vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: PA

Complaint narrative:
Received copy of garnishment from Employer which Frederick J Hanna Associates is attempting to garnish my wages for a XXXX XXXX credit card debt. I had the card back in XX/XX/XXXX, received last correspondence in XX/XX/XXXX and the debt written off back in XX/XX/XXXX to another debt collector. I have not received any future correspondence regarding this debt until current- XX/XX/XXXX from Frederick J Hanna Associates . The amount is 3 times the original debt, the statute of limitations has passed, the debt originated in XXXX but I live in XXXX and have been living in the state since XX/XX/XXXX. It is illegal to garnish wages for credit card debt in the state of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 

2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 

3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. 

After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. 

We have been swindled!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Since we stopped receiving e-statments in XXXX of 2015, we have reached out to XXXXLoan Care many times via phone and via their website to update our contact information ( phone, email, mailing address ), yet our updates are continuously not applied, resulting in us not receiving important information about our payments being increased which then lead to two months of our automatic payments through our bank being insufficient, causing XXXX reports of 30 day 's past due being put on our credit report. 

XXXXLoan Care never contacted us via phone or email to inquire why mail from the property was being returned, they never updated our contact information despite our multiple phone conversations and personal information updates on the web page. Had XXXX updated our information we would have been made aware of the payment change and the " 30 days past due '' never would have occurred. While we were " delinquent in paying the updated amount '' due to an escrow analysis, XXXX continued inability to properly update and maintain our correct contact information prevented us from both knowing about and being able to address the payment increase. When we called in to inquire on these negative credit reportings, we not only made the proper payments, but again changed our contact information, yet we still have received no mail or emails about this mortgage. 

Most currently, when contacting XXXX about our loan, they are unable to find it using either the loan number, our social security numbers, or our names and calls to Loan Care go unanswered.

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 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
first time she called was very rude. she has called several times even on sunday has left my a ton of voicemail. I explained to her my financial situation. she said the apartments agreed to settle for XXXXand when I ask her to send me a letter stating that she gets very upset explaining to me that she cant do that, that I send money first than they take it off..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage loan was sold to LoanCare ( http : //www.loancareservicing.com ) in XXXX, which I did not request or approve. Although, according to their customer support specialists, a welcome letter and XXXX loan request letters were sent and several calls were claimed to be called, I did not receive any of the letters or calls since I moved to a new place and traveled a lot for new job. Even though I set up a mail forwarding service, I did not receive any of the mails so far. The records of phone calls, according to your customer support specialists, can not be found in their system. 

I was totally unaware of this transaction until last week, my credit score dropped from XXXX to XXXX, when I was applying for another loan for a new house. My morgate loan was sold to LoanCare, but my auto-payment information was not associcated with this transcation, so my loan was past due for the past 3 months. This is not an intentional behavior ( and you should be blamed for this ) so I should n't be punished by such dramatic decrease of credit scores, which almost ruined my life. 

Once I recognized that there is overdue payment, I contacted LoanCare right away and paid those due payments but not the any of the late fee. However, the credit report entry, which has significantly impact to my credit score, was still posted. I do n't know how should I dispute this late payment. I tried really hard to build my credit score for the past five years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY

Complaint narrative:
I have tried to send numerous letters disputing inaccurate information reporting to my credit reports, I got the letters back saying the address on file is incorrect. I sent them certified mail with receipt. I have copies of the letters, it 's to the collection accounts on my credit reports. The addresses and information is incorrect, I tried contacting the credit agencies but I have n't had any luck with them. I keep getting responses back telling me that the information on my credit file is correct when the information they send me is n't correct the addresses that is being reported is incorrect. I used google to locate a address for some of the accounts on my reports that listed a number with the address. This should be removed off of my credit reports due to inaccurate information on my credit reports, this is on my Transunion Credit report and XXXX credit report. XXXX reports have inaccurate information on 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 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
Carrington Mortgage services changed their payment address for bankruptcy accounts and did not inform their customers. I never received notice that my payment would not be received. When trying to understand why they did not contact me, all I received was the statement " because of the bankruptcy ''. This is an unfair practice and has exposed me to fees and possible failure to submit payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files

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 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Open letter to LoanCare CEO XXXX XXXX, Senior Vice President, Loan Administration XXXX, Executive Vice President and Chief Operating Officer XXXX, Senior Vice President, Client Relations XXXX, Senior Vice President of Loan Conversions & Escrow Department I bought a house two years ago. My loan was sold twice. The current loan servicer is LoanCare LLC. The county in which I live sent me a property tax bill in XX/XX/2016 which is normally paid by the mortgage servicer who manages the escrow account. XXXX went by without a payment by LoanCare LLC to the county for taxes. I received a follow-up letter from the county that said I ws in default and that if I did not pay immediately I would incur penalties and interest. Therefore, I immediately paid the taxes due directly to the County. The taxes are now paid in full by my own payment. Since then, LoanCare claims to have paid my taxes out of my escrow but the County Tax Administration states that they have only received one payment, and that payment was the payment I made from my checking account. I have receipt from County proving I paid these taxes and I have bank statement proving that payment came from my own personal funds from my own checking account. Yet LoanCare charged my escrow account for the taxes which they did not pay. I 've called LoanCare a dozen times. Each time I spend ten minutes navigating the automated IVR system only to be hung up on by the IVR system. I 've actually reached a human twice. The first time, the human promised to credit my escrow account for the duplicate payment. The second time the human said their systems were down and she was unable to help me. So far, no credit has been issued. I request an immediate credit to my escrow account. 

Please contact me immediately.

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 2017-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I sent BBVA Compass Bank Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our car loan, to receive our car title. The legal tender was sent over night express mail, and received by BBVA on XX/XX/XXXX, and signed for by XXXX XXXX. XXXX has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, and I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why BBVA is exempt from Legislation. XXXX did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then their is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, according to the Banking dictionary 4th addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the Black 's Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened an online bank account with Simple within the last XXXX3 months. From the beginning I had multiple issues. Immediately I had trouble accessing money I had deposited into my account. I called customer service multiple times and got different answers. I was able to complete some small transactions. In early XXXX, Simple contacted me stating that they believed someone else had accessed my account. I called simple and they gave me instructions that I needed to verify some information. I logged into Simple as instructed and a pop up window with a customer service rep walked me through what I needed to do. I completed verifying my info for a new account, and even attached my drivers license and proof of residency for upload in the chat box, the rep explained that my money deposited in the old account would be transferred to the new XXXX and would be protected from fraud. and I should receive a new card in XXXX4 business days. I thought they said it would only take a couple of days but when that did n't happen I emailed and received a response saying it would take 7 business days. Seven days later my {$1300.00} ( approximate ) showed as pending. Sigh of relief! It will nice to have access after almost a month. Only to log in the next day with an account balance of {$0.00}. I proceeded to call customer service and explained the situation, the rep responded that it must be fraud and shut down my access to my account. They now refuse to give me any information at all or any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. I opened a free business checking with BBVA Compass in XXXX 2. I opened a personal checking with BBVA Compass in XXXX 3. Unbeknownst to me and without my permission, a {$1000.00} line of credit was opened in my name and attached to my account 4. I closed my free business checking in XXXX XXXX and kept my personal checking. 
5. My access to business checking statements was removed from my online banking, and I have since been requesting copies of all statements for recordkeeping and business obligations 6. It has now been three weeks since I have been promised either paper or electronic copies of my statements. I have been contacted at my home to open a money market account in this period by the same banker, but no statements 7. I am in the process of purchasing a home and need income documentation. My calls to the branch manager have left me on hold for 30+ minutes and calls to my banker, XXXX unanswered. 

I am seeking the following : 1. My bank statements for BBVA Compass account # XXXX 2. Prevention of banks like BBVA Compass from opening lines of credit in their customers ' name without their permission 3. Instruction that my banker can not pressure me into a money market account Note : I have a high balance and income. & gt ; XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX Phone # XXXX XXXX. Approved a Mortgage loan modification of 3.75 % last year. The agreed payment was {$2100.00} per month. When my XXXX bill came my bill was for {$2200.00} per month. XXXX XXXX 2015. They stated they miscalculated property tax and Hazard insurance. As of XXXX 2015, my mortgage payment will be {$2400.00}. They have stated the rate increase is do to {$3500.00} for property tax, {$640.00} for FHA, {$1200.00} Hazard Insurance, *** {$1200.00} for New Loan Setup***I should not have to pay {$1200.00} for New Loan Setup. This loan was taken over without my knowledge by Ocwen. My original loan was with GMAC who went out of business. Why do I have to pay when I had nothing to do with GMAC going out of business and selling my loan. This seems to me as another form of Predatory Lending tactics. 
What is this. jump in tethey have in Know I am being charge s 1 year later they have reone yearXXXXtal mthe loan was finaliz oo on

Company response to consumer: Closed with explanation