vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Complaint Description : We 've received XXXX property tax bills within 2 months. We 're requesting they be paid from our escrow account but our lender is delaying the process. When we purchased our property we had to pay a significant amount to fund our escrow account. As a stipulation from our lender, and have the account impounded. Since XXXX we have paid each month into our escrow account faithfully and was advised by the representative who we signed our closing documents that we have overpaid and are still overpaying the necessary amount into escrow. To date our mortgage company has only made XXXX payments from our escrow account and sent us an overage check because we overpaid. In XXXX we received a supplemental tax for XXXX fiscal tax year with half due XX/XX/XXXX and in XXXX our new property taxes for fiscal year XXXX with half also due XX/XX/XXXX. We have contacted LoanCare on several occasions and have sent documents via fax, email and even certified mail to no avail. When asked who we could file a complaint with they say there was no one we could speak with but that the matter would be escalated. We had to go as far to contact our original loan officer in order to get a response and assistance and even now we are still at step one. After all the battling they are saying they will only pay half of the first supplemental tax bill but they will not pay the other half because the funds to pay the remaining balance would not be available which makes no sense according to their own calculations. Their balance of our escrow account is incorrect we were told by one representative and the title company that we have one amount and another that we have another. And they 've refused to explain what happened to the original amount we funded the escrow account with when we signed our closing documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
Carrington Mortgage Services LLC consistently processes my payments incorrectly. I always pay additional principal and it is always processed as an additional regular payment. I was instructed to mail my payments to a different address so that this would no longer happen. I have mailed two payments to the new address and the payments are still processed incorrectly. This has occurred approximately 8 times in the last 2 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Vengroff Williams, Inc
State: MD

Complaint narrative:
This company threatened to suspend my drivers license on an account that I have been paying monthly on for the last 2 years. I made XXXX payments via check in XX/XX/XXXX and XX/XX/XXXX. Unfortunately the company did n't receive the payments. I told them I would go online and pay the first payment, but my bank told me the other check had been cashed. I was waiting for the copy of the check and I was in constant communication with the company. I left several messages and told them that I would go online and make they payment. Every time I talked to them they threatened they were going to petition the court to suspend my license. I am a law abiding citizen and understand that this debt was my fault and I have been making restitution. To decided to take someone 's license away because they did n't receive a payment or XXXX is ridiculous. I have been doing the right thing and should n't be threatened when I was making payments. The debt was {$2400.00} when we started and it 's now under {$1000.00}. I have certainly been doing my part. This is n't the first time I have had issues with the collection tactics of XXXX. Furthermore this company never notified me in writing that they would have the power to suspend my license if I was behind in anyway in my payments and when I told them they could n't take my license away because they were a debt collection company, XXXX said they were a subrogation company and that was different. On all forms/statements it says they are a collection company trying to collect a debt. So what are they??? I have attached a copy of a statement showing how much I have left to pay on this account. Please help me!!!! This company should not be allowed to do business this way. Especially when someone is communicating with them in regards to the 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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
I opened a credit card account with BBVA Compass on XXXX XXXX, XXXX. I was offered a promotion to open the account, which was XXXX bonus points for net purchases of {$1000.00} over the first 90 days. The promotion was for opening a BBVA Compass XXXX XXXX XXXX card. I went over the {$1000.00} mark in spending on XXXX XXXX, XXXX, according to my records and confirmed by a BBVA Compass customer support representative. I was told that it might take 30-45 days to post these bonus points to my account. I have worked with BBVA Compass to resolve this matter on several occasions, including four attempts in XXXX XXXX, two of them by phone and twice by secure message at their website. I called one more time on XXXX XXXX, XXXX to request the points be posted as it had been more than 45 days. However, as of today my account still has not had the points credited. These points are equal to {$200.00} in a statement credit and this promotion was a significant factor in my decision to open the account. I would like BBVA Compass to honor our agreement. BBVA Compass has acknowledged that these points are due to me but has not been able to post them to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
my husband passed away and he had credit life insurance so my mortgage should be paid off but loancare are still makin me pay and and they keep raising my house payment and now they are sayin I owe XXXX $ late fee which I do not I mailed and owe them nothin

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 2016-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I have been making additional principal payments on my mortgage. I send XXXX separate checks each month, because I do n't trust them. I noticed on my statement that instead of crediting me {$300.00}, they credited {$290.00}. I called them and asked about it. They noticed it on the previous month as well. They refused to accept copies of bank statements and insisted that I go to my bank and get check copies, front and back. I am sure they hoped I would just drop it. I am sure they are during this to many, if not all of their customers, which could total into XXXX dollars over time, which is why I am continuing to pursue this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
Loancare LLC became my new mortgage servicer on XX/XX/2016. XXXX was my old servicer. XXXX said my new mortgage payment would be {$400.00} beginning XX/XX/2016. Loancare billed me for {$480.00} for XX/XX/XXXX and continues to do so. 

I submitted documentation from XXXX and asked XXXX to do so as well. Loancare says they never got the documents, says I am behind, and at risk of foreclosure.

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 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Unique Management Services, Inc
State: OH

Complaint narrative:
I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
I have been fighting with various names of this same collection agency for years. I have stated numerous times that I do n't even believe this debt to be correct, but have paid over the years because they obtained a judgement ( which I also challenged ). Most recently, I sent XXXX letters to XXXX XXXX and XXXX along with a payment and requested a break down of my account showing my payments and balance. They never responded. Instead, they rolled the account over to another name law firm which is really the same as theirs and they start all over again. The new firm is Cooling & Winter. I just saw they lost a law suit from CFPB for doing this sort of stuff. I am asking for an accounting of the payments I have made and a balance owed. I am also asking for a verification of the debt. Third, the judgement is nearly ten years old and I want to know if it is even enforceable since it was done in yet the name of a third law firm. They just pass the debt back and forth between their various sham firms. I have evidence that this debt was taken care of via a XXXX I was sent from the bank years ago but they do n't answer my complaints in this matter. I have written dozens of letters to them over the years and they fail to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
Carrington Mortgage has been the direct force in us resulting with a lien against our property. Our mortgage has our tax pymts escrowed. On XX/XX/XXXX, I was informed by my town office that no pymts had been received for the year & a XXXX day demand was in affect. We contacted Carrington on XXXX and was told that their records agreed, no pymt had been made. A copy of the demand letter was faxed by the town to the company. We were told it had been received and would take XXXX days to process but we were all set. After checking our account and seeing no pymt applied we again called on the morning of XXXX. We were told this time that nothing had been processed & that they had not received a fax from the town until XXXX. This was in fact a lie since we had verification back on XXXX we were all set. The town further verified it by having confirmation that the fax was sent on XXXX and there were no outgoing faxes on XXXX. They told us it would be another XXXX days for processing. I told them this was unacceptable since the deadline was XXXX. The town was contacted by them the morning of XXXX asking for yet another statement of the account balance. It was provided and then the town called and verified that it had been received and was in hand, which it was confirmed. I called as well and was told on XXXX that the check had been issued and had been overnighted. On XXXX, no payment was received. The XXXX aware of the situation, called the company and was told that they would call back with a tracking # and were surprised it had not come in. By the afternoon, the XXXX received another call from a different individual stating that there had been a mess up and the check had not been mailed ( Even though XXXX the XXXX and myself was informed on XXXX it had been mailed ) They were unwilling to do anything in forms of a wire transfer or over the phone payment to avoid us having a lien placed on our property by XXXX. Checks were finally cut and mailed on XXXX but a lien was filed due to non payment by the set deadline. 
This has further led us to believe that we were misdirected last XXXX ( XX/XX/XXXX ) when we tried to apply for a refinancing of our loan due to some hardships ( my wife had missed a lot of work due to XXXX issues ) We submitted everything that was requested of us and each time when we confirmed that it was received, were told we were all set. Then when we would call to check on the status, were told on XXXX separate occasions that the documents had not been received. We were ultimately denied and accepted it, but this is now making us wonder, if this was just another lie and documents were not delivered or fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. 

Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. 

The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Purchased our home in XXXX of XXXX. Our XXXX payment was made in XXXX of XXXX. Loan care servicing center was responsible for taking our payment and process it. We made our payments on time every month and never sent in a payment, I always called and spoke to someone and they made the payment as an ACH transaction.. Our mortgage was sold in XXXX or XXXX to XXXX. We continued to make monthly payments to them via phone. It was n't until XXXX that we called to make a payment and were informed we were 30 days behind. After many phone calls we disputed a missing payment they said we had in XXXX XXXX. After faxing and emailing proof of payment they changed the month of the missing payment to XXXX of XXXX. After this date was verified payed just a few months ago the now new date up for dispute is XXXX of XXXX. We have provided and ACH transaction proof from our bank and we 're told by the End of XXXX XXXX we would be receiving a letter letting us know the problems had been corrected and the late fees and missing payment would be resolved on my husbands credit report. This case has been escalated 3times in a year. As of the XXXX of XXXX, we received yet another email saying the ACH transaction was not enough evidence. After having a XXXXway conversation with our current mortgage company and loan care the night of XXXX XXXX, Loancare hung up on us twice and we nothing was resolved. We have sought legal advise and Loancare still refuses to fix the mistake on their end. They have our transaction for XXXX XXXX being sent back to our bank as insufficient funds. We have provided them with proof on our bank statement that it was never put back in our account and the ACH transaction was posted to the account. They have more than enough proof and are refusing to accept something happened on their end. This has been over a year we have been fighting this and my husbands credit has been ruined in the process. Attached is all the proof we have ever given them and they are still saying it is n't satisfactory.

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