vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage company transferred my loan to another lender and because of the transition they took out a payment for my PMI Insurance ( for XX/XX/XXXX ) in XX/XX/XXXX. The amount is {$200.00}. In the mist of all this, I refinanced my home through another lender. They paid off the loan XX/XX/2016. There is an escrow refund owed to me that does n't include the {$200.00} ( PMI Insurance ) they are suppose to give me for XX/XX/XXXX. I called multiple times and they said the PMI was due XX/XX/XXXX therefore they will not refund me the amount. Why would I pay PMI Insurance for a loan I do not have with them? Its like selling your car and still making the car insurance payment. I would like my {$200.00} refunded for XX/XX/XXXX. They had no right to take that money out a month in advance.

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 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Our mortgage has been transferred again in XXXX 2015 from XXXX XXXX XXXX , XXXX to LoanCare, LLC XXXX XXXX, VA today I called to have the due date changed back to the XXXX of the month. I was told the company does not change due dates. So this means my payment will be reported to the credit bureau as being paid late, and lower our credit rating. The reason I ask for the due date to be changed back to the XXXX is because my husband gets paid once a month and it 's on the first day of the month. We always set up our payments for after the XXXX of the month to avoid being late on payments. It looks better on the credit report and a better credit score for better interest rates on loans. I just can not believe this or any loan service company can put our credit at risk like this. We work hard to have good credit and now LoanCare is going to hurt our good rating as they will not work with us on moving the due date back to the XXXX of the month. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: GA

Complaint narrative:
The collection agency, F Hannah, XXXX, GA began a wage garnishment without proper notice, proper verification of debt, and without verifying ownership of the debt. I found out about the garnishment by mail from my employer, 5 days before it was to take effect. I finally received a letter by regular mail on the date it took effect, XXXX/XXXX/16. I filed a traverse, however the judge XXXX XXXX of GA State Court, XXXX County, Ga, showed bias to the plantiff, and ignored the GA State Code requiring delivery signature to be filed with the clerk of court within 3 days of filing the garnishment. He denied the traverse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I received a notice dated XX/XX/2016 from XXXX notifying that they made a claim for payment on the FHA mortgage insurance. The notice also stated that FHA sold my mortgage loan to XXXX and that Carrington Mortgage Services, LLC ( " CMS '' ). 
The notice further stated that as a result of the assignment of my mortgage to HUD, the payment by FHA of the FHA mortgage insurance claim and the [ mortgage insurance ] was terminated and not further premiums are due by me. 
I have been experiencing financial hardship so on XX/XX/2016, I completed the CMS 's Request for Mortgage Assistance ( RAM ) package seeking to modify my current mortgage loan. 
On or about XX/XX/2016, I received a Trial Period Plan Agreement letter dated XX/XX/2016 ( " TTP Letter '' ), whereby the following modification was offered : TTP Schedule TTP Amount Due Date Good Faith Payment {$10000.00} XX/XX/2016 1st Trial Payment {$2100.00} XX/XX/2016 2nd Trial Payment {$2100.00} XX/XX/2016 3rd Trial Payment {$2100.00} XX/XX/2016 The TTP Letter further states that once the Trial Period Plan begins, if I do not meet the terms of this Plan and your are not eligible for any other loss mitigation option, CMS may, without further notice to me, terminate the Plan and commence or continue collection and/or foreclosure proceeding according to the terms of my Note and Security Instrument. 
On or about XX/XX/2016, I have received a Notice of Intent To Foreclose dated XX/XX/2016 if I did not pay {$160.00}, XXXX. 
The Good Faith Payment in the amount of {$10000.00} is tantamount to a down payment in order to get a loan modification. CMS knowingly and purposely offered a trial period plan that failed to modify my monthly mortgage loan payment to an affordable amount in order to avoid foreclosure and is demanding that I pay down payment of {$10000.00}, which I clearly can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In the early part of XX/XX/XXXX we changed insurance companies because we got a better rate by combining our homeowners with our auto insurance. We prepaid the premium, cancelled our old insurance and notified Loancare. We asked them to remove the old insurance from our mortgage escrow payment since we now pay it directly from our bank account and sent them proof of coverage. They refused to accept our mortgage payment unless we also included our old insurance premium even though they have the verification of coverage from our new insurance. We are currently a month behind in our mortgage because of their refusal to follow through. We have repeatedly called with no results. We were told a supervisor was not available but we would be called back. We have not been contacted but have been told several times that our problem was being reviewed.

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 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Opened new mortgage with BBVA Compass in XXXX first payment was due in XXXX XXXX. By my calculations my amortization is off. They are showing a balance of {$55000.00} and I am showing the balance should be {$54000.00}. Therefore charging me more interest that what I should be paying. I have been on auto debit since day one and have never been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: Armada Corp.
State: WA

Complaint narrative:
I was billed twice the normal amount for a XXXX and way overcharged for a consultation for the procedure. My insurance company would have paid all if their billing department would have billed it as my normal 10 year check up. For some reason they would not. I asked for it to be fixed they turned it over to collections. I asked to speak with the doctor about his excessive bill and he would not discuss with me. That bill was also turned over to collections. I told the collection company that i was disputing the bill by letter. They still sent the information to the credit reporting agencies. My credit has been damaged.

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 2016-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
We had a leak in our kitchen and after 7 months of dealing with the insurance company and being hospitalized due to the stress from dealing with the situation we were able to make a settlement with the insurance company. We received s check for XXXX from the insurance, which we signed the check over to Carrington Mortgage, they then without a problem sent the check back to us. We then received a check for XXXX and another XXXX for XXXX. At that point they decided to make up a policy, which they never had prior to this situation, to hold on to the checks and said that if we were to receive the additional checks, we would have to send them estimates, proof of work being done and that their inspector would have to determine whether a certain percentage of the money could be released. Well we sent all the necessary documents to their " loss and draft department ''. Unfortunately every time that we try and contact them they can neither find the paper work, they put me on hold for 30 minutes to an hour, no one seems to know anything, or they find any and all excuses to not release the checks. The work is being done all we need is the money to finish the kitchen and pay the contractors. They are not entitled to these checks. We have already spent XXXX paying for the cabinets, we also paid for a new dishwasher, a new sink, several things that were necessary that the insurance company did not want to pay,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
The company LoanCare LLC failed to pay my property taxes in a timely manner.

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 2017-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My complaint is with Loancare, XXXX, VA. I made my payment using XXXX 's Auto Bill Pay, so it was an electronic funds transfer and XXXX has verified that Loancare received my payment before the deadline of the grace period. But Loancare sat on my payment for 2 days before they posted it and they are now trying to charge me a late fee. 
So I called Loancare about the delinquent notice they sent because it was dated the day after XXXX 's proof of payment date. I had to verify my identity on Loancare 's automated attendant/phone system, and it retrieved my payment information stating that my payment was processed on the XXXX, which is the last day of the grace period so I should n't have received a late fee at all but the delinquent notice is dated the XXXX. So I transferred to a customer support person who told me my payment was processed on the XXXX. They ca n't even get their dates straight ; the delinquent notice, automated phone system, and customer support all have different dates. I asked to speak with a manager and they refused saying I 'd need to submit my complaint in writing. So they do n't even want to work with me on this issue - they are the worst!

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 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My home mortgage loan servicing was changed by lender to LoanCare in XX/XX/XXXX/ XX/XX/2016. I did not received any mail package from LoanCare as the new loan service company providing the information of new account number or address for making monthly payments However the old mortgage company sent me a letter that LoanCare will be the new loan servicing company. on XXXX/XXXX/2016 I sent out first payment using old account information. I hope that I will get monthly statement or other info from LoanCare in mean time. LoanCare will call and leave message, when called back, the system will ask to put in LoanCare home loan number ( That I never received ) or full social security number. To protect my identity, I could not punch in Full social security number. No live person could be reached untill I provide my full social security number. 
On XXXX/XXXX/2016 I received the payment overdue notice from LoanCare that had necessary account information. I sent payment to LoanCare electronically through my bank ( XXXX XXXX ). 
Now I had my account number, I called LoanCare, they admitted their mistake and wave-off the late fee. 
Around XXXX XXXX, 2016 I needed home equity loan, the lender pulled my Credit report, It had late payment record by LoanCare, citing that reason they declined to lend me money. 
LoanCare is wrongfully reporting late payment ( by 30 days ) on my credit report. 
- Payment was late by 12 days because of fault of LoanCare for not sending me mail package for new payment details. Payment was sent on XXXX/XXXX/16 instead of allowed upto XXXX/XXXX/2016. 
- For Mortgage Loans, the payment can not be assumed late for first two months ( 60 days ).

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 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
This has been going on since XX/XX/XXXX, when we received a statement that our escrow account would be short almost {$2500.00}. After doing some research we found that our hazard insurance premium jumped from {$700.00} a year to {$2500.00} a year. So we contacted the mortgage company to let them know that we would be cancelling the original insurance company with XXXX and selecting a new one ( all done on the same day actually ). They said fine the insurance company would send a credit to escrow account for the prorated portion back. They sent us the check directly we called loan company and they said to make two separate payments. One for our Monthly Mortgage and one for the escrow account ( {$1800.00} ). We sent that to them on XXXX/XXXX/XXXX for the {$1800.00} to go into escrow to cover the new insurance policy plus a {$400.00} " fluff '' they told us to include to keep our escrow from falling short. Since they received the escrow money back from us they have misapplied it so many times they now can not account for where of it is currently ( as of XXXX/XXXX/XXXX ). They paid our property taxes a month late this year and paid our hazard insurance a month late this year that is all they paid out of the {$1800.00}. They also miss applied our mortgage payment that month which reported to the credit bureau as late. We were told that it 's not their fault the escrow account is short and that they correct all the miss applied money, when we questioned the remaining balance that should be there she said she could n't account for it. She then told him that they did n't account for the new hazard insurance so they {$900.00} shortage is their fault but we have to pay yet again. HOWEVER on XXXX/XXXX/XXXX they sent us the statement for the escrow WITH the new insurance amount on it. She tried to tell us that we can split the now {$900.00} escrow shortfall over 36-48 months, we denied. Now our payment went up. Our statements make no sense. We have put {$4500.00} into escrow and can not account for where the money has gone. My PMI payment keeps changing and they keep applying additional principal payments on top of our regular payment. So many reverseals ad disbursements it 's so 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 2016-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: DE

Complaint narrative:
In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. 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 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Armada Corp.
State: CA

Complaint narrative:
In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: GA

Complaint narrative:
my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
Loan Care was servicing my mortgage for The XXXX XXXX who I have my mortgage with. Apparently, they severed their relationship and a notification was sent out that the address had changed to where I was to send my mortgage payment. I did not receive the correspondence and have continued to pay my mortgage electronically through my bank. This month XXXX XXXX 2015 ) I received a collection call from The XXXX XXXX for XXXX 's payment. I paid my mortgage payment on XXXX XXXX, 2015, and because of these XXXX companies terminating their relationship my check was cashed by Loan Care and they will not release my funds until I provide them proof of payment from my bank. How can an organization XXXX Loan Care XXXX cash a check that they knowingly shouldnt? Shouldnt they reject the payment? Now, I must take my time to fix these XXXX companies issues.

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