vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 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:
The bank 's mistake led to overdraft charges on my account. The bank 's discriminatory practices will not allow me to make ATM deposits on weekends or holidays. Charges that where apparently on hold where not included in my available balance. After making several charges, the charges on old then appeared forcing my account into a negative balance. The bank then added several XXXX dollars in overdraft fees. The bank refuses to deduct the overdraft charges and places the blame on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I received my annual escrow statement from Carrington Mortgage Services who took it over from XXXX in XXXX XXXX. It shows two shortages, one for increase in taxes and the other to meet the minimum required balance. There is an escrow payment missing in their analysis that creates the short fall, another error that I can not identify and they have also created a shortage by projecting a winter tax payout due on XXXX XXXX being made in XXXX of the previous year. I called and was disconnected three times. I finally spoke to someone who did not understand the schedule and could not explain the shortage to me. She ended up telling me I needed to file a complaint with their complaint department. I have sent three emails with no response and just tried to fax them and their fax machine is not answering. My discussion with their representative was horrible. She originally told me the property taxes are paid 2 months in advance because it takes XXXX township that long to process payments. I spoke with XXXX XXXX and they post in 24 hours. In addition, the summer taxes due in XXXX are paid in XXXX or XXXX. This has been a horrible experience and I do not know what to do. My mortgage payment have increased by {$620.00} per year of which only {$250.00} is related to actual cost increases. The remainder is due to them missing an escrow payment in XXXX XXXX. They are also projecting the payment of property taxes two months early before the escrow has replenished ( summer taxes paid in XXXX, winter in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services ( CMS XXXX by XXXX Mortgage XX/XX/XXXX. Erroneously, On XXXX XXXX, XXXX, XXXX Mortgage issue a premium payment in the amount of {$720.00} to XXXX ( now XXXX XXXX for the policy period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX, XXXX Mortgage inadvertently issued a premium payment in the amount of {$730.00} to XXXX for the aforementioned policy period. 
As a result of the above information a refund in the amount of {$730.00} was issued to me in error. Once, I discovered the money was sent to me in error, I started out with a payment of {$800.00} of which {$530.00} was designated towards escrow. The remaining balance of around {$260.00} was designated for the regular monthly payment. However, this amount never allocated properly. Long story short it took Carrington ( CMS ) an unacceptable amount of time for them to recognize I had paid the {$730.00} back in full and other erroneous issues from Carrington ( CSM ) started occuring. For example, I started receiving notices from them stating I did not pay my mortgage payments. I had to send them proof from my bank, which sends Carrington ( CMS ) the money electronically each month. In the mean time I notice my bill had increased. Additionally, during these processes Carrington ( CMS ) stop sending me monthly mortgage statements. They said they sent them to the attorney. Even after receiving notice from the attorney to send all correspondence to me, I have still yet to receive my monthly mortgage statements from Carrington ( CMS ) at my home address, which is XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
This was a " debt '' I got after we moved out of a shared apartment during college. We had perfect renters history and had a {$0.00} security deposit because of it. After living at this apartment for a year, and moving out ( leaving the apartment in good condition like when we moved in ) they decide to hit us with {$650.00} in fees!! I received NO notice from the apartment complex and was sent straight to collections, so I did n't receive word until about 4-5 months later. It was a joint debt shared by 3 people. 2 of those people paid their share, including me, and yet I was not removed. Debt collector lady said she could not tell me if I could be removed from this debt.. 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 explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY

Complaint narrative:
I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide 2 forms of identification and that at least 1 of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with XXXX or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the XXXX I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for ACE cash express I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
First, when my mortgage was first transferred to XXXX from another company it they cashed the first check but did not credit it to my account because I had originally paid the first mortgage company. This is my legal right to pay the old company within a certain number of days of the transfer of service. Second, when my mortgage was transferred to a new company XXXX Loancare stopped my automatic payment prior to notification. Also, they stopped it well before the allowable limit of how long I can still legally pay XXXX Loancare. When I finally found out, I was over a month behind on my payment with the new mortgage company. Luckily they did not charge a late fee. Also they conveniently backdated the letter that they sent me. Lastly, I have not received my tax statement for XXXX. This is normally not a big deal since I could typically go online and check the statement but they have disbanded my online account for some odd reason. Now they wo n't reply to my emails. The tax statement should have been provided to me prior to XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My home mortgage loan was recently sold to a company called Loancare out of XXXX, Virginia. The first thing they did when they acquired my loan was to increase the amount being held in escrow from the contracted XXXX of the total charges to an amount that is equivalent to XXXX of the total charges. Over the last month, I have repeatedly tried to get them to correct it via phone and e-mail, but they continue to ignore my requests. My total estimated escrow payments for the year 2016 are {$9300.00}. They want to hold {$3100.00} in escrow which is exactly XXXX. The original amount without the increase would have been {$2200.00} which is still over the contracted amount even without the increase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : CFPB XXXX XXXX XXXX, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of this medical bill. I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My Mortgage was transfered/sold to LoanCare ( XXXX ) sometime between XX/XX/XXXX and XX/XX/XXXX ; hard to tell due to this company 's false and illegitimate business practice! They stated my escrow account was short for beginning year XX/XX/XXXX, and increased my monthly amount for escrow. I contacted them ( XXXX ) because my required monthly escrow amount increased ; they explained that my home insurance increased. I already knew this, but wanted to speak with this company for first time after reading online reviews. In addition to my home insurance increase ; LoanCare added another immoral fee themselves. So I called to ask for explanation ; why the difference in paperwork regarding my escrow account, I was disconnected after asking to be put on hold. This is my first experience with LoanCare ; as my loan was recently sold to them. After reading the online reviews at this link " https : XXXX '' ; I ask that this company be exposed immediately! These people are playing with homeowners homes ; ultimately, their lives! Is this what the government has allowed our country to become ; it 's hard working citizens being legally robbed.

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 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I sent a request for documents to clear up some confusion as to how my FHA loan I signed and have a copy from the purchase of the home one year ago. Is now a conventional loan without my permission or my wife 's permission. Now facing foreclosure with limited resources with out FHA, but how this happened and why we were not told that we got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I received a letter from LoanCare stating I had insufficient flood insurance on my vacation property. I have XXXX buildings on my property ( front & rear ). I have XXXX policy numbers XXXX for each building. The policy offers XXXX premium options for each policy. LoanCare paid both premium options on the rear building & neglected to pay the front policy. 
After speaking with 16 different " insurance specialists '' over 3 days for over 7hrs I have received 16 different reasons that I do not have any flood insurance, but I do have a so called WIND policy???? I would like an insurance specialist to understand that the error is from them paying the XXXX premium options on XXXX policy only. I was advised today, XX/XX/2017 that I must pay {$630.00} out of pocket to maintain sufficient flood insurance. If I do not make the payment immediately, Lender-Placed Insurance will be purchased at my expense ... and it will be costly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
My mortgage lender sold my mortgage, at the same time the amount was adjusted to cover escrow. Somehow I missed the slight uptick in the amount ( {$47.00} ) so the mortgage company posted the money I did paid at " unapplied. '' I then saw the error, called the company, was given the run around and finally the clerk told me she could not give me the new mortgage amount until I submitted the {$47.00}. I mailed a check that day and still received a threatening letter. Given the sale of the mortgage, the new amount, and my call to the company I would have expected more courtesy. So apparently they get to " hold '' my payment as " unapplied '' - which seems grossly unfair. The company is Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made multiple payments ranging from {$2900.00} to {$4500.00} to BBVA bank using their online system and pulling from a XXXX XXXX XXXX checking account. At no time in the process did they say large payments may take 7-10 days to credit to my account and made no attempt to expedite the process. Instead, I just have a worthless piece of plastic with no available credit to use despite it showing up online on BBVA 's end and the money being withdrawn from XXXX XXXX XXXX 's end. This is ridiculous and intentional stalling on BBVA 's part during the XXXX bonus period they offer. They are systematically delaying their customer 's usage of the credit card during this time yet promoting this time as a way to garner more sign ups for their product. It is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My mortgage got transferred to Loancare Servicing XX/XX/XXXX and since then I have had nothing but issues with this company. I set-up auto-payment through their website and when they had n't processed the XX/XX/XXXX payment on time, I called and asked what was going on. They claimed I had entered an incorrect banking account number ( which was not true ), so they could leverage a " Bad Check Reversal '' fee. I later checked the auto-payment summary on their website and the account information was correct. After a lengthy phone conversation with them, they managed to rectify the fee. However, in an attempt to avoid future issues with them holding my banking information hostage and intentionally fudging account numbers and charging me late fees and surcharges, I set-up monthly auto-payment through my banking institution. When the payment processed for XX/XX/XXXX, I went on to their website to ensure the payment went through correctly and saw that they charged me a non-descriptive {$20.00} fee that they took out of my additional principle payment. I received no notification from Loancare that they were leveraging a fee on my payment ( not even on the payment confirmation email they sent me on the payment date ). I also identified that they have the wrong home owners ' insurance carrier listed on my online account, so I do n't even know if they 're actually paying my insurance premiums through escrow. I have tried to call their customer service line 10 times in the past 2 hours and I just keep getting a busy signal. I have been paying this mortgage for over 3 years and have had no issues at all until Loancare took over the loan servicing. At best this company is a bunch of fee mongers, and at worst they 're crooks who intentionally and strategically nickel and dime people.

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 2015-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: RI

Complaint narrative:
DISCOVERS VENDOR ; XXXX MISREPRESENTED THEIR PRODUCT AVAILABLE FOR SALE. I PAID THE XXXX BY DISCOVER CARD UP FRONT FOR THE MERCHANDISE. TWO WEEKS WENT BY SO I CALLED THEM TO ASK WHEN THEY WERE DELIVERING TO ME. THEY STATED THEY WERE WAITING FOR ME TO CALL, THEY DID NOT HAVE THE PRODUCT I NEEDED. THEY SAID THEY WOULD SUBSTITUTE ANOTHER TYPE OF MATTRESS. THAT WAS NOT ACCEPTABLE. AND, WHY DID N'T THEY CALL ME WITH THIS ISSUE. TO ME THIS IS A BAIT & SWITCH SITUATION. I WAS DISTURBED BY THEIR DECEPTIVE BUSINESS PRACTICE SO I TOLD THEM TO CANCEL THE ORDER. THEY TOLD ME THEY WOULD NOT CREDIT MY DISCOVER CARD, THEY WOULD ONLY GIVE ME A STORE CREDIT. THEY LIED TO DISCOVER AND TOLD THEM EVERYTHING I ORDERED WAS SPECIAL ORDER, WHEN IN FACT THEIR SALES GIRL TOLD ME EVERYTHING WAS IN STOCK. THEY ARE A CLEARANCE CENTER. MY HUSBAND HAS A XXXX PROBLEM AND HAS BEEN OPERATED ON ( XXXX ) TIMES. WE HAD TO GO TO ANOTHER COMPANY TO PURCHASE A BED TO CONFORM TO HIS NEEDS. DISCOVER ORIGINALLY CREDITED OUR ACCOUNT {$1200.00}. THEY THEN REVERSED THE CREDIT AND SAID THEY HAD NEW INFORMATION AND SIDED WITH THE VENDOR, ( WHAT NEW INFORMATION AND FROM WHOM? ). DISCOVER FOR A XXXX TIME CREDITED OUR ACCOUNT, ADVISED US NOT TO CHARGE ANY MORE ON THAT CARD, DISCOVERS RECORDED LINES STATED THEY SAID THEY WERE CANCELLING THE CARDS SO THE XXXX COULD NOT PUT CHARGES BACK ON OUR ACCOUNT. THEY SENT NEW CARDS AND FRAUDULENTLY STATED THIS WAS TO REPLACE LOST OR STOLEN CREDIT CARDS. THEY AGAIN REVERSED THE CREDIT OF {$1200.00} AND CHARGE IT TO THE NEW CARD. THE NEW CARDS THEY SENT HAVE NEVER BEEN ACTIVATED BY US. WE THEN PUT A COMPLAINT IN WITH THE ATTORNEY GENERALS OFFICE ON XXXX/XXXX/2015. I HAD NOT HEARD ANYTHING ABOUT THE COMPLAINT SO I CALLED THE AG OFFICE ON XXXX/XXXX/2015 IN RHODE ISLAND. I SPOKE WITH XXXX WHO INSTRUCTED ME TO THIS SITE TO PUT IN MY COMPLAINT. THIS PROCESS HAS BEEN GOING ON FOR MANY MONTHS. TO THIS DATE WE HAVE NO MERCHANDISE AND NO CREDIT FROM DISCOVER CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I disputed this dept on my credit report on XXXX XXXX, 2016and on XXXX XXXX, 2016 the company responded to my dispute as verified so I call the company on XXXX XXXX, 2016 at XXXX I asked the representative about the dispute and why is it not being reported on my credit report as a medical bill instead of placed in collection. The representative asked me why was I disputing this account anyway, I advised him that the insurance paid this account. I also asked the representative what was he advised when they contacted the medical center to validate the debt, he responded with they do not have to contact the medical center with whom the original debt was made to validate it. According to 15 U.S. Code 1692g - Validation of debts paragraph ( A ) subsection ( 4 ) the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; The representative advised me " You needed to research the laws a little better before you start quoting laws to him ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation