vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to your agency because I am very upset the way Discover handled my claim. XX/XX/2015 we received several calls from XXXX XXXX from XXXX telling me that he could get us XXXX federal grants for economic stimulus. But they wanted {$2300.00} up front so he could do all the paperwork. We agreed and paid them with our Discover card {$2300.00} to XXXX XXXX. Well needless to say they kept stringing us along and telling us that the grants we had applied for were gone, so I contacted Discover and was told they could not help. They would n't even do a good faith investigation. The Attorney General told me that I was well within the guidelines of claims and defenses, again Discover would not help. I also paid {$6900.00} to XXXX XXXX. I was again defrauded. I disputed the charge. Somebody called in and dropped the dispute. I tried to re open it and was told I could not. I know that 's not true but Discover would not listen to my side. The money was supposed to go to XXXX but instead went to XXXX XXXX. I explained to Discover that it is not a billing dispute, it is for services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, XX/XX/2015 I applied for the BBVA Compass Bank XXXX credit card. The following morning, I was contacted to verify my name, address and social security number. On XXXX XXXX I received a letter stating the terms and conditions and balance transfer checks. On XXXX XXXX the card came, which I activated at that time. The next day I attempted to make a purchase which was declined. When I contacted BBVA I was told the account was under review, but not given any time frame or further explanation from the Bank. On XXXX XXXX I was advised by a CSR that my account has been closed because they were unable to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 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: GA

Complaint narrative:
I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. 

ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. 

They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a checking account on XXXX XXXX, 2016 with the Branch Manager, he offered me overdraft protection. He advised me that, the overdraft would cover changers if I did n't have the available funds in my account, and as long as I deposited the funds to cover the transaction I would not be charged any NSF fees. The morning of XXXX XXXX, 2016 I overdrew my account by {$10.00} getting gas at XXXX. That same day I made a cash deposited in my account of {$20.00} to cover the transaction from the morning of {$10.00}. My account reflected a positive balance of {$14.00}. The NSF charged for the transaction posted to my account two ( 2 ) days later and caused other transaction to be declined and more NSF Charges. I was unware due to the statements the branch manager advised me of when selling the Overdraft protection to me. I called Compass Bank to make a complaint and get this rectified on XXXX XXXX, 2016. I was told by rude agent that someone from the corporate office would be calling me back. I still yet to receive a call back and my account has not been corrected to date and more fees are occurring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/2017 we received a counter offer from Carrington stating they needed $ XXXX net proceeds, which he said we could get from cutting commissions and fees. 

On XX/XX/2017 Buyer increased their offer and we cut fees to meet that minimum net proceeds of $ XXXX. A price addendum and matching HUD was submitted to Carrington. 

Today, XX/XX/2017, Carrington issued an approval letter that was higher than their stated minimum net. Carrington further reduced the commission and decided to keep the additional proceeds - over and above the $ XXXX net they told us the buyer needed to meet. We spoke to the negotiator who said she would take it to her manager. When the manager called back he created a whole new story about their minimum required net. 

During this call the manager made jokes that they would just foreclose on it themselves so they could assign it to their in-house re-sale real estate group and make the commission on it themselves. This is a gross conflict of interest. 

We also addressed several other issues. Carrington has broken into the home. Carrington has changed the locks. They have stolen caretaker 's personal property. Carrington has removed the Listing agent 's For-Sale signs on the property. Carrington has put one of their own for-sale signs up with their phone number ( this is a violation of state law and tortuous interference of the listing agents Listing Agreement. ) Carrington also put a login sheet in the house and a No-Trespassing Sign on the property. 

When we confronted the manger about these issues he laughed and pressed us on whether the buyer would cancel the file. If this were a true loss mitigation attempt and not an outright attempt at servicing fraud this would not likely have been his stance. 

When told we were going to file a CFPB complaint against them, the manager also laughed and said the CFPB ca n't do anything to them. 

XXXX It 's obvious Carrington intends to push this into foreclosure in order to list the property themselves with their in-house real estate group. This is the exact same thing Carrington did on another short sale we had with them - on which we also filed a CFPB complaint. We would be happy to provide to the CFPB a copy of that complaint as well. The last time Carrington did this a senior VP called and cussed us out for defending our client 's rights, while they committed gross servicing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am 3+ years into a 5-year auto loan with BBVA Compass XXXX Until 3 months ago, I received a monthly " Billing Notice '' showing the coming month 's payments amount, and the breakdown of principal, finance charge and any additional fees/charges. My loan is structured such that the interest and principal fluctuates from month to month. I called the bank today to query why I have not received any Billing Notices since XX/XX/XXXX and was told that I would no longer receive them because I had a " Payment Book ''. However, I have always made payments via a Payment Book, and the bank could not explain why this should now mean that I do not receive Billing Notices. I asked if I could be sent monthly statements, and was told that I could not, although I could contact the bank periodically and request that a statement be mailed to me. I like to know what is the principal component of each month 's payment, so that I can have a better picture of what my balance owing will be in XXXX/XXXX/18 months, especially given the apparently random manner in which the bank determines the principal/interest split each month. 
I have online access to my BBVA account, but again, this does not provide monthly statements. All that I have access to is payment amounts ( total paid and date received ), and the loan payoff balance. There is no information available to me as to principal / interest payments, and the actual principal balance remaining. 
It is my understanding that banks are legally required to provide regular statements, and BBVA is not doing this. I suspect that the reason for this is that the bank has obtained most of its interest payments already, given the that the loan is set up for lower principal / higher interest payments in the early years, and low interest / high principal payments towards the end, and so the bank cares not for providing acceptable levels of service and would prefer at this point that I closed out the loan and took my business elsewhere. 
A further complaint I would like to make is about the lack of disclosure when I took out the loan that there would be such erratic discrepancies each month in the principal payment. I would not have agreed to the loan ( which has an interest rate of 5.6 % ) had I known that I would be paying upwards of 10 % interest in the first 2-3 years, and 3-4 % in the last 1-2 years.

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: Disclosure verification of debt — Not given enough info to verify debt
Company: Southern Management Systems Inc.
State: NY

Complaint narrative:
I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help

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 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
My mortgage loan was purchased by LoanCare XXXX two months ago. Since I have received poor customer service from this company, and now my monthly mortgage rate just went up by $ XXXX/month. I called and the customer service representative could not even start to explain or understand why my monthly payment went up by {$55.00}. I was much happier with XXXX Bank before they sold my loan. Everything I have read online about LoanCare says they are not a good company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
On XX/XX/2017 we sent the proceeds from sale of our previous home to LoanCare, " a XXXX company. '' Today, XX/XX/2017, LoanCare 's website states that our outstanding principal balance is {$32000.00}, down from an original loan amount of {$330000.00}. Obviously LoanCare received the priority mail envelope that contained a cashier 's check AND a cover letter requesting cancellation of PMI. [ Please see attachments. ] However, as of today our account information on LoanCare 's website states the next payment due is exactly the same amount as all previous payments. When I finally got through to a representative at LoanCare he said the request had not been processed but he would submit the request today 's date. He also said that the earliest we might see PMI cancellation reflected in the monthly amount due would be XX/XX/2017 but that it is unlikely that LoanCare will complete the process that quickly. Therefore, under the best case scenario we will have paid at least three months -- possibly more -- unearned PMI, which the representative said would not be refunded. 12 USC 4902 ( e ) ( 1 ) ) states that a servicer may not require further PMI payments or premiums more than 30 days after the date on which the written request was received.

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 2016-02-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company called from XXXX said they were with compass bank and that they are collecting on a loan that was depostited into my account in 2010. They had the last XXXX of my ssn. Rep said that if I did not pay by Friday they would come to my job and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE FRAUDULENT INQURIES STEMMING FROM A VECHILE LOAN I NEVER TOOK OUT AND XXXX AT THAT FROM COMPASS BANK, I HAVE AN ACCOUNT FROM THEM BUT NEVER HAVE TAKEN NOR APPLIED FOR INDIRECT FINANCING. I HAVE HAD A GREAT RELATIONSHIP WITH COMPASS THUS FAR AND BEMUSED THEY WOULD UNDER " XXXX XXXX XXXX '' RUN A REPORT THAT CAUSED A MIXED FILE. ITS ILLEGAL AND UNETHICAL I WANT ALL INQUIRIES REMOVED AS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WV

Complaint narrative:
We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. 
Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. 

By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. 

When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. 

We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. 

I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. 

Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation