional principal or escrow payments on my mortgage account. I contacted them via phone twice ( once in XXXX XXXX and once in XXXX XXXX ) and was given differing stories about why I could not pay additional principal-I was told once that there was an issue with the website and once that because my mortgage was newly purchased from XXXX that processing was still taking place and that I would be able to make additiol payments the following month ( XXXX XXXX XXXX. This did not happen. I sent and email on XXXX XXXX, XXXX and lo and behold I was able to pay additional principal in XXXX XXXX. In XXXX, it went back to no additional payments and again in XXXX, and now for my XXXX payment again. I know that additional principal payments decreases the amount of profit for the company for the mortgage and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services ( XXXX ) by XXXX. I had never heard of XXXX before. I had only received XXXX piece of mail from XXXX, and my payment was coming due, so I called XXXX to determine how to pay my bill and if it would be automatically drafted as it was at XXXX. They said the auto payments would NOT continue and I could n't set it up online and that I would have to fill out a form to authorize XXXX to pull the money on a recurring schedule. I made XXXX XXXX time online payments for XX/XX/XXXX and XX/XX/XXXX. Right after I made the XX/XX/XXXX payment on XX/XX/XXXX, I got a notice in the mail that they were going to auto-draft my payment on XX/XX/XXXX. I called them and asked them to cancel this, since I already made a payment. Also, I never sent in the form to authorize payments, but they said XXXX had sent the info to them ( is this LEGAL?!? ). The lady said she would cancel it as all they needed was XXXX business days to cancel it. Well, on XX/XX/XXXX, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to XXXX business days. I asked to speak to a supervisor, and I was transferred to a " senior specialist ''. I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this " senior specialist '' could not give me hardly any new information than the previous rep. 

I FINALLY spoke with a supervisor named XXXX ( ID XXXX ). She informed me that I am XXXX of XXXX clients who made double payments ( when in reality, I made XXXX payment, and they essentially stole money from my bank account without my permission ). She also mentioned that they " do this all the time '' ( meaning they buy mortgages ). It 's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part. 

She said that she has to tell me it could take up to XXXX business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than XXXX business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline. 

The customer service was terrible. They gave me wrong information on XXXX occasions - a. They told me my payment would not be auto-drafted b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. 

It 's a shame they are stealing money from people right before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX/XXXX/2016 my account had an ending balance ( posted ) of {$8.00}, and BBVA charged me an overdraft fee of {$38.00}, even though my posted balance was n't negative. The bank is charging me an overdraft fee due to a hold on my account, not the posted balance as they are supposed to. My account posted balance was never overdrawn and is only now due to their incorrect fees they refuse to remove. 

Thank you for contacting BBVA Compass. We have received your inquiry regarding a {$38.00} NSF fees on your account. We would be more than happy and provide you information about the NSF fees that have been applied to your account. Upon reviewing your account, the NSF fees were applied because of a hold on your account of {$8.00} and {$6.00} to XXXX XXXX and XXXX 'S. When the transactions listed below posted to your account. The account only had a balance of {$9.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We have a mortgage with Loan Care, a XXXX Company, XXXX. XXXX XXXX, XXXX XXXX, Virginia, XXXX, XXXX. They purchased our loan from another company approximately 1 year ago. Since that time we have had nothing but XXXX problem after another with this company. It started with trying to set up the accelerator program and missing payments. Since before XXXX we have had an issue with login on to their website. I called on XXXX XXXX, 2016, explained the problem and was told it was an issue with their website. I was told they would have the problem fixed and a return telephone call by the end of the business day. There was no return call and the login issue was not fixed. The issue has continued until today ( XXXX/XXXX/2016 ). I called Loan Care on XXXX/XXXX/2016 and explained the issue again. I was told to rest our password through their link. I followed their instructions and their own system failed to provide a temporary password for login. I was again promised the issue would be repaired with a return telephone call within 30 minutes providing me with a temporary password for login. After approximately 3 hours with no call, I called the company again and explained the issue again. During this telephone call, I was once again promised a return call from a supervisor, and a resolution to the issue. So far, the issue has not been resolved. This appears to be a reoccurring issue with this company, because I was told that they had to change their procedure in dealing with a complaint about their website. 

This is a major issue because we are wanting to pay our loan off early and because of the login issue we are unable to make additional payments. I have began to wonder if this is an issue to prevent individuals from making additional payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 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: Williams, Alexander & Associates, Inc
State: NJ

Complaint narrative:
I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or 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