vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
My loan was apparently sold from XXXX XXXX to Loan Care XX/XX/XXXX. I have for the last 25+ years had my taxes escrowed and received the check XX/XX/XXXX to pay them before XX/XX/XXXX. At XXXX time I contacted Loan Care and asked about my check for taxes. They were going to look into it and get back to me. I again called before the first of the year and they told me they were waiting to receive the tax bill from my municipality Treasurer. I spoke with him and he said that was not a true statement and I was the only person they send the bill to. I again called them and they again said they would look into it and get back to me. Again, they never got back to me. I called after the first of the year to get the same song and dance from them. This time I wrote down the persons contact number and she said I had to send a request to change my escrow because it was marked to be paid to me XX/XX/XXXX. I talked to my mortgage lender that I does my financing and he said in his 20+ years he has NEVER checked box XXXX to have anyone 's escrow paid in XX/XX/XXXX and they were lying with the statement they gave me. I did send the email requesting they change my escrow to be paid to me in XX/XX/XXXX and I have a copy of it. They were to get back to me and of course they did not. 
I filed a complaint with the XXXX on this company and I was told that they would respond again within 10 days, that was now over three weeks ago and I have not heard a word from anyone. After talking with an attorney, I was recommended to contact you about my situation. My mortgage lender told me he was getting several complaints from others who had the same issues with the same company " Loan Care ''. 
I have busted my XXXX to maintain a perfect credit rating even with the divorce I went through three years ago. I had to personally pay nearly {$3000.00} in taxes out of my savings to avoid being delinquent this year. I have still not received a phone call or a check from Loan Care and they also have my insurance in escrow so I can just imagine how that is going to play out next month. I hope you can go after these people and fine the XXXX out them for what they are doing to the consumer. Please help me get my money back from them and I hope you can put an end to their unethical practices! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received a XXXX for $ XXXX from my Mortgage lending company regarding a home owners insurance claim for year XXXX. XXXX is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. 

US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. 
My ex husband use to be on this loan whom claimed bankruptcy in XXXX. " I '' did not file and I have never missed a payment but US Bank claims they can not call, email me, etc. because of bankruptcy which was discharged in XXXX. " I '' have been advised by US Bank to request the Bankruptcy to be reaffirmed. I have repeatedly told them, " I '' can not reaffirm something '' I '' did not file. US Bank has treated me unfairly and rudely since the XX/XX/XXXX filing even though they have received every penny in which I owe them and on time. I feel US Bank will not look in to IRS question above simply because of this bankruptcy which has not affected US Bank in any way. 
I am looking for answers on the XXXX I received, as i believe it is in error.

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 2017-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged XXXX NSF fees by BBVA compass bank and they placed these charges on my account discriminately and did not post these fees as the charges posted. I requested all XXXX NSF fees reversed and the bank refused and only credited/refunded XXXX of them. Futhermore they charged these NSF fees after XXXX deposits were pending on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Compass Bank took {$7500.00} UNAUTHORIZED out of my XXXX XXXX checking account on XXXX XXXX, 2017 to pay towards my Compass bank Credit card which had a XXXX balance. I paid it off on XXXX XXXX, 2017. I have contacted them 4 times, each time being told it would take anywhere from 3-10 business days to give it back to me. They refused to give me a cash advance without interest or fee to cover it. This was asked for by a banker from a branch I went into yesterday. That is a LOT of money, and I need it back in my checking account. They basically stole it from me. They have acknowledged that is was unauthorized. HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Without notifying me, BBVA Compass closed both of my accounts and withheld the funds previously contained therein. I later learned that they had done so based on derogatory information received from XXXX XXXX. BBVA Compass did not provide any notice as to their use of this information. 
BBVA Compass also held and restricted my access to the funds taken from the closed accounts without notifying me. BBVA Compass would have held the funds indefinitely if I had not acted in a way so as to regain control of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
It has been XXXX nightmarish episode after another with bbva compass bank. This bank organization seem much more interested in find a way to levy hefty and generous fees and giving away my money, than any thing else! It was XXXX consumer episode after another. I have been completely unhappy and felt abused in dealing with this organization. I plan on filing complaints with my congressional representatives and whatever federal agency I can find. This organization wants to engross themselves on the backs of the hapless and poor. Which I feel is very discriminatory in nature. Having money in accounts with this organization has been like putting gas into a car while it has holes is the gas tank. I will also be looking into hiring a legal firm to look into these business practices at this banking organization. There are probably a lot more small accounts that are suffering a the hands of this bank. I feel that this bank operates in bad faith and has been gross negligent with my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have no knowledge of this dept

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
In 2014, I lived for a year at XXXX XXXX ( XXXX ). After moving out I was asked to pay for carpet replacement. The carpet was not in a good condition when I moved in and I was surprised they expected me to pay for brand new carpets when there werent new carpets when i moved into the apartment. I tried to explain and reason with them to no success. They have since reported me to collection and placed a derogatory mark on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I had a Home Mortgage with XXXX XXXX XXXX and became delinquent due to loss of income and my divorce. I was working with XXXX XXXX XXXX until my loan was transferred and they refused to continue the conversations and referred my to the new Servicer, Carrington Loans. They gave my numbers to contact Carrington XXXX. I have attempted many times and Carrington says they do not have my loan. I have not received a. loan transfer letter or anything in writing to advise me of my new loan # or their contact information and when I call Carrington Mortgage they say they do not have my loan. I am now in foreclosure with a sale date. I have not had appropriate communication from Carrington nor been offered HAMP or other options to allow me to explore those options. Last call made XXXX/XXXX/2015 at XXXX XXXX ( EST ) and they again stated they could not find my loan and then transferred my to their loan resolution department where I was disconnected. This is one of many times since I received foreclosure notification that I have attempted to contact Carrington and always wait and wait and get disconnected. I DO NOT HAVE NOR HAVE EVER RECEIVED MY CARRIINGTON LOAN # and they continually refer name back to XXXX XXXX XXXX who states they service transferred the loan in 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. 
Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I unfortunately have my mortgage through LoanCare LLC. We bought our home in XXXX. This company did not pay our taxes in XXXX, and we had to call multiple times to have them pay in XXXX. Well our XXXX tax statement comes out and low and behold only our XXXX taxes that were paid are in that statement. We should have a statement with both XXXX and XXXX taxes that were paid. I have reached out to them 4 times with this issue and no resolution. It has been " sitting '' with the tax department for the last month and a half and nothing has come of it. The customer service reps are rude and nasty and just through you around in circles.

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 2016-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
In XXXX 2015 I applied for a mortgage with Carrington Mortgage. I had an accepted offer on a house and the deal fell through because Carrington did not act in a professional manner and continue to act in an unprofessional manner. Recently I was asked for the same information only to be told that I MUST provide pays tubs although I am self-employed. I know that that is untrue. I feel as though I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: TX

Complaint narrative:
I see that the CFPB has already fined Residential Credit Solutions ( RCS ) with a {$1.00} XXXX dollar fine for illegal mortgage service practices. It seems that RCS has committed the same practices on me. On XXXX/XXXX/2015, I received a letter from my previous mortgage loan company, Residential Credit Solutions, that I was NO longer required to pay Private Mortgage Insurance. Per a recorded conversation with them, it was confirmed that the PMI was cancelled on XXXX/XXXX/2015. However, I continued to be charged PMI in the form of Escrow. I faxed a copy of my complaint along with their original letter to RCS. I received a reply from RCS wth a confusing breakdown that they supplied. Their response as to why I was no longer required to pay PMI, but, NOW have to pay Escrow was not satisfactory, nor, reasonable. Months later, my loan was sold to XXXX. XXXX continues to charge the monthly escrow. I will attach documentation to support my claims with this complaint.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX. I applied for a refinance Mortgage loan at U.S. Bank. I was told that I could combine my XXXX mortgage loans into XXXX if my house appraised at {$200000.00} dollars. I applied on XXXX XXXX, XXXX for the loan. This process continued until XXXX XXXX, XXXX that was the date that I received an adverse action notice, citing the value of collateral as reason for my denial. I take issue with the appraisal itself, and the delay of receiving a prompt credit decision, despite several contacts with lending personnel requesting their decision over the months this process took. 

I think this constitutes clear violations of the Equal Credit Opportunity Act timing provisions, and is indicative of a larger problem with US Bank, where MANY other applicants could have been treated in a similar manner. Judging by the lack of concern about timing of adverse action among the bank personnel I encountered ( they seemed oblivious to the length of this process and that there was anything wrong with it ). I am a minority applicant with a long time on my job, excellent credit, and a home in a area of the city that is still appreciating ( a few blocks away from the XXXX XXXX ). I would also contend that the appraisal itself ( conducted XXXX XXXX ) was biased in that it only took comps from the neighborhoods XXXX of XXXX XXXX My property ( XXXX XXXX XXXX XXXX is city blocks XXXX of XXXX XXXX, which is a dividing line for where the majority of economic development and housing appreciations in the area is taking place. 
The appraisal came in late XXXX, had errors in the comps that it showed XXXX XXXX address being twice ) and in the wrong place. At that point I was told the value of my home was {$170000.00} and a loan officer texted me a counter, involving me purchasing PMI if the refinance was to proceed. Frankly I do n't believe it is possible to sell a finished home with garage for so low an amount in this neighborhood ( it would be bidding war that would take it over $ 200XXXX ). I was not happy with that offer and clearly told them I was not interested in that scenario. No subsequent appraisals are evidenced in the loan files, they stuck to whatever value their part-time appraiser came up with and never budged over the 4months I was simply requesting the credit decision in writing. I have other documents including my copy of the appraisal and the adverse action notice ( received XXXX XXXX ) available upon request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
At branch located in a grocery store XXXX MN on XXXX XXXX 2016 I help my kid set up a student checking account. The Branch Manager XXXX XXXX. asked if I would like to open a new credit card. I said no and explained I just opened XXXX a couple of months ago and that I was good with that XXXX. I received a letter dated XXXX XXXX that my application was denied because of gross income. I went back to the branch and questioned the manager and she agreed I declined a new card but said it would have only been a soft hit on my credit report. She said she would get back with me. After some time with No response I contacted her boss XXXX XXXX. He asked me to send documentation and a notary. He said he would take care of it. As of today it is still on my credit report under XXXX. I have attempted to contact the boss this week with no response so this is now my third step to solve and issue the US bank caused.

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 non-monetary relief