vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
Around XXXX, I moved into a new apartment. After changing my address, my First Tennessee Bank XXXX Card ( Prepaid debit ) was locked for security reasons. I called in shortly after to unlock my account, and it had to be escalated to a security team. I never heard back from them about this, but my account remained locked. 

In late XXXX, I called back in to try and get this issue settled XXXX and for all. They, once again, escalated my account to the same security team. I was told to call back after 5 business days to see what updates had been made on my account. A week or so later, I called back in and the customer service rep told me to wait a couple more days to see if an update goes through. 

A few days later, I called again, and the rep then said she would escalate my account again because there had been no such update. Five business days later, I call in and the rep says that she does n't see the second escalation, but then does re-escalate my issue. 

I 'm honestly unsure which rep told me this, but I was informed that the issue was that they could not verify my previous address ( but this was n't an issue until I changed my address to my new apartment ). This rep asked for my old address and said that she sent it in with the escalation. 

Five more business days later, I call in again, and the rep is flabbergasted and says that my account has been escalated twice and there is still no update. She said she would notify her superior regarding the issue and to call back today ( XXXX XXXX, 3 business days later ) to see if there is any update. Of course, the rep told me that the escalations can take up to 3-5 days and to call back after a little more time. 

This is unacceptable. I have been unable to access my funds ( & gt ; {$500.00} ) for months now because my account is locked and nothing the reps seem to do makes any progress towards unlocking it. To make matters worse, there 's a XXXX $ monthly fee that might be being charged to me even though I ca n't access my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BAS Receivable Management Inc.
State: CO

Complaint narrative:
I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Farrell Holdings, LLC
State: CA

Complaint narrative:
Called at XXXX. Also calls 6-8 times per day from different numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
XXXX XXXX, their representative Shermeta Law Group refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, XXXX XXXX made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
XXXX XXXX refused to acknowledge any issues and upon request, sent inaccurate information in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Lendmark Financial Services
State: MD

Complaint narrative:
On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. 
Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 
A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. 
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. 
Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. 

Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: Stellar Recovery, Inc.
State: PA

Complaint narrative:
They sending a bill i dont owe at all, they just post it on my 3 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 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services XXXX XXXX XXXX XXXX Ca XXXX this past month. I payed them via their web site for this month. Got a bill today for two payments. My bank shows the payment going through. I have tried to contact these people for the last two weeks but just get put on hold for literally hours, without being able to speak to any one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applying for a mortgage and credit report came back stating that Compass Bank reported I have been delinquent on loan since XX/XX/XXXX. This is not the case. Compass Bank Home Equity Line of Credit account number XXXX was closed XX/XX/XXXX. This is reporting on credit as a new delinquency when delinquency occurred XX/XX/XXXX. I filed a complaint with XXXX in XX/XX/XXXX as I uncovered Compass Bank was reporting I owed {$21000.00} a month - hurting my DTI. They corrected this issue as it now reports I owe $ XXXX but created a new problem as the date of my last delinquency is now reflected as XX/XX/XXXX - the date they corrected the $ XXXX reporting. The date of my last delinquency should be reported as the XX/XX/XXXX date, not the date they corrected my original concern. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. 

About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. 

About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. 

On XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
To the office of the Cmptroller of Currency ( OCC ) I was recommended by the U.S Department of Justice Consumer Protection Branch Civil Division of XXXX. To file a complaint with ou concerning XXXX XXXX XXXX and Carringtion Mortgage. I have proof and suspicion of fraud with these companies and I feel as if I was discriminated against by them. My home have been in foreclosure for five years since XXXX to XXXX XXXX, XXXX. We were recommended by XXXX XXXX XXXX to apply for a loanmodification to help us save our home. We applied for modifications overthree years. All of a sudden we receive a letter and a phone call from Carrington Mortage saying they want us to start mailing our mortage payments to them. We responded to Carringtonsaying We never came to an agreement on a mortage payment or modification. We were lead to believe that they wre the new owners of the property but they had no information on the property so we were lead to believe they were trying to help us to save our home by asking us our information, and we began to give them our personal information, only to find out in the end they were using our information to build their case to get the home from us. We asked them for a copy of the original deeds, and they sent us drawn up papers with our signatures that we never signed. They copied our signitures from other papers. The house was up for sale because of foreclosure Carrington then purchased the home themselves. Why would you buy a home that you already own?. We continued to live in the home, because the home was stilll in our name. Carrington then told the tax office to send our tax papers to them. Still unable to prove the home is theirs. I have proof of fraudulent use of flase documentations used against me to get my home, and contradicting every thing they 've said in the end the way thta they got my home wasw throught lying to the court saying that I did not pay taxes for XXXX. I filed for tax exemption and I was tax exempt in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
XX/XX/2016, I recieved a letter from LoanCare ( our new mortgage servicer ), which stated an escrow shortage. Our payments were going up by {$300.00}. We were given the option to pay the shortage and have a lower payment amount of approximately {$1000.00}. We agreed and paid {$3300.00} XX/XX/XXXX to cover the shortage amount. XX/XX/XXXX, we received another letter from LoanCare stating that there is another escrow shortage in the amount of {$480.00}, and our payment for the next 12 months will be {$1100.00}. Our monthly escrow payment is {$360.00}. As per RESPA, the maximum amount allowed as a cushion in escrow would be {$720.00}. The statement shows an escrow balance of {$860.00}, but they are requiring even more. They require that we have {$1300.00} in escrow. I called LoanCare today to inquire as to why they are requesting so much, and to tell them that Arizona State law has a maximum of 2x the escrow payment to be required for a cushion. They said to put it in writing and to email them. I do not feel that I should have to jump through hoops to get them to comply with RESPA guidelines, and have a higher payment in the meantime. In the past, they have hung up on us, failed to explain why we had a shortage to begin with, yelled at us, and flat out refused to do anything. They keep sending us pre-foreclosure notices, and letters stating they are going to do a home inspection at our cost. We 've paid XX/XX/XXXX payment, and will be making XX/XX/XXXX very soon. All of these shortage costs are causing a lot of financial stress. I do not feel this loan servicer is ethical, fair, or abiding by the laws. I am a victim here, and I feel that they are doing everything they can to force us into foreclosure.

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 2016-10-08 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: CO

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX at XXXX account number # XXXX has placed XXXX collection charges claiming that I, XXXX XXXX owe monies. XXXX is placed for {$1000.00} and the other is placed for {$6000.00}. These accounts are INVALID/INACCURATE ACCOUNTS AS I HAVE NEVER HAD AN ACCOUNT WITH XXXX. 

This collection agency also reports itself as NCC Business Services. 

I have disputed three times with XXXX to have this information deleted as it appeared on my credit report on XX/XX/XXXX and it was previously deleted when it first appeared on or about XX/XX/XXXX. The CRA refuses to delete it claiming the debt is verified by XXXX XXXX XXXX with my name and social security number only but yet has no proof of the debt. 

I contacted XXXX XXXX XXXX via phone on XXXX/XXXX/XXXX and they told me that the debt is mine yet made no attempt to try and collect a payment. I requested proof of this debt over the phone be mailed to me ( meaning signed legal documents or contracts and lease, past payments to this creditor etc. ) and they have failed to provide any proof. I emailed them a request for proof of debt and they do not acknowledge this debt nor have any documents to prove other than stating my name, and social security number match. 

Since they can not provide legal proof this debt must be and should be deleted from my credit report. 

I have attempted three times to get this removed and they refuse to respond and have also claimed they have mailed out information to me in XX/XX/XXXX which they never have, but yet are n't trying to collect any payment from me when i demand information. They ca n't produce the information. They are lying and damaging my credit by reporting a false collection. 

I contacted XXXX as well who XXXX XXXX XXXX claims the debt is with and they also have no proof of legal binding lease or contract or any of my personal IDs, past payments etc. 

This is illegal and XXXX XXXX XXXX is reporting false information. XXXX accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
My BBVA Compass XXXX XXXX has been frozen/blocked since XXXX XXXX. I have contacted their fraud dept. and was told it would take 24 to 48 hrs ( business days ) for someone to contact me so the account can be unblocked ; it is now XXXX XXXX and this has yet to occur. I am starting to believe this is a classic bait and switch because they are doing a promotion specifically for the XXXX Finals with the use of this card. I have contacted the security dept. XXXX times with all information clearly showing I am who I am and have been the only person using this card by confirming all of the purchases on this card to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings Credit Service acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account number just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I was approved for an account with Simple. In order to fund my new account I would have to link an external account. Once I verified my external account I proceeded to deposit {$2500.00} into my Simple account. A few days later I was locked out of my account because they needed more verification. I sent in all requested material including XXXX bank statements. Days later I received another message saying they would n't accept my bank statements. After going around in circles with my other bank I requested to have my Simple account closed due to the fact that they would not accept my external bank statement. Simple informed me that for some reason they could not return my money or close the account. I put my trust into a company who had excellent reviews only to get denied access to my hard earned money. I 'm only requesting that my funds be returned to me with no further issues.

Company response to consumer: Closed with explanation