vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I took a vehicle loan out with Compass BBVA over 2 years ago and have always made my payments. Earlier this year there appeared to be an issue with my insurance renewal not meeting the correct coverage and Compass decided to take their own insurance out on the vehicle. They did this without ( i ) notifying me ( ii ) informing me that my existing insurance did not meet their requirements ( iii ) providing any evidence whatsoever that a policy had been taken out ( iv ) with exceedingly expensive premium ( way above any normal insurance cost ) ( v ) without any regard to the fact that I already had insurance and account for the money already spent. I was contacted by Compass BBVA on the XXXX Septemebr 2016 to make a payment on account, at which point I queried with them the additional costs. I refused to pay the additional cost and placed the item in dispute for someone to call me back to discuss. Instead I paid the normal monthly installment so that it would not affect my credit. No return call was made. I then made a further call to discuss the matter and customer services could not locate my account due to an error in administration when inputting my social security number. I was therefore not able to discuss the account further. I then filed a complaint with Compass as to why I could not discuss my account with anyone. After their investigation they apologised for inputting my social security information in wrong, I 'm amazed that they could not locate my account information by anything other than my social security. Still to do this day I have never been contacted about this other than to demand money yet they have gone a placed a late payment marker on my credit profile. This is an absolute disgrace. Please assist with this issue. A late payment marker should only be applied to an account that has its normal monthly installment late, not when the installment has been made and an item that does not relate to the contractual sum is placed on the account and then disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. 
They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. 
I feel they are pushing me to foreclosure and not accepting my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the issue.

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 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage loan was acquired by Carrington Mortgage llc. Since my " fixed '' payment has changed regularly. They do not send any communication and their numbers do not add up increasing the monthly payments drastically and they claim its for a year then they increase the monthly higher the next year. It seems like they are laundering money that does n't belong to them. They refuse to give a break down of their corrupt collection of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: MD

Complaint narrative:
i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
LOANCARE HAS REPORTED our LOAN PAYMENT as LATE to the credit reporting agencies. My wife and I would like this removed, as this is through NO FAULT of ours. 
TRIED to file XXXX complaint against Loancare but XXXX system continually says : Error : Connection timed out The server is currently unavailable. Please try later. 

I have contacted Loancare directly via phone and was given the email address, XXXXXXXXXXXX, to resolve the issue, as the csr on the phone said he could not help. 
We have filed a complaint to XXXX on this regard against XXXX XXXX. 
Complaint # XXXX EMAIL was sent and returned to Loancare, at least XXXX different times, dating to XXXX, EMAIL, as sent, FOLLOWS : We have been receiving notices that we are late on our loan payments. We refinanced our loan with XXXX XXXX XXXX XXXX, XXXX and closed on XXXX. 
The closing documents were then sent via XXXX overnight to XXXX XXXX. The tracking number to prove they were sent and received is XXXX. 
XXXX XXXX address and Phone number is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Ph : XXXX I have also been in contact with XXXX XXXX of XXXX XXXX. His phone number is XXXX. 
XXXX XXXX states, " a wire went out. We 're not sure if there was a shortage or what, we 're trying to track it down. '' XXXX was the settlement company.The information I have for XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX XXXX : XXXX It would be greatly appreciated if LOANCARE could investigate this matter and remove the negative reporting behalf of my wife and I. 

Mail Delivery XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX to me This is an automatically generated Delivery Status Notification THIS IS A WARNING MESSAGE ONLY. 
YOU DO NOT NEED TO RESEND YOUR MESSAGE. 
Delivery to the following recipient has been delayed : XXXXXXXXXXXX Message will be retried for XXXX more day ( s ) Technical details of temporary failure : The recipient server did not accept our requests to connect. Learn more at https : XXXX [ loancare.com XXXX : socket error ]

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 2015-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I have so many medical debt and I should n't have any my insurance should have covered all medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I have a fraud alert on my credit report and this debt is erroneous and not valid and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I was charged a total of {$680.00} by XXXX car rental agency. My final charge per my rental contract was only {$230.00}. After being unable to reach a resolution with the merchant I contacted my bank for assistance. They have been of very little assistance thus far and have yet to reach a favorable conclusion regarding my overcharges amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have an IRA at US Bank, and they issue account statements for my type of IRA account only once per year. 


I 'm trying to close this account and transfer the money in my US Bank IRA to an IRA that is held by a different financial services company. I 'm working with the other company to complete the transfer process. To complete the transfer, the other company requires a statement from US Bank that is dated within the past 90 days. This requirement seems reasonable to me. 

I recently spoke with a US Bank representative by phone, and I also visited a branch several weeks ago. US Bank considers my months-old account statement to still be the current statement, and says that I 'll need to wait until my next yearly statement is generated, which will happen months from now. US Bank refuses to give me a current account statement that is dated within the past 90 days. 

As a consumer, I believe it is my right to receive account statements more frequently than once per year.

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 2016-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, I acquired an auto loan for a XXXX Mitsubishi Lancer through BBVA Compass Bank. The monthly payment due at the time was ~ {$190.00}. Which was made every single month, as is documented by the bank themselves in my credit report print out. I would always go directly into the banks physical branch to make my loan payment, and tell them to simply charge my checking account the minimum due - The exact same thing was said every single time. 

My vehicle was repossessed early this morning, XX/XX/XXXX. I called and actually logged in to check my loan status on their website, and they 've documented it as 95 days pass due, with a delinquent amount owed of {$1300.00} USD. The repossession branch I was transferred to on the phone quoted me at owing just under {$2000.00} by Friday ( XX/XX/XXXX ) in order to prevent the vehicle from going to auction. On the credit report I obtained today, the past due amount is {$970.00}. Also, on the report it 's clearly shown that XX/XX/XXXX, my scheduled payment amount was increased from {$190.00} to {$320.00}, which one assumed would have been mentioned when I gave them directions to charge my checking account the minimum amount. 

While on the phone with BBVA Compass, I attempted to ask if there was any way we could work together to pay this apparent debt off and reacquire my vehicle - I am employed full time as XXXX XXXX military, my income is secure. When I explained to them military pay schedules being on the XXXX and XXXX of each month, and there was no way for me to make a full payment of {$2000.00} in less than 3 days time, the conversation was essentially ended. 

Also, failing to tell me where I could at the very least go to my car and obtain my personal effects inside of it ( IE : personally identifiable information, personnel records, my uniforms and even the original copy of my marriage certificate ). 

Tomorrow I 'll be going to the physical branch in person as a last ditch effort to try to get them to cooperate in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Home mortgage in XXXX Georgia was financed thru XXXX XXXX XXXX. In the beginning of XXXX, 2016 XXXX XXXX XXXX notified me that my monthly payment was reduced by {$300.00} due to a reduction in the property tax escrow amount ... ..the escrow payment for taxes caused the payment to go from {$920.00} to {$620.00}. I also received a refund from XXXX XXXX XXXX for the excess money that was in the tax escrow account. Shortly after all of this XXXX XXXX XXXX sold the mortgage to Loan Care. I was notified of the transfer in XXXX. Their records did not reflect the reduction in the payment due to the property tax amount. I sent them the first payment in the lower amount with a copy of the XXXX XXXX XXXX letter regarding the reduced payments. A phone call prior to mailing the payment to a representative was not beneficial at all. They stated all the information was not downloaded into their system. They would get back to me in 7 to 10 days. No one from Loan Care has responded. However, I have received additional letters demanding full payment ( {$920.00} VS. {$620.00} ). I received a letter from them indicating my account is 2 months in arrears and I can face losing my home. 
I am enclosing a copy of a certified letter that I mailed to Loan Care last week. I have not had any response other than the letter demanding full payment for two months.

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 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) Attached paper work in regards ' to the way that XXXX mortgage and also the Carrington mortgage company services LLC has been reporting to the credit agency on both of our credit reports untrue and inaccurate information ( Same joint accounts ). 
Information they are reporting are that the accounts were foreclosed on and a bankruptcy. 
They also make it appear that there are XXXX separate mortgages XXXX with a payment of {$360.00} and the other with a payment of {$700.00}. 
Carrington mortgage when I contacted : ( XXXX XXXX XXXX : XXXXXXXXXXXX ) stated that the foreclosure is correct because it was filed by XXXX before the short sale. Attached is a copy of the title search which shows no foreclosure paper work on this property was ever filed by either mortgage company. Also neither can show any paper work showing any foreclosure was filed and nor that we were ever served any foreclosure action. Also my attorney handling the sale of our home also did not receive any such notice. The only mention of any of this is on our credit reports. I believe this to be a deliberate attempt to help block any future credit offers by any lenders causing a lower credit rating and a higher interest rate offer by anyone. This is also an unfair and should be illegal partice. A lender has already told me that credit can not be issued because of what is reported to the credit reporting agency regardless of what paper work I have on these XXXX accounts. 
Attached also is the following : 1 : date and approval of short sale letter. 2 : mortgage transfer letter and date. 3 : copy of the title search, 4 : Satisfaction of debt, 5 : mortgage statement showing paid, 6 : this cover letter. for a total of 8 pages. 
This matter needs to be corrected and stopped by these mortgage companies to which I believe are working hand in hand or are really just the same company just using a LLC as a shield.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I contacted the LoanCare customer service today regarding my Escrow refund because my account has been updated to reflect the correct information. However, I have yet to receive the Escrow refund as of today 's date, XX/XX/2017 The customer service representative told me that it was mailed to my address on XX/XX/2017 and they could not send another check until the previous one has been in circulation for 30 days. I asked her for the tracking number and she indicated that there was none. I told her that this could not be since the check was of a large amount. I requested to have someone from the Escrow Department to contact me and the customer service representative told me that they did not take phone calls. This is is not good business or customer service in my opinion. Although my account is showing that it is updated I have yet to receive my Escrow refund. This is still fraudulent business. I am asking for an immediate refund of my Escrow overage. This is the first time I have ever experienced this kind of treatment from a mortgage company and I have had XXXX homes in my lifetime.

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 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/<YYYY> I got in touch with the Loss Mitigation department from LoanCare where they were asking for my XXXX COMPLETED SIGNED AND DATED BY ALL to be signed and completed by all. This was part of the requirement in addition to the XXXX that I submitted. I followed up with Loss Mitigation on XX/XX/2016 via email and voicemail, but havent heard back from them. I called them today as well and am still waiting to hear back on where we are with the form. I placed a call but get disconnected when I enter my information or try to login to my account online to schedule a payment. It is almost a month since I heard from them regarding this form and would like an update.

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 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My checking account had a positive balance on {$15.00} but I was charged a NSF Fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back from them.

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