vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
My husband and I opened up an account with BBVA Compass Bank for our new vechicle. I was told by several reps that I could make a payment from our checking account since BBVA Compass bank did n't have a way to pay online. I made NUMEROUS attempts to pay thru our checking acct and was told that my bank " rejected " the transaction. After multiple calls to my bank, my bank advised me there was no record of BBVA Compass bank transaction. I made a " bill payment '' to BBVA Compass Bank XXXX XXXX/XXXX/16. I checked my bank on XXXX/XXXX/16 and confirmed BBVA Compass bank received my payment. On XXXX/XXXX/16 I started receiving XXXX telephone calls per day from BBVA Compass bank!!!! I returned the call and was told by a rep in the collection department that my payment was late. I advised the rep to double check the records and that the payment was sent via bill pay and received by the bank on XXXX/XXXX/16. After the conversation, I continued to receive calls from BBVA Compass bank XXXX8 times per day!!!!! The calls interrupted my day and evening. I had to put the bank on call block. I called BBVA Compass bank today- XXXX/XXXX/2016 and requested to speak with a supervisor. The call was transferred to XXXX XXXX XXXX. She pulled up my account and verified my account was paid on XXXX/XXXX/16. I advised XXXX a complaint will be filed for harassment from BBVA Compass bank regarding this issue since it should of never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Bank agent threatened me and verbally abused me for owing a balance less thann30 days past to. I was asked to i have a job and where do i work and threatened. The agent also refused to make a payment arrangements and hung up in my face. Agent then froze my accounts for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

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: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Today I had a fraudulent charge on my PayPal account. As soon as I got the email from Paypal stating that a transaction was pending, and I knew it was a transaction that I did not charge, I looked at my account on my mobile phone, looked up the phone number for PayPal, and got the run around with their messaging prompts. None of which had anything to do with reporting a fradulent charge. I then logged into my paypal account on my computer and I got a screen saying that someone has logged into my account using a device that was n't mine and was from a different country. All they asked me to do was change my password. They never asked if I should review any recent transactions made. I never received any communication about this device being logged into my account. 
I then read the directions of how to dispute a fraudulent charge which told me to do that in the resolution center. After going to the resolution center, it would n't let me dispute the charge. I then went to send an email through the contact page about the fraudulent charge but it would n't let me send - my email was too long to send but it never said that, it just said something was wrong. I ended up calling my bank and putting a stop on my account for this charge - costing me {$33.00}. I went back to send an email with a XXXX sentence statement to paypal ( even though they say to make it as detailed as possible ) and it went through ( from the contact page ). 
It took me XXXX to dispute the charges through Paypal. It took me 5 minutes to call my bank and put a stop on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I missed a payment in XX/XX/XXXX with Loan Care. I applied several times for a Loan Modification, but was turned down each time. XXXX XXXX, they contacted me for a loan modification. Loan Care signed me up for their loan modification program. I had to make a payment XX/XX/XXXX, XXXX XXXX, and the XXXX of each month, which I did. I used my debit card, and noted the name of the person to whom I gave the payment, since they would never give me a confirmation number. XXXX XXXX, Loan Care turned my account over to XXXX XXXX XXXX ', which is another division of their company. I continued making my payments with XXXX ' per my agreement with Loan Care . When I completed the loan modification program, I attempted with a couple different companies to refinance my mortgage at a lower rate, which would lower my monthly payments. I learned The XXXX XXXX had reported my XX/XX/XXXX payment as late, and reported my XX/XX/XXXX payment as not being made. Thus no other company would do a refinance for me, and The XXXX XXXX could keep charging me a higher rate. I contacted the XXXX XXXX citing names and dates of my payments. They refused to remove their wrong information from my credit report, stating they could report whatever they wanted because I was in a loan modification program at the time.

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 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a XXXX dealership in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX XXXX running my credit without my consent Compass Bank Indirect also ran my credit without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
My loan has been sold to Loan Care XX/XX/2016, I have called, emailed many times to make sure they have my tax info, I finally received a email stating they do n't pay the taxes on the house ( not sure why that have a escrow with XXXX $ and my loan docs have the escrow )? I called was on the phone for an hour, the man said he will expedite my tax records to the escrow dept. That was 4 days ago, and still no confirmation they have them and are going to handle this. I have never dealt with such a nightmare of a company. I need to make sure they have my taxes that I have sent multiple times and rest assure this will be paid in a timely manner. I really an terrified that they have me by the throat, they have my home.. If I would have know n this is what the future holds, I would have never refinanced.. I would have stayed with XXXX 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 2016-01-18 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass will not give us our own money. We have over {$66000.00} on a gift card that we can not get them to release. We have called them, gone into their branches and reached out to them online. They keep giving us things to do, but now we are months into the process and we can not get our own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a line of credit with BBVA Compass for Overdraft Protection. Although this is an open/active credit account, BBVA does not report it to my credit report. I have raised this issue with them, and they tell me that I need to contact the credit bureau. I contacted the bureau, however it is only possible to file disputes for existing information inside of the credit report already. I can not locate an option to 'add ' a tradeline to my credit report- really it is the financial institution that needs to do this. Additionally, I have to say the service at BBVA is not well. Their is frequently a language barrier, the bankers do not know the products or services. Additionally, they do not give consumers all of the available options to avoid fees- that is to say they retain control in order that they can charge fees. Ex : If I forsee needing my OD line, I can not advance it ahead of time. The bank advances it for me, and then charges me {$12.00}. As such, I never use the line because they do n't see fit for me to control my own money. It seems to me they have this practice to charge more fees to consumers. I guess the 22 % APR is n't enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: FL

Complaint narrative:
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. 
I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage company send employees to my front door to deliver past due notices and notices to contact servicer. I already speak to them via telephone and respond via mail from servicer. I 've never heard of mortgage companies being allowed to come to your front door almost weekly to hand deliver notes to call servicer or past due notices. Especially when I am currently going through modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Business Factors
State: NV

Complaint narrative:
I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: KY

Complaint narrative:
I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of 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 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I submitted for assistance for a HAMP modification about while I was with XXXX, XXXX XXXX XXXX and now Carrington Mortgage. After many years I finally received an FHA Modification in XX/XX/XXXX. The payment was still high. I was advised that I could appeal which I did, and then after I requested the appeal I was advised that I had to reapply, this was in XX/XX/XXXX. I thought that perhaps I would be able to make a payment, but it truly was going to be a hardship, so I began submitting documents as of XXXX XXXX, XXXX. I sent all of the documents as per the checklist, RMA, TAX returns XXXX and XXXX, XXXX, paystubs, bank statements, Interspousal Transfer, etc. Then when my representative called she was advised that we needed to fill out a new XXXX and check off a little box near my signature. Now today, XXXX from Carrington Mortgage advised that they had received all of my documents but that I needed the documents from XXXX, my ex-wife, when all along I advised that we were separated. Now I am told that I also need an assumption letter ; that I need to fill out a form to have XXXX sign as well to a research center for the bank, and that I would receive the documents so that I could assume the loan. My representative asked the Carrington representative why we were not advised back in XX/XX/XXXX if this new item was added to the list of documents. ( Please see the checklist attached-no where in the list does this requirement appear ). She apologized and continued by adding that FHA can only postpone a trustee sale if documents are completed within 37 days. I now have a Trustee Sale on XXXX XXXX. I waited over 5 years for a modification only to lose my home as a result of faulty information I am receiving. I was not given accurate information by the Carrington representatives. I am told that I can stop the sale by XXXX of XXXX actions : File Bankruptcy, Pay the arrears plus attorneys fees, or be in a disaster area. It seems that the representatives time after time, gave us piece mail information. I am at the risk of losing my home because I was not given the proper information. It seems the banks are doing this to have the homeowners give up. I need the assistance of the CFPB to assist. I feel the representatives at the bank were negligent in advising what really were the proper documents. I am not even given the opportunity of time to have the review nor sell he property via HAFA short sale. Please help me and my family not lose our home via foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. 

All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I received notification that my mortgage payments were to be made to XXXX Mortgage after XXXX XXXX instead of Loan Care which had been handling the loan for XXXX Mortgage.I made the changes incorrectly to my online bill paying bank, so the payments actually were continuing to go to Loan Care. This was not a problem for two months, but XXXX Mortgage sent me a late payment notice on XXXX XXXX. I have proof of payment on XXXX XXXX which shows the payment went to Loan Care. Loan Care acknowledged receiving the payment and tells me that they did a " pay out '' on XXXX XXXX. They can not or will not give me a transaction ID number or tracking number or tell me where this payment went. It did not show up in my bank account. XXXX Mortgage will not accept my bank 's proof of payment form, but my bank says there is no other proof they can offer. 
I need a refund from Loan Care so that I can pay the mortgage for XXXX.

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