vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My wife and I moved into a Family 's home that was larger. We rented out my home at XXXX XXXX XXXX, XXXX XXXX Ga. XXXX. The rental tenant skipped out and trashed the home. We tried to short sale the property and the bank declined the offers. I tried to do a deed in lieu and they did not do that. They started the foreclosure property 3 years ago. They even changed the lock and winterized the home. Two years went buy and they never foreclosed. I filed bankruptcy on this last year. They still have not foreclosed. They have been paying the property taxes and insurance yet the home is still in my name. I called FHA resources and he stated their is no claim on my XXXX report of where Bankruptcy was started therefore they illegally changed the locks on the home since it is not in Bankruptcy and still in my name. I do not want the home back, I want them to foreclose on it like we agreed 3 years ago so I can re establish credit and buy again in the future. Furthermore this home is getting vandalized and people are doing drugs in it. I contacted the police as I see it unsafe for the neighbors and children out playing, he stated that they have contacted the bank regarding theses issues at the property as well and they do not bother to board the home up or do anything to prevent this from occurring. I feel it is unfair they have changed the locks and started the bankruptcy process over 3 years ago yet have not reported it to FHA so it can begin to give me a clear XXXX report. Again, the address is XXXX XXXX XXXX, XXXX XXXX Ga. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We recently filed a complaint with our mortgage company and how they were overcharging us for escrow. They submitted their response and are changing the payment. However, we believe the payment should have been adjusted back in XXXX ( XXXX XXXX ) when the new Homeowner 's policy went into effect. As such, they partially overcharged us for XXXX and fully overcharged in XXXX. Again, I tried to contact them before the XXXX payment was due to no avail ( being on hold on two separate occasions for over 45 minutes ). As such, we paid the old payment of XXXX in XXXX and XXXX. XXXX mortgage should have been XXXX versus the XXXX we paid. As that difference did not go towards principal, and we are not seeing it in our escrow account, we believe they owe us the Homeowners Insurance overpayment amount ; i.e. the difference between the old payment and the new payment ; partial month of XXXX and full amount for XXXX. 

I have also reviewed our account on their website and it is still reflecting the $ XXXX amount for homeowners insurance. I am attaching for your review.

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 — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington Mortgage Services, LLC ( XXXX, CA ) recently bought our mortgage from XXXX XXXX XXXX. I have not recieved a notice or letter from my new service, Carrington Mortgage Services , LLC . It has now reached the 15 days time frame I should have received a notice, as mentioned in my rights from the notice from my previous server, XXXX XXXX XXXX. 

When I called Carrington Mortgage, they refused to take a payment by phone or online. I am not current on my loan and need to make payments but it seems they are trying to make it " difficult '' to get a payment to the company. Not sharing important information of where to send the payment, not giving me my new loan number and refusing to set up payments. However when I agreed to send a XXXX XXXX they stated " I better call because they may " flag '' my loan as foreclosure. However I have not received 'Any ' information from them. I am really upset and disappointed with the company and when I asked about setting up automatic withdraw payments after the XXXX is paid and the account is current, they statement reply was - I would not be able to set up automatic withdraw payments for six months of paying current. I feel this is discrimination also due to the fact that I had a financial hardship while being laid off XXXX. Why would a creditor not want automatic bank payments??????? Straight from you account ... The answer I feel is they are trying to set me up for failure to loose my home. The law states this should not happen. I am wanting to make my payments. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. 
Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. 
I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.

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

Complaint narrative:
BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXXXXXXXXXX XX/XX/2016 To : CFPB and California DBO re Carrington foreclosure on APN # XXXX / loan # XXXX Dear CFPB and California DBO, I have sent this exact same information to Carrington. 
Carrington Financial Services is sending Notice of Trustee 's Sale and Notice of Sale Summary of Key Information that states the above documents " has been sent to XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife, as joint tenants, in relation to XXXX XXXX XXXX, XXXX, Ca XXXX '' The notice of sale has never been sent to XXXX XXXX as he no longer is on the deed and he no longer lives in the area. 
The XXXX problems with the Notice of Sale are listed below in bold type. 
Carrington has not responded to this missive which was emailed to them via a HUD counselor on -XXXX XXXX XXXX does not live at the above address -XXXX XXXX is no longer a joint tenant -XXXX XXXX and XXXX XXXX XXXX are not husband and wife. 
-Carrington can not state that XXXX XXXX XXXX has received the above information as he does not receive mail at either XXXX , Ca XXXX nor does he receive mail at XXXX XXXX XXXX, XXXX , Ca. 
Thank you for your attention to this matter. 
XXXX XXXX Cc : XXXX XXXX XXXX, HUD housing counselor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our Current Servicer sent us a letter that our loan is in default and threatening legal action. We purchased a home on XXXX/XXXX/2016 mortgaged through XXXX. We were provided payment coupons that said that our first payment was due XXXX/XXXX/2016. I sent a payment XX/XX/XXXX to XXXX XXXX plus additional principal payments. A day after the payment was sent, I received XXXX additional invoices, 1 ) Loan Care and 2 ) XXXX XXXX each claiming that they were the ones I should send my payment to. I called both companies on XX/XX/XXXX and both claimed that I should pay them. I was able to get XXXX XXXX to say that XXXX was who I should pay and that the payment made to Loan Care would be transferred to XXXX. I set up auto pay with XXXX, but noticed they did not take the payment out as scheduled by XXXX/XXXX/2016. I called and was told that they have not received any funds and that I was a month past due. Consequently, they could not auto draft my payment and manually took my payment ( plus additional principal ) over the phone. I was not notified by LoanCare that XXXX purchased the loan ( on XXXX/XXXX/2016 ) until I received a letter mailed XXXX/XXXX/2016. Long story short, I have made all of my payments and am still in default on my loan facing legal action. I am also concerned that I will be paying interest on what was paid while they XXXX with the money I sent.

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 2015-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I stopped paying my mortgage XX/XX/XXXX at the advice of a real estate lawyer. My mortgage company still has not foreclosed on it. The house burned down XX/XX/XXXX. I notified them and paid them the insurance money from that. They continue to call me over and over, and every time they do n't seem to know anything about my situation. They continue to delay my foreclosure for reasons unknown to me. I think it has to do with trying to give me assistance, even though I 've declined that for years. I 'm tired of nothing happening and them not knowing what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
Since I submitted my prior complaint ; ref ( complaint number XXXX ). 
I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am making payments on a small car loan, may be running late about 20 days. The lender has called me 36 times in the last 20 days, or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc
State: NY

Complaint narrative:
I 've paid the debt directly to the clinic I 've visited before they send out the request. Simply because I did n't keep the confirmation number, they were n't able to get the record for payment and insisted me to pay again. 

I ended up paid the amount again simply because the amount is not large and the whole process is super annoying.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
XXXX 2015, my mortgage loan was purchased from XXXX by Carrington XXXX XXXX In trying to setup auto payments the direction that I was given that I could fax over my bank account information for them to withdraw the funds was incorrect. After several calls I was later told the only way to setup auto withdrew is through the mail. Thereafter my payment increase despite being on a fixed loan. I switched insurance companies and for them to reduce my payment they stated I had to call back to ask for the analysis. So for my payment to increase no action has to be taken on my part but when there is a reduction when you have lower insurance you have to request an analysis. Unfair to the consumer. In addition, On XXXX XXXX, 2015 I called to ensure my extra payments were applied correctly to my escrow and it was not despite what the customer rep. stated who took my call. Every time I contact Carrington Mortgage I get a different response from a representative. They are pleasant but extremely inconsistent and extremely unfair to the consumer. I will be refinancing to run away from this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX sold my home mortgage loan to Carrington Mortgage Company. I have been a homeowner for 20 years and have never been late on a mortgage payment until Carrington Mortgage company took possession of our mortgage loan. I use and have used XXXX to pay my bills for the last 20 years. I schedule my payments and have never had an issue. I always take advantage of the grace period for our mortgage and pay by the XXXX of each month. If I scheduled a bill to pay through XXXX on a certain date, it is always paid on that date. I was scheduling my payments for my mortgage to pay on the XXXX. That was working fine, and then one month they claimed they did n't receive the payment on time and charged me a late fee. After that, I always scheduled it to pay at least 2 days before the XXXX. Now this month I scheduled the payment to pay on the XXXX, XXXX assures me it was mailed and delivered in ample time to arrive at the mortgage company by the XXXX. I checked my bank account and the payment had not cleared and I received a call from Carrington mortgage saying my payment was due. I went ahead and paid the mortgage again so as not to incur a late fee. I strongly believe Carrington mortgage is purposely holding checks from clients who choose to use the grace period and accounting for them after the grace period ends. I am a good customer and a reliable customer. Fortunately for me, I have the extra income to make that payment so as not to incur a late fee or have it affect my credit record. I believe their procedures need to be investigated. I think they are trying to take advantage of people who are opting to use the grace period and charging late fees. I do not believe XXXX to be at fault, I have never had this issue with XXXX in the past and would like to lodge a complaint against Carrington Mortgage for purposely holding payments from those who opt to use the grace period so as to be able to charge additional fees.

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

Complaint narrative:
Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I do n't what come from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I recently contacted Carrington Morgage Services Located at XXXX. XXXX XXXX XXXX, AZ XXXX and they are refusing to remove my PMI insurance from my account. Our Property appriasals from the XXXX XXXX show our home has increased dramtically in value to {$140000.00}. Our loan amount at this time with Carrington Mortgage is {$100000.00}. Loan to Value is enough for us to have this removed. I have already faxed them a formal request to remove this and they are refusing. They refuse to ackknowledge that my home is worth what XXXX XXXX is showing. I even faxed them proof of appriasal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Principal Group, LLC
State: RI

Complaint narrative:
I have not received anything in writing. They just started telephoning me and my family over the last 2 days. 
they contacted my sister in Minnesota to try to track me downthey contacted my mother at home to try to track me downthe calls I rec 'd was a recorded message from a loud woman screaming that This is an attempt to locate the whearabouts of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
A company called MIdland Credit XXXX calls multiple times daily from XXXX I spoke to them once. They were looking for some person that does not live in my household. I told them not to call. I could not help them. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
For the last several months American Express has been applying interest to my account when there should be 0 % interest applied to this card until XX/XX/XXXX I contacted American Express XX/XX/XXXX regarding the most recent interest charge in the amount of XXXX applied on XX/XX/XXXX. I was informed that someone from Amex would be contacting me no later than XXXX. No one from Amex called so I reached back out to them on XX/XX/XXXX and was informed that a dispute was opened. I was not provided a dispute number/case number by phone or email. I contacted Amex on XX/XX/XXXX and Amex acknowledged that no dispute was ever opened. The previous XXXX months this issue was resolved in less than XXXX minutes by contacting customer service. I am uncertain why Amex has failed to credit my account as no interest should be applied until XX/XX/XXXX

Company response to consumer: Closed with monetary relief