vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
To say we are frustrated is an understatement and after reading the comments on your site, we are even more frustrated with the company ( Loancare ) that purchased our mortgage. So, I am taking all the emotions out of this letter and putting facts only. 

Me and my wife were both unemployed, but continued to make our payments ( though they were late, we were never 30 days past due and all late fees were paid ). For our XX/XX/2016 payment ( still behind one month ), I made out a check and mailed it to XXXX ( our servicer at the time and having no idea our mortgage servicer had changed to Loancare ). That evening I told my wife I had sent the payment and she told me it would not be there on time so she immediately did an online payment to XXXX ( posted XX/XX/XXXX as the payment due XX/XX/XXXX ). We stopped payment on the check and contacted XXXX to let them know what we had done. 

Loancare became our servicer and everything was fine. It appears the check I sent, was posted on XX/XX/XXXX as a Modified Coupon Payment ( this would now appear to make us current, but we were not aware they tried to post the check we told them was no good ). Not knowing this, we made the XX/XX/XXXX payment on XX/XX/XXXX. We setup the automatic payment and it paid the XX/XX/XXXX payment on XX/XX/XXXX. 

While doing our balance, I noticed our XX/XX/XXXX house payment had not cleared so I contacted Loancare. No disrespect, but the lady was very hard to understand and seemed almost angry that I would contact them since it was " my fault '' for the check. I asked why my automatic payment was stopped without my knowledge and she said it stops automatically when you are behind. This made no sense to me, why would you stop an automatic payment? I tried to explain that we had contacted XXXX about the check, but she would not listen. I immediately made the payment XXXX and after moving other funds around, made a second payment, XX/XX/XXXX ( with late fees ), to make sure we were completely caught up. 

Though I feel there are a lot of issues here, my main issue is this, our automatic payment would have maintained our account in good standing ... Loancare is the one that stopped it, not us. Since they stopped the automatic payment, it should not affect our late payment pasted 30 days. Also, this was three months after we had contacted XXXX about the stopped payment check. 

I did send Loancare a request for help on their support email, but to date have not received a response. 

We have worked very hard to maintain our credit so we are simply asking that the over 30 days late be removed from our credit report. 

Thank you for any assistance you can give us. 

Respectively, XXXX and XXXX XXXX

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 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
I requested a due date change to avoid additional late fees and negative marks on my credit and was told that it was approved on XXXX/XXXX/16 but was informed that it will not be approved on XXXX/XXXX/16. I also requested assistance when I was unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX was authorized on XX/XX/XXXX for XXXX XXXX on XXXX, it was a one time charge, and when it was processed there were ample funds to cover this charge. I see that it 's now showing up on XX/XX/XXXX, well past the posting date causing an invalid {$38.00} NSF fee. I request that this overdraft fee be removed. Furthermore, an XXXX charge for less than one dollar is completely ridiculous. Per the terms on overdraft, The NSF charges described above are applied for processing items presented for payment against insufficient funds ( NSF ) with a maximum of XXXX charges per day. This payment was presented on XX/XX/XXXX, therefore the NSF is invalid. 
In XXXX 2016, I filed a complaint against this company because I thought that as long as my posted ( Cleared ) balance did n't drop NSF than I would n't get charged a fee. However, what they sent CFPB and me, it 's based on when the card is swiped, not the posted balance. Now after a conversation with them, they are changing and sending me a fee for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Loan Care did not pay my XXXX county taxes in a timely manner ( despite having the money in a timely manner ) resulting in additional tax charges. I contacted Loan Care about this issue and they did not respond. I have now had to pay the tax bill to avoid late fees and request reimbursement for this payment from Loan Care.

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 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
I am writing this letter because for years I have been back and forward with my mortgage company over my payment history. The loan that I have with Carrington Mortgage, I have made complaint with the XXXX, and in the dispute going through them they stated that there was nothing more that they could do, but advise me to go further on it. There are a lot of complaints on the company similar to my situation. I modified the loan and every since I have had problems even with it, it seems like around the first of every year it they say I owe them a lot of money. I have constantly been going through receiving intention of foreclosure letters and once the company sent me a check back. Now, I have noticed some miscellaneous charges on my account. I have always sent money whether I was working or not. The company also have placed on my credit report that I have filed bankruptcy with them. The information is false I never filed bankruptcy on Carrington Mortgage. I have even had representatives to tell me that I am on a adjustable mortgage, which is not true. I need someone to please help with this. The mortgage company for some reason when I send money they will place it in a suspense account and not apply everything to the loan and when they state that loan late there is still amount in the suspense account. I have used all resources in paying my mortgage, even though the company states if not working I can contact to set up something to help for the hard times, but that does not seem to help, because I tried once when I was unemployed to receive help. This was done before I finally was approved to modify the loan, which I was put through if my ex- husband did not sign they could not do it, but in their rules it stated that if divorced and other things was an exception to that which I was divorced and I and ex was not on speaking terms. I received in my mail today a letter stating that your home is at risk of foreclosure. A non-judicial foreclosure may be initiated 10 days from the date of this letter. The mortgage company right now is stating that I owe {$3300.00}, which they never can explain to me how. I am constantly sending in a payment on mortgage. I even question if a payment was misapplied somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was told on XXXX XXXX, 2016 that my checking account at BBVA Compass Bank was being closed due to an unrelated issue and I agreed. I inquired as to the procedure to cancel a direct deposit and was told to contact my employer directly as no further depozits would be accepted into the account ; which I did the same day. Unfortunately the deposit came thru anyway due to insufficient notice time to cancel the deposit and reroute to my new bank. Once the deposit initiated, BBVA allowed the deposit to be placed into the supposedly " closed '' account but still refused me access to any money, although clearly the account had not been closed, now they are telling me that the account has been frozen for three weeks. this is clearly not the case as I have been able to log on BBVA 's online and mobile banking on my phone as well as continue to call into the customer service and access my balance over the phone thru the automated as well as thru speaking with a customer service agent. If the account has been frozen, no entries into or out of thean account would have been allowed and the direct deposit ach would have been rejected back to my employer. My employer even attempted to retrieve the deposit back and was denied stating that the money was not there and I have written confirmation of this. As of today, XXXX XXXX, 2016 I am still being lied to regarding the status of this account as well as being lied to about a check being process - along with being able to view the money in the supposed closed account as an active account would show, my access to transfer or remove the money has been supended. Because this is my paycheck money and only a partial payment ( I only get paid monthly as a XXXX ) and now am being forced to wait until XXXX XXXX, 2016 to receive my next pay deposit ( into the correct bank account with XXXX XXXX ) - this situation is causing me undue financial harm, my bills are going unpaid because BBVA Compass is an unscrupulous bank who has thus far been totally unresponsive, or has told lies/untruths about the whereabouts of my money. I am asking that a formalcomplaint be opened against BBVA Compass Bank asap. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 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 was charged an excessive amount of fees on my account and im not sure why i was charged these fees my account seem to be comprimised and i sent a message over to a online rep and was told that they were going to reverse the fees but im not opted into any overdraft courtesy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I received a letter from " LOANCARE '' that I owe them a total of {$3500.00} and late fees of {$54.00} ''. This is news to me because I have made all my payments to " XXXX XXXX XXXX '' which is the company I refinanced my mortgage. If the loan was sold or passed down to LOANCARE, then the most common sense thing would have been to one ( 1 ) XXXX XXXX XXXX should have stop accepting my payments or two ( 2 ) transfer the payments to the current loan holder LOANCARE, or Three ( 3 ) notify me by mail or by phone. None of which happened, instead I 'm receiving threating letters from LOANCARE that I 'm delinquent on my mortgage and I owe them late fees. I have never been late on my mortgage since refinancing my mortgage with XXXX XXXX XXXX, and I should be a month ahead of my mortgage payment and I should not have to pay any late fees.

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 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: IL

Complaint narrative:
violators of fcra, fdcpa, and tcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: GA

Complaint narrative:
I 've been getting daily automated phone calls from XXXX ( XXXX XXXX XXXX for XXXX XXXX (? ) for the past week or more. More than half the times I 'm called I do not receive a message. The automated voice system also does not allow me to remove myself from whatever it is without staying on the line and " acknowledging '' I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! 
Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
ARS has been reporting unverified information to my credit reports. I have requested documents and they continue to refuse to send it or remove this information from my reports I have request this information by mail multiple times XX/XX/XXXX and XX/XX/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 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX and they transferred my new loan to LoanCare LLC. As I am accustomed to paying my mortgage ( previously with XXXX XXXX ) online within the grace period ( up to the XXXX of any month ) usually around the XXXX, I make a one-time bank transfer each month and never was charged any fee to do so. Today I find out that LoanCare will charge me a variable fee for this monthly ACH transfer and the fee is based on when I make my payment EVEN within the grace period. Fees are XXXX-XXXX day of the month, no fee ; XXXX-XXXX of the month {$7.00} and the XXXX-XXXX of the month it 's {$10.00}! I find this egregious, unfair and punitive, it 's punishing me for making my own decision on when to pay them and I should be able to pay up to the last day of the grace period if I choose without paying a tiered fee, or any fee for that matter for a simple ACH bank transfer. I do n't know if other loan services do this but I have never seen this before and have refinanced a few times in the last 6 years and no services made me pay these fees. Hope you can help me as I am stuck with this company unless I refinance again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
I filed for bankruptcy. I got a discharge of my debts. US Bank is my mortgage holder. They refuse to report that I have a mortgage to the credit reporting bureaus. They also wo n't release my mortgage statements for the last three 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 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Reoccurring problem from a prior complaint on XX/XX/XXXX that i filed against US Bank where the services that i have signed up for like text and email alerts on my account balance for when it drops below a certain dollar amount do n't ever work until my account is in the negative for hundreds of dollars.

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 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have a checking account at US Bank in XXXX, Oregon. I live only on Social Security. I am XXXX years old and I forgot to record an automatic transaction from my checking account. I was then notified that I was overdrawn. I planned to take care of it as soon as possible but the bank accumulated late fees daily for 16 days and charged me {$600.00}. They new it would n't be covered until my next Social security was deposited but still tacked on unbelievable fees.. I explained the situation at my local bank and the manager would n't relieve these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
We have our car loan through US Bank. Every month we pay the note through Bill Pay at our bank which is XXXX. US Bank called us three weeks ago to tell us we are late. We conferenced in our bank. Our bank faxed a copy of the check they sent them which was endorsed and deposited. Three weeks later, US Bank is still dunning us even though they do note our account is being researched. Twice my bank talked with US Bank to show that the payment was received and deposited. I have a very good credit score and fear their ineptitude will mar it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX/XXXX/XX/XX/2015 I discovered that XXXX prepaid debit cards that I had purchased had been used by someone to make small fraudulent charges. I reported this to USBank. The cards were deactivated to prevent further fraudulent charges. When they were deactivated, the money I had placed on those cards were also made unavailable. I was instructed to fax information into the disputes department so that I could go about getting my money ( {$400.00} ) refunded ( fax included - proof of possession of cards, receipt for purchase of cards, my contact information ). On XXXX I called inquiring about status and was told to call back after 10 business days had passed. On XXXX I called and was told I 'd need to call the fraud department the next day. Today, XXXX I was told that I never needed to send a fax and that I would need to wait to receive a letter in the mail. Then after sending back the letter, i would need to wait 45 days for an investigation before my funds are returned. I asked to have my funds that were remaining on the cards but not in dispute returned to me immediately ( approximately XXXX ) while waiting for the disputed charge ( approximately XXXX ) to clear. This set off a maze of phone calls and conflicting information from representatives about the current status of my dispute and how long it would take for me to receive access to my funds. At this point it is unclear whether USBank is even appropriately attempting to remedy this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief