vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: URS Holding, LLC
State: MO

Complaint narrative:
Enterprise Recovery Systems called my employer asking for personal information. I am unaware of how they received my employer 's phone as well as where I am employed as I have not been employed there long. They had previously called my personal phone earlier that day and when I was unable to pick up they immediately began to call my work without me even hearing the voicemail from my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, We were first approved for a HELOC with BBVA Compass bank and then rejected inspite of having impeccable credit and spotless credit history because we are " not US citizens ''. We already have a XXXX mortgage on our home and have never been late, missed any payments in our life. We applied for a loan ( and declared that we were not US citizens from the beginning of our application ) of XXXX and were approved for XXXX. Then when we were about to close we received a denial letter and the Mortgage broker told us that we were denied because we are not US citizens. From our standpoint, this is discrimination by a bank claiming to be Equal Lender, based on country of origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XXXX XXXX, 2015, I applied for a BBVA XXXX XXXX on XXXX XXXX, 2015, I was contacted by the BBVA underwriting department letting me know that I was approved and they told me my credit line was {$20000.00}. A few days later I called to do a balance transfer and they told me that my account was closed due to security concerns but would not address the reason why. Up until this present time I have not received an explanation as to why my account was closed. I have attached a copy of the email as proof of BBVA opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My dad had me added to his bank account for emergencies so i could access his money to take care of his dog or pay his bills if he was in hospital. The bank used my social security and drivers licence information from this account instead of his to give him a credit card. He did not know they used my information to open this credit card because this whole time they have been sending the bill to his address as it should be. The bank has failed to correct this mistake. I found out about this credit card after I had my credit checked. I went to the bank manager and asked him the process for opening a credit card account and he said all it requires is verbally telling a banker the last XXXX of your social. I find this hard to believe. They didnt ask for a copy of his social or a copy of his drivers licence to make sure they had the right person? They will not produce a copy of this form that was signed for me to look at either. I feel stuck and this is my only credit blemish. How can they use all my info but send him the bill? I feel they used my credit just so they could get a commission on the whole deal because maybe they couldnt make the deal with his credit. I feel the bank owes me an apology as I have only been in this bank one time and that was to get on his debit card account. How are they allowed to look at his account, take my info off of it as his comes up first on screen, as the manager told me addmittedly, and give him a credit card without any verification, under my name. Our birthdates are nearly 40 years apart. They couldnt tell from looking at our birthdates and looking at him alone that the wasnt me. I find it ridiculous I have to deal with this situation. This banks system is garbage, if what the manager said is true, for allowing credit cards and I think they need to be reported for the way they do business. Any help with my situation would be greatly appreciated as I have a wife and XXXX kids to take care of and I am trying to refinance XXXX vehicles and my mortgage asap! Time is money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX sold my mortgage to Carrington Mortgage LLC in XXXX 2015. In XX/XX/XXXX, I paid XXXX {$310.00} to cover an escrow shortage. Carrington 's commumincations advised that I had a {$1600.00} shortfall. When I called to discuss this change, they advised that they are allowed by law to hold a 2 month cushion, which I understand. However, when I did an escrow analysis, I determined that they were overstating the shortfall by over {$500.00} because they were *paying* my homeowners insurance, town and school taxes one month before they are due, resulting in over {$500.00} of the shortage. I called and asked how they could pay the bills before they are even sent out, and they replied that the wanted to " make sure the homeowner was not late with a payment ''. While this sounds wonderful, it allows them to hold {$540.00} of my money in escrow in addition to the {$1100.00} cushion, which is {$540.00} that is not available to earn money for me. For example, my homeowners insurance premium is not due until XX/XX/XXXX, but the escrow statement notes that the payment is sent in XX/XX/XXXX. If Carrington does this for only XXXX mortgages, that 's XXXX XXXX in their bank account instead of the home owner 's account. XXXX recently sold XXXX mortgages to this company. If they hold just {$250.00} from each of those customers, that equates to XXXX in funds that have been collected early, and earning money for Carrington. Understanding that the law allows them to hold a 2 month cushion - {$1100.00} ( in my case ) x XXXX = XXXX in Carrington 's account instead of the home owner 's bank. 
I have owned my home for 16 years and never had any issue with XXXX or XXXX. I am astounded and appalled to know that this company is allowed to practice in a way that causes the consumer to remit funds that are not due for up to 60 days. 
I am in the process of refinancing, but after speaking with Carrington 's customer servcie department, have zero confidence that the funds in my escrow account will be returned to me in a timely manner. Reading the consumer affairs reports about Carrington lowers my confidence level even further. By the time the refinance is complete, Carrington will have over {$2500.00} of my money held hostage in escrow. I would like to know if there are guidelines regarding the process to return money in the event of a refinance, so that I have some ammunition when speaking with the Carrington customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I was denied loss mitigation because I had received loss mitigation before.

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 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a checking account with BBVA compass bank One of my credit card ( XXXX ) did a balance transfer of {$3000.00} since XXXX last week and they sent the money to the Bank but the Bank no show my money in the balance I have call them twice but they do n't solve it please help me to find my money Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Once again, a repeating problem trying to send an international transfer through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. 
Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am in the process of closing my BBVA Compass chequing account since I had acummulated a negative balance of {$160.00}, But I still will like to pay BBVA Compass hopefully in small installments.The reasons for this are as follow : Between XX/XX/XXXX and XX/XX/XXXX my BBVA Compass chequing account had been charged four times with non sufficient funds each time around {$38.00} fees.Of all of those only one was for a real writting check, the rest were electronic payments.Althought I must admit that when all these transactions were paid by BBVA Compass it seemed practical since I did not had to face the payee going after me.But then later I realized few issues with the way BBVA Compass exercise this service on my account for instance there was no a call, email or mailing letter informing of my account been over draft ; all this time I had have exporadic access to the internet and a few years ago BBVA Compass force me to relinquish paper statements.Also in the year 2013 I remember walking to my neighborhood BBVA Compass branch located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX and sat with one of their employees at that time to ask for a removal of overdraft protection from my account.I Know could bear my mistakes, but all of these non suficient funds fees were for paying my XXXX, my mechanic, my car insurance and my phone company even some of the bills were for {$5.00} ; had BBVA Compass honored my request of a few years ago all of my payees would be more lenient and cheap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
A letter was sent to NCC Business Services on XXXX XXXX, 2015, via fax number that is provided on their website. After over a month of not receiving a response to my request, a letter was again sent out to them on XXXX XXXX, 2015, in which as of today, I have yet to receive a response to. At this time they have failed to validate the debt but since XX/XX/XXXX, they continue to report this to the credit bureaus ( all XXXX ) which I have documented proof from all XXXX credit bureaus, and they have failed to mark the account as consumer disputes this account. I contacted their office on today and spoke with XXXX XXXX, who identified himself as a supervisor as I asked to speak with the compliance officer or office manager after speaking with XXXX XXXX. According to XXXX XXXX, they never received the XX/XX/XXXX letter but received the XX/XX/XXXX letter. I advised him that it was sent to the fax number listed there on their website. He was very rude as I told him at no point did they mark the account as in dispute with the credit bureau. He stated he would try to get something over to the bureau to do so now, I advised him that it was too late as this would also be reporting inaccurate information as the initial dispute was 3 months ago. He refused to provide me with a contact name or allow me to speak with the officer manager as he stated he was " The Manager :.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan was sold to LoanCare and my first payment was due XXXX/XXXX/16. I sent it off via my electronic bill pay on XXXX/XXXX/16 and went out of town for 3 weeks. Upon return in late XXXX, they called and said they had not received it. That day I sent an email with proof of payment from my bank account, and they said they would research and contact me in 48 hours - they did n't. I called them ~1 week later, they were researching and confirmed it would n't be on my credit and they would waive fees. I called ~1.5 weeks later, after some back & forth ( they misapplied XXXX pmt as XXXX pmt ) I resent more information via email - was told they 'd get back to me in 48 hrs, they did n't. I was told again, it would n't be on my credit. On XXXX I received an electronic credit to my bank acct for the XXXX payment, so I sent it off again immediately ( they now have XXXX pmts in XXXX ) The reported me as a late payment in XXXX on my credit causing me to have issues closing my current loan. I 've now called them almost on the hour for the last 24 hours, and have been disconnected while on hold 5 times ( I 'm not making that up ) and spent hours trying to resolve. They say they will call me back and they never do. They are telling me it will be 1 week to research - I 've given them ample time since I 've followed up with them since XXXX and they have all of my bank statements at this point. I just need a letter stating they will delete it. I feel like a victim - they made an error that will cost me, they wo n't call me back, they 're going to take time to research, and they disconnect the lines when I call them. I 'm so emotionally traumatized that I ca n't express how upset I am in this email. I need a deletion letter " yesterday '' in order to proceed with my loan - otherwise I lose my earnest money, interest rate and the home I made the offer on, and all because of an error by LoanCare. I 'd work with them and just take a letter at this point, but they wo n't even do that. They should be investigated, and not allowed to service loans if they are not going to answer customer questions about our accounts, and are incorrectly managing their accounts.

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 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
I have a loan currently held by XXXX, who purchased the Loan from XXXX. My mortgage has never been late and is consistently paid XXXX months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from XXXX taking it over in XXXX of this year. In early XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with XXXX. I contacted XXXX and XXXX stated that they were not responsible because they had the loan serviced by Loancare for a short time, approximately a year. I am currently awaiting a response from Loancare. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying XXXX months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. Loancare, XXXX and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp.
State: WA

Complaint narrative:
I contacted the agency Armada Corporation, to settle the debt, they have listed as {$1300.00}, that they reported today. They said I would need {$3500.00}. To pay it off. Those are very different amounts. The debt is also almost at it 's 7 year statue of limitations so they tried to make me make a smaller payment so they can continue the collection proceedings. I am willing to settle the debt for the actual amount of {$1300.00}. But they are n't. I need help. I appreciate your time and consideration on this!

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 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
CASE # XXXX ( Reply to answer ) I fid it inconceivable that a bank does not know what branch an account number is associated with. The branch is XXXX XXXX in XXXX Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: FL

Complaint narrative:
I sent letter to a letter to Southern Management Systems on XXXX/XXXX/15 asking for validation of XXXX accounts. I sent another letter to them on XXXX/XXXX/15 when I noticed I had n't received a response from them. To date, there has been no response and they continue to report and update this account with the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
My mortgage was originall with XXXX bank and then was sold to Carrington Mortgage. My first payment with Carrigton was XXXX/XXXX/2015. I mailed a check to get there by the first without realizing that my autopay that I had with XXXX was going to be carried over to Carrington. Even thogh my payment for XXXX was made they still drafted my checking account in XXXX. When I called to resolve the issue the automated system stated that my next payment was due on XXXX/XXXX/2015 ( recognizing that a double payment was made ) However when I spoke to a representative they told me that they could not see that an extra payment was made and wanted me to fax proof from my bank. I did this several times and each time I called back they said they never received my fax. When I finally went to my bank to place a stop payment on XXXX payment so that I could gt back on track Carrington changed the amount of my payment slightly so that stop payment did not work. Today I called Carrington to simply cancel autopay with them so that I could skip a payment since I was ahead anyway and was told that autopay could not be cancelled unless I fax them a letter stating to do so. I fear that they will continue to say they dont receive my faxes and I will be out almost {$1000.00}. It seems like they are intentionally giving me the run around. They refuse to reapply the extra payment to principal or refund the money. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email from " my boss '' asking me to transfer money to another bank account. My boss did not send it. Our domain name isXXXXXXXX, the email was disguised, but our IT person looked into it and discovered it came fromXXXXXXXX ( just XXXX " t '' instead of XXXX. ) The sender attached a pdf, asking for money to be wired to XXXX XXXX, via Compass Bank, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. Routing number XXXX. Acct number XXXX. We did not transfer any funds, but I wanted to make you aware.

Company response to consumer: Closed with explanation