vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Filled a complaint on XXXX/XXXX/2015 ( XXXX ) and have been trying to get a hold of my Personnel account Manager to find out status with No return Phone call on at least XXXX attempts ( unacceptable ). 
Today i checked the CFPB for a update and see a update was sent by Mail, which I did not get because they did not put my apartment number on my mailing address which they had at XXXX time but seemed to have miss placed that as well. It Should Be XXXX.Also My credit has been damaged by this and am requesting them to Repair this as well with no response at all. The problem they had was bigger than them saying insurance was not in place. that only came late in the conversations i did have with them and it was supplied to them. It does not explain why they said my payments were {$16000.00} per month and I was a month behind ( how do you explain that ). Requested at least 7 Times to talk to a supervisor or have one call me and that never happen. I can not even get my XXXX on the phone I know they record all theses conversation so there is a record of everything i am saying. I tried again this morning to contact my XXXX XXXX XXXX other agents are not allowed to handle your complaints and they are not available and no supervisor will ever call you back. Worst customer service set up i have ever experienced. I am requesting thru you to have my Apartment number of XXXX added to my address. Also to have credit agencies contacted and repair my credit.Maybe you can get them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mortgage company will not return my money for 30 days even though they already had it for two weeks and are saying it will be another 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I modified my loan this year. I made 3 timely trial payments. My first modification payment was due XX/XX/XXXX. I made the XX/XX/XXXX payment. When I called to make the XX/XX/XXXX payment, I was told the I still owed XX/XX/XXXX. I later found out that my XX/XX/XXXX payment was credited to a XX/XX/XXXX payment because I sent the payment in " too early '' according to Nation Star Mortgage. I disputed the situation by submitting 3 review requests to their Research Department, and I stayed in constant communication with Nation Star throughout the entire process. I was told that no decision had been made and to resubmit my request twice ( totaling XXXX ). I specifically asked about additional fees and foreclosure and was told that no fees would be added and that foreclosure had not been started. I told them that I had the money to pay, but wanted to resolve the issue. They would not take partial payment as they wanted me to repay the XX/XX/XXXX payment. I called yesterday to pay the entire amount, because I am tired of fighting with them and was advised that foreclosure proceedings had been initiated and approximately {$6000.00} in fees were added to the account since our last conversation 7 days ago. 

I feel that they have not worked to assist me and have taken advantage of the fact that I am not as knowledgeable as them. I have attempted to pay on various occasions and they have refused to take my money only to add additional fees to the account. What are my options? Please help! I am a single, widowed mother of XXXX and am dealing with serious issues with my son at the moment. I can not continue to go back and forth with Nationstar with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
Consistently calling me at work even though I told them that I can not take calls at work

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
Had to check any box above because none pertained to my online experience complaint. See below : I need to file a complaint to the correct agency regarding XXXX GC Services Ltd Partnership located in XXXX CA. When trying to pay monthly agreed amount, I was forced to fill out amnesty form before continuing to make payment. Amnesty form contained answers that I did not agree to, but was autofilled by their software before I can leave page. This company is making consumers agree to information and {$50.00} fee before submitting payments. I did not agree to this and called them promptly to complain. I need to wait for them to remove {$50.00} amnesty fee before I can pay court ticket for my husband. I still am unable to pay ticket amount and his license can be effected by DMV. He must have his license for his job or he will be fired. I 'm sure they are affecting many people and their drivers licenses and need to be investigated. Please let me know if this is the correct agency or who I need to contact to get this resolved and investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I leased a vehicle ( XXXX Buick LaCrosse ) from US Bank. The lease term just ended and I paid US Bank {$17000.00} in certified check back on XXXX/XXXX/15 to buy the vehicle. It has now been two and a half weeks and US Bank is not releasing the title of the car and sending it to me. I have called several times and they still have not mailed it. If we consumers were to make a late payment, US Bank is quick to charge ridiculous late fees and ruin our credit report. However, the same rules do not apply to this bank. That is ridiculous! We need to get the title NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I made a purchase using my AMEX credit card that went thru my paypal account. The services provided were not provided and I asked the merchant for a refund. The merchant responded that they would provide a refund as soon as possible and did n't follow through. I put the charge in dispute and expected AMEX to credit the charge. Now AMEX is ignoring my documentation and telling me it is up to the merchant to provide me with a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Requested to have PMI removed from Wells Fargo when the LTV was below 80 %. Home was purchased in XXXX and appraised for $ XXXX. Requested to remove PMI in XXXX and an appraisal was requested. Appraisal came in with a value of $ XXXX considerably lower than purchase date. Appraiser did not use appropriate comparables and valued the home well under the neighborhood value. After much debate with Wells Fargo, we requested another appraisal to remove the PMI which took place in XXXX. Wells Fargo had the same appraiser come out to evaluate our home. This time, the apppraiser valued our home $ XXXX. We provided the appraiser with appropriate comparables, XXXX being our immediate neighbor and neither comparable was used. I feel as though were being misrepresented by Wells Fargo as they chose the same appraiser twice, even when we requested a different appraiser. After we were denied our requests with Wells Fargo we were forced to refinance with another company. We refinanced with another company on XXXX and our home was appraised for $ XXXX. We had paid months of PMI payments that were not needed and a second appraisal fee.

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 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company
State: MD

Complaint narrative:
Contacted collection agency on XXXX/XXXX/2016 for payment of total amount owed. Paid total balance owed on XXXX/XXXX/2016 with credit card. The amount was debited to my bank account on XXXX/XXXX/2016. Now the collection agency still show unpaid collection in my credit report. I have disputed this balance with XXXX but nothing has been done. I have also contacted both the original creditor and the collection agency but they refuse to remove the derogatory information on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: URS Holding, LLC
State: PA

Complaint narrative:
I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more

Company response to consumer: Closed
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Jonathan C. Frank & Associates, LLC
State: PA

Complaint narrative:
I have been receiving calls stating that there is a debt that I owe, however the " so called '' law office would n't supply any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I began to refinance with my current mortgage co and during the process our mortgage was bought by LoanCare. I paid the first payment to them when due and since the refi co was waiting for payoff letter I contacted LoanCare and they said they did n't have the payment yet and therefore could n't get an accurate payoff. My bank verified they sent payment and after being told by customer service at LoanCare that I should pay another way so I am not late, I did so over the phone with them and put a stop payment on the bank check. I stated to Loancare that I did a stop payment and to please note the acct as such. 2 days later I received a receipt stating they got the check and applied the funds. I called and told them that was not supposed to be an they said to not worry since the money would end up not being applied after the fact since I paid XX/XX/XXXX due. Well Loancare sent the payoff with the extra funds in the amount without anyone knowing this and we went to closing and finalized everything with funds being funded from mortgage co to Loancare XX/XX/XXXX. Loancare stated that I owe XX/XX/XXXX funds as well as the FHA regulator interest for XX/XX/XXXX now, {$880.00} on top of the mortgage! I stated that the funds went through XX/XX/XXXX and they said it was after XXXX therefore they had to add on the other money due to holiday and not processing until XX/XX/XXXX!!! Every call into customer service was terrible and left me in tears. They were beyond rude and completely arrogant in their responses. The timing from start to finish on how they handle money is beyond unacceptable and I cant imagine if they were my mortgage company for good! Considering they lost a check for 2 weeks, then applied is after I paid over the phone and then took the payoff amount 5 days to process that in turn leaving us to owe money that we do n't have! Terrible and sad that this is okay in the work of money, as well as the customer service dept being beyond terrible and barley able to understand what half of them are saying. SAD!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, a withdrawal was debited from my checking account each month by a name unknown to me. The withdrawals were suspicious because the amount of money and the dates were different each month. After several months of this I called my bank to tell them I did n't recognize these charges. I was told that I would have to contact the payee in order to stop it because I was the XXXX that authorized it. I could n't find any contact information on the company and did n't know what to do. I eventually filed a dispute and had to close that account in order to stop the debits. During that year this fraudulent company had taken a total of {$630.00} from my account. The bank reimbursed me for XXXX of those debits as well a XXXX notices admitting that it was the banks error. They would only reimburse me {$110.00} of the {$630.00} that was taken. After opening the new checking account I began accruing Over Draft Fees. It became like clockwork each month XXXX day before my retirement check of a mere {$480.00} would be eaten up by these fees. During XXXX XXXX - XXXX XXXX, I was charged {$1600.00} for Overdraft and Insufficient Funds. Since then, I have gotten so far behind that it 's impossible for me to pay all of these fees and catch up. They have charged me at least another {$3000.00} in Overdraft fees since XXXX XXXX. I am attaching a letter that I had my attorney write to them and the documents with proof. 
It is because of their error which they admit to, that caused the charges in the first place. Please help me get my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In order to manage Trust account XXXX XXXX XXXX referred Compass BBVA Compass. Like the account before I move compass Had Been comprised via Home, Auto and Mail.Describe what happened so we can understand the issue ... 
At XX/XX/XXXX and XX/XX/XXXX, I deposited {$120000.00} and {$40000.00} it appears I was steered to the service in order to access fund via electronic charges and guardianship paper there stolen as a minor from my home by extended family. it seem more than just XXXX card was assign to XXXX a account as well. 
Product Bank account or service : Checking accountIssue Deposits and withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My mortgage was transferred to LoanCare LLC about 6 months ago and I have an issue with a {$10.00} fee that I am being charged every month. They charge this fee depending on when you pay your mortgage during the month. I have been paying on the XXXX of every month due to my pay cycle at work and I am forced to pay an extra {$10.00} because of this. According to all my documents and closing papers this fee is being wrongfully charged. Before it was transferred I made my payments in a similar fashion and was never charged a fee. Is this legal? I would like to stop paying this fee and would also like to get my fee payments back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: MNE Services, Inc
State: CA

Complaint narrative:
The following is the email I received this morning CASE FILE # XXXX LOAN INFORMATION DUE AMOUNT- {$990.00} LOAN COMPANY- USA FAST CASH You are going to be legally prosecuted in the Court House within couple of days.. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENT AND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bear the entire cost for this law suite {$5400.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then XXXX will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURS ON : XXXX USA.FAST CASH LEGAL GROUP OF ATTORNEYS XXXX Copyright ( C ) XXXX - XXXX USA.FAST CASH | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.

Company response to consumer: Closed with explanation