vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: VA

Complaint narrative:
The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: URS Holding, LLC
State: KY

Complaint narrative:
The documents will detail that I attended the original creditor institution, the University XXXX Kentucky, and that I withdrew in XXXX of 2011. This led to me becoming delinquent within 90 days after that withdrawal ; no payments were ever made within that time frame towards the remaining tuition balance. The account was sold, and has ended up being listed under Alltran XXXX. The Open Date reflects the date Alltran purchased this debt and is in no way reflective of the date of first delinquency. The DOFD needs to be updated to reflect reality and the account in question should be dropped as it has illegally re-aged this debt. The debt was also paid in full to Enterprise Recovery Systems, but the name was changed when the company changed their name to Alltran XXXX and my credit reports do reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: GA

Complaint narrative:
An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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: URS Holding, LLC
State: KS

Complaint narrative:
" Enterprise Recovery System '' has been repeatedly ( several times each day ) calling me, family, and friends regarding a debt which has already been paid. 

They have attempted to discuss my debt with relatives and friends. 

They have repeatedly used phone calls to harass myself and those close to me. 

They have not sent a validation notice and refused to do so after I requested XXXX multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NJ

Complaint narrative:
A company ID 'd as XXXX from telephone # XXXXis continually calling my place of employment after they were repeatedly told to cease and desist. 
This is a 3rd party agency. They do not identify themselves other than the ID on our phone system. They are demanding payment but do not identify a transaction, company or amount. 
They are calling my employer as a method of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help! 

XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: MD

Complaint narrative:
Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
complaint against BBVA compass for not honoring information provided in writing - refusing to cancel auto pay even with 3 days notice- constant mis information provided by the phone agents - excessive hold times and not providing reasonable and realistic to industry standards for payment options

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28 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:
BBVA Compass keeps manipulating transactions and charging me overdraft fees The transaction they claim overdrafts my account never shows on the online banking And the fee is always when I have a positive account balance bigger than any transaction I have made. They refuse to refund these fees and tell me their system is different from what I can see. It appears to me they are stealing my hard earned money because you ca n't charge a customer a few and not show them on the system you give them to monitor their account where the fees originate from. They have now stolen over {$200.00} from me this month alone. I want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
From XX/XX/2016 until XX/XX/2016, BBVA Compass Bank ran a promotion that would provide XXXX rewards points ( each point with the cash redemption value of XXXX cent ) on all purchase made using the XXXX XXXX XXXX XXXX card. During that time I made XXXX payments to a merchant called XXXX with my BBVA XXXX card, XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. Out of those XXXX transactions, XXXX transaction totaling {$4800.00} made on XX/XX/2016 only received XXXX reward points while other XXXX transactions received XXXX points. Thus I am owed XXXX ( XXXX x XXXX ) additional points from BBVA Compass. I contacted BBVA Compass regarding this issue and the bank declined to issue me the rest of points stating that XXXX is not a supported merchant during that promotion. This statement is clearly false as I received the bonus points on the other XXXX XXXX transactions I made during the promotional period ( See Attachment ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. 
I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. 
Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. 
I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. 
I absolutely hate Carrington Mortgage and everything they stand for. 
I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. 

Disgusted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We are attempting to save our home. We have have had some hardships. We are currently being DUAL TRACKED. Which as we know is ILLEGAL. DUAL TRACKING is when the mortgage company is considering a modification and at the same time the house is being foreclosed on. This is so stressful. I do not want to lose my home. I do not know who to deal with. The bankruptcy lawyer or the mortgage company. I need to have the foreclosure sale date moved. Move it, stop it, give me some room to breathe and get my life in order. 

I can not believe that they are doing something that is illegal.

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 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My loan was transferred from XXXX to LoanCare LLC on XX/XX/2016. XXXX auto drafted my account for the XX/XX/XXXX payment. I called LoanCare on XX/XX/2016 to make a payment. They told me to wait for the " Welcome Packet ''. A packet never arrived so I mailed a check on XX/XX/XXXX. The packet finally arrived on XX/XX/2016. I immediately set up auto draft by faxing the info they requested. The check I sent on XX/XX/2016 cleared my account on XX/XX/2016. Also on XX/XX/2016 LoanCare did a test ACH for my auto drafts. I am now receiving pre-foreclosure notices in the mail, 9 so far.

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 2015-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Earlier this year our mortgage loan was sold from XXXX to Carrington Mortgage and our homeowner insurance renewed around the same time as this. I paid our mortgage using the old amount before the escrow analysis number could be adjusted to the new payment. Carrington placed that {$1400.00} payment into their " unapplied cash '' on our account which makes it appear that we missed a payment. They charged us a late fee and hit our credit reports with a missed/late payment status. Up until this point with our mortgage we 've had great payment status. My husband is has been out of work since XXXX and I do everything I can to ensure our house bills our paid on time. Carrington has a history of complaints with what has happened to us. It has been reported that they " pad '' their escrow accounts to make money and cause people undue stress when raising their monthly mortgage payments. I site the following websites for these complaints of sold loans and problems. XXXX corrected our unapplied cash payment and I have reached out to Carrington about this issue. They have told me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased gas on XX/XX/2016 from a XXXX XXXX XXXX in XXXX Tx. I paid {$30.00} at the pump. BBVA Compass Bank deducts the amount from your account as soon as you make a purchase, even if the company you are purchasing from gets their money right then or not. Today, XXXX XXXX 2016, they deducted the same amount AGAIN for that purchase. I called the bank and ask why did Compass Bank deduct the same {$30.00} from my account, I was told they only deduct one, but when you use your check card to make a purchase, they deduct the amount right then with the remaining balance above showing what you have just spent, even if the company gets their money right then or not, Compass Bank will show they have all ready deducted that purchase. XXXX XXXX, 2016, I checked my account that evening and there was nothing pending. I had a balance of {$20.00} in my checking account, so I online transferred {$50.00} from my savings to my checking giving me a balance of {$70.00} with nothing pending or in process. I called the bank when I seen this on my statement. I was told to show them XXXX of the same purchases. How can I do that when Compass Bank erases the first one and only showing you the one they want to. I just gave Compass Bank {$30.00} of my hard earned money. this is not the first time I have called Compass Bank about the same thing. They do n't do it back to back, they wait a few months in between to do this. I have a family to raise, and I watch every penny. I check my on-line statement everyday and will call when i see something wrong.

Company response to consumer: Closed with explanation