vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: TX

Complaint narrative:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
Carrington Mortgage bought my loan about 3 mo ago from XXXX XXXX XXXX. It is a XXXX property. With escrow etc it comes out to XXXX monthly. I found out my insurance company had increased my policy by 3 times the amount in XX/XX/XXXX. This brought my escrow account to XXXX negative. I cancelled that policy effective XXXX XXXX. And started another policy that is 3 time less. With no warning or chance to pay the negative escrow Carrington just sends me a bill for my new payment of XXXX mo. On a XXXX property that only has XXXX yr taxes. They want and escrowed amount of XXXX mo. I have called them twice and now emailed them in reference to this. Their agents tell me it is an escrow cushion. They are asking for XXXX year escrow and my property taxes are XXXX and my insurance is XXXX yr. I told them I wish to pay the negative escrow not to raise the payment. Even with the old insurance amount, negative escrow, and taxes they are still asking for an additional XXXX in my escrow account. I sure can not afford to have my monthly payment increase by XXXX just like that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
Loancare LLC states I missed a payment, did not pay correct amount, charges late payment fees every months, when I have banking documentation clearly showing I have paid on time every month. I contacted them when I received credit bureau report that I was two months delinquent on mortgage. They never once contacted me to discuss. Each phone call with them they tell me a different story, and continue to charge late fees, even after I have sent them documentation three times showing payments on 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 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, Simple Bank froze my account without telling me a reason why, but requesting bank statements for all external accounts linked to my account with them. As far as I was aware, the only linked account was the one from which the initial funding came, which was with XXXX, so I responded to their message with that information. After receiving no response, I looked again and noticed that there were two accounts I did not recognize that were showing up as linked to my account, so I sent another message stating so, and again received no response. I have called the customer support line multiple times trying to get any information about what is going on, if they need anything else from me, and to get an idea of when I could expect to be contacted or when the issue might be resolved. The customer service representatives claimed they were unable to provide any of this information and refused to transfer me to a supervisor or to provide contact information for anyone that could possibly answer my questions. I have been unable to access my funds for a week now, and Simple Bank is providing zero information to me. At this point, I have missed bill payments and have no money with which to buy groceries/gas/etc. and I have a rent payment coming up that I am afraid I will not be able to pay because my funds are inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage servicing was transferred to Loan Care. They immediately started robe-calling me every day. The robocaller simply says " Please call Loan Care back at & lt ; number & gt ; '' and nothing else. Not necessarily exactly those words, but no actual information about reason for call or possibility to stop the calls. So far there are XXXX numbers they have called from ... XXXX and XXXX. In each case, they ask me to call the number they called from back. Interestingly, their caller ID does not come in as XXXX, but as XXXX XXXX XXXX XXXX XXXX XXXX. 

I 've called them back as requested several times and each time I 've been assured that they will stop the robocalls. Each time, they have failed to do so. 

It 's maddening and they call at different, mostly inconvenient times each day.

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 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage bought mortgage from XXXX and increased amount paid to escrow even though my insurance and taxes have not risen, They said once paid, I have an escrow balance of {$130.00} but they need it to be {$480.00} dollars so my mortgage payment went up. Can they do this arbitrarily? What is they want my extra escrow balance to be {$1000.00} or {$1500.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX Loan inception. Was assured that twice monly partial payments were permitted. 
XXXX Divorce. He signed quit-claim. Bank would not remove hime from loan unless refinanced ( would not restructure ). Did not qualify for refinance. Tired several times. XXXX was told that the only way they could restrudture was to allow loan to go into foreclosure. 
XXXX Bank neglected to pay homeowners insurance from escrow. I was not notified. Bank forced surplus insurance. 
XXXX to present. On and off calls to bankd re : insuance. Was told I had to wait until renewal to replace surplus with my own insurance. Meanwhile, I moved XXXX times and did not receive any notice. 
Present : Multiple calls and letters to bank. Some respnse that someone would reseaach, but no followup. The latest was XXXX XXXX at XXXX ; fter no word or return calls for XXXX weeks, found that he was no longer with company. Loan was about to be foreclosed. 
XX/XX/XXXX XXXX XXXX XXXX approved foreclosure. She noted tht there were over XXXX file notes that not her concern. Foreclosure due to non-payment for over 108 days. I HAVE NEVER MISSED A PAYMENT. She is responsible for the forecloser if not paid by XX/XX/XXXX. There are no errors on the part of the bank. 
I have bank statements and have also provided over XXXX years of accounting trying to track my payments. I filed an insurance/escrow research request with the bank. The loan is scheduled for foreclosure tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: DC

Complaint narrative:
NCC Business Services in XXXX Florida insists that it takes 10 days to obtain a proof of payment from them, claiming " first come first served ''. Representative said it was like signing a credit card statement at a restaurant. When I mentioned the process does n't take 10 days at a restaurant she said again " first come first served '' as though there were ten days worth of trucks full of payment receipts needing to be processed. When a payment is collected, I should be able to get a receipt as soon as the funds come out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: MA

Complaint narrative:
I worked at XXXX for 3 years as a sales consultant, I was discharged from the job for using a wrong coupon to match XXXX online free delivery which is approved by XXXX Management without any warning or notification, after a month I received a letter from a debt collector XXXX XXXX and associates that I owe them XXXX $ for the issue that happened at XXXX and threaded me to escalate the issue, after their second letter asking for XXXX $ I send them back a letter that I do not owe this amount and explained that I used the coupon for the benefit of XXXX to close the sale and asked them to stop harassing me. They stopped sending letters since then but I keep receiving robot calls asking to make a payment, I filed multiple complaints to stop the calls, they changed the phone numbers and still calling me everyday. Please I want them to stop harassing me by their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Several years ago I received a notice from Fredrick Hanna and Associates saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then one came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia XX/XX/2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. XX/XX/2009 the attorneys of XXXX J. Hanna and Associates went to the XXXX County magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
There are two complaints. One against XXXX Mortgage, and the other against M & T Bank. XXXX sold the mortgage to M & T.XXXX stated in their response to my complaint they are waiting on documents showing my payments since XX/XX/XXXX and insurance amounts to M & T in order to resolve the issue of not paying my escrow account in full in XX/XX/XXXX. M & T signed the certified request I sent asking for the documents ( XXXX, signed by XXXX XXXX M & T ) .M & T told me on XXXX they have not received any letter from me.I have the certified return reciept # XXXX.Both compaines have caused grievous harm to me as a homeowner.XXXX violated their obligation to me when they did not pay my insurance in full. Then sold the loan because the insurance was canceled.XXXX and M & T have no quality controls to identify errors in their business, they are both " severely flawed '' and " ineffective '' .The problems are excessive and the error rate on my loan is unacceptable.I have been able to stay in my home with the help of family members.My fixed mortgage continues to go up due to the forced lender insurance and the tacking on of illegagle fees.I spoke with 4 people on XXXX attempting to get from M & T what XXXX say they need to resolve their part of the issues with my loan.M & T in their response stated they need 60 days to review this.I want the Attorner General to review the case

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
We applied for a mortgage with BBVA Compass. Senior Mortgage Banking Officer was XXXX XXXX in XXXX FL. We applied on XXXX XXXX, 2015 to close on XXXX XXXX, 2015. XXXX XXXX was the Consumer Asset Processor III - XXXX # XXXX. 

We bought a house in XXXX Florida with 26 % down. Five days before close they say that they sent emails to my present employer but my employer had asked for things in writing due to high fraud levels. I say surely your bank can figure this out before now, but they outsource all the verification and do n't send written mail apparently. Three days before the close, XXXX calls to say they now want 75 % down which was a huge sum of money. 

It was too late to find another bank and had we known that they were untrustworthy earlier we could have easily changed. It is so late that we have to sell a lot of stock and mutual funds quickly to raise the money to clear in time to close. So we sell a ton of shares and funds. It all clears the day before thanks to great work by our broker ( it usually takes three days to clear ). 

I write XXXX XXXX who is the EVP for BBVA Compass XXXX to ask for his help. No reply from XXXX XXXX and no help from BBVA Compass even after I ask for managers or executives to speak with after hearing this ridiculous change from XXXX XXXX and XXXX XXXX. Neither of them would give me another manager or executive 's name. I also called the bank branch asking to speak with the bank president with no luck. 

I am now worried about the creditworthiness of the bank, since I have raised the money but have no guarantee that they will close on time after such a radical breakdown in trust. 

Given that we had XXXX choice to change or do anything else, we close on the XXXX and the bank wires the money at the end of the day. 

The irony is that we had enough money to buy the home for cash and yet the bank changed the loan amount at the last minute and we were more concerned about their coming through. 

We now have a loan with BBVA Compass and would never recommend them, XXXX XXXX, or XXXX XXXX to anyone. In fact, they along with XXXX XXXX should be fired for what seems like their misrepresentations on closing the loan and terrible timing to change the terms of our agreement. We will pay the loan off well before the end of the loan since they do not deserve our business or patronage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XXXX XXXX, 2016, I purchased a smart XXXX Watch XXXX XXXX XXXX at XXXX XXXX for {$290.00} ( excluding tax ) using my Discover XXXX credit card. I found a lower price on XXXX XXXX, 2016 for the same exact item on XXXX for {$220.00} ( excluding tax ). On XXXX XXXX, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for {$71.00} ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not turn on and off jewelry items, and then gave me a claim number ( XXXX ) to submit the proper documentation. I called to check the status of the claim and was told it was denied since it was a watch. I spoke with a women in the President 's Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the XXXX Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the XXXX Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the XXXX watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on XXXX agreed that jewelry can not be turned on and off and thus agreed that the XXXX Watch was not a jewelry item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HCFS Healthcare Financial Services of TeamHealth
State: MT

Complaint narrative:
Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
My mother & I moved out of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2015. We never received a statement from XXXX within 45 days of vacating their premises. XXXX turned our account over to a collection agency by the name of NCC Business Center. A guy name XXXX XXXX ( XXXX ) XXXX ext. XXXX from NCC Business Center called our neighbor and discussed our business with her which is illegal. They have been constantly harrassing me about a debt that I never went to court about and I do n't owe them any money. I want to issue a cease & desist order against NCC Business Services , Inc. XXXX. XXXX XXXX, XXXX, XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for both of them to stop contacting me, my neighbors, relatives, my job, etc. as soon as possible. Please feel free to contact me or my mother at the numbers below. Thank you.

Company response to consumer: Closed with explanation