vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I represent a homeowner who has a loan with Carrington Mortgage.  We have had a buyer in contract for over a year now.  Carrington has been reviewing our short sale for that much time as well.  Finally when I thought we would be getting the approval, Carrington closed our file out stating that we did not provide the correct documents that they required for the short sale to be reviewed.  This is absolutely not true.  I did provide them with the Deed of Reconveyance from XXXX for a XXXX lien that was satisfied over 10 years ago.  Carrington wanted a "Release Of Lien" recorded document and not the Deed of Reconveyance document that we provided them from our County Court House.  I spoke to title about this document that Carrington wanted and they told me in the Sate of Washington, we do not provide or do "Release of Lien" recorded documents for that type of lien.  ONLY a Deed of Reconveyance is given to the bank and seller for this satisfaction of lien.  Title even spoke to the supervisor at Carrington about this and told them that there is NO SUCH document when we have the Deed of Reconveyance.  Carrington did not care that even a Title officer telling them that what they already have what is legally needed to satisfy that lien.  They sill refused to work with me or the seller in getting this short sale back active in review and allow this document to satisfy this requirement.  This is absolutely not legal to hold a sellers home hostage and not allow them to exercise their rights to do a short sale when all of the required documentation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I received a message from XXXX through the Simple Support messaging system saying my account was pending closure because my account use did not meet the requirements of Simple 's agreement. They froze the account. I called to find out what happened. The rep told me " my account no longer qualified for phone support. I am going to have to end this call ''. THEY HUNG UP ON ME. I kept calling bc I could n't believe it. I called the next day and got a " this number is out of service '' message. I 've my friend call & she gets right through. They blocked my number using a fake out of service message. They blocked me from the support site with a fake " we broke the internet '' page. ( see we broke the internet vs everything 's fine attachments ) What did I do to deserve having my money stolen? Who knows? But it is not just me, I found 10 more cases. They promote themselves as being human goodness but this is the most hateful, disrespectful, offensive company ever. I could n't pay my rent I am up to {$400.00} in late fees and pray I do n't get evicted. I have another {$250.00} in late fees from my other bills. I was supposed to get a cat scan on the lump in my neck. Could n't do it. ( It 's either an XXXX or XXXX. No biggie. I have reached my limit of how much more I can take. was hit by a XXXX lb SUV while walking & got a XXXX from the XXXX and XXXX. I thought my life was calming down. I don ; t have the money for the late fees. What to hear something funny? I decided to see if I could sign up for a new Simple account. Hoping if I was rejected it 'd tell me why. Nope, I was accepted. They have also lied to the XXXX saying they could not talk to them because of my privacy rights. There is nothing in the privacy agreement that prevents them from talking or me waiving my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
my house burned I called Carrington mortgage company ( who owns my mortgage ) to ask for a payoff and how to go about paying it. Their representive told me to send check to them unsigned then they would sign and send back. I would then sign and bank wire the money to them because there was a few XXXX extra in the check. I ask a number of times to make sure I was doing this right. I sent ck overnite XX/XX/XXXX to make sure it was paid XX/XX/XXXX because the payoff would change then and they would charge me more. when I called XX/XX/XXXX to see why it was n't back they told me it had to be done a completely differnet way and that they had just put it in regular mail so it would n't be back XX/XX/XXXX. when i said but that will cost me more the Rep said oh you do n't have to worry about it there is plenty in the ck to cover what ever we will need to take .When I ask how much they r going to take they said they would n't know till the check got back to them. and refused to give me any numbers at all. When I complained because I had done everything I was told to do the mistake was theirs that I felt I should not have to pay anymore than than XXXX payoff I just keep getting suffled to some one else. I had this loan for over 6 years and paid over $ 40,000.oo yet my payoff was only {$7000.00} less than I started with

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Transferred XXXX said monies into market rate account. Frederick Hanna garnished XXXX funds. Said funds were unprotected. Only income is XXXX funds. XXXX XXXX. Court date XXXX XXXX, 2015 @ XXXX am. Help. Bank said funds do n't have to be protected once once removed from checking to market rate account. {$200.00} left in Checking Account. {$120.00} Garnishment Fee taken by Bank also. Phone ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Mortgage was sold from XXXX to Carrington Mortgage Services. My information was transferred over including my automatic monthly payments, but unlike XXXX Carrington has no way of making payments towards principal online if automatic payments are established. This means a physical check must be mailed in or a phone call must be made to make additional payments towards principal. To further complicate this issue, I was required to once again provide all of my bank information ( account number, name, routing number, etc ) despite Carrington already having this information, which is used to make automatic monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
I was charged XXXX apparently for a XXXX. Cent overdraft fee. Then the " service charge '' that ive Never been charged before kicked in, resulting in the bank pulling my rent back into my account so they could charge me this " fee '' I canceled my account and will be banking elsewhere after 20 years of loyalty ... XXXX compass!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
VA assumable mortgage. Deceased veteran ; surviving elderly spouse with only XXXX income ; out of money and ca n't make payments. Mortgage was current at time of contract. Property under contract with good buyer who requested assumption packet from mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. Received assumption packet XXXX XXXX, 2015 and returned completed packet next day. After taking about 4 weeks to review the completed assumption packet and stating that it looked complete and good, XXXX sold the mortgage on XXXX XXXX, 2015 to Carrington Mortgage. XXXX transferred assumption packet to Carrington Mortgage on XXXX XXXX, 2015, but Carrington Mortgage refused to look at the packet or initiate a new assumption packet stating, " We do n't do assumptions. '' It 's a VA assumable mortgage. Veteran 's widow called XXXX VA office to complain. Carrington finally issues an assumption packet 2-1/2 months later. Widow would have been able to pay back payments and selling fees from the sale proceeds if XXXX had processed the assumption as they stated they would do or if Carrington Mortgage had not blatantly declined to cooperate in the loan assumption process. XXXX and Carrington Mortgage delays have caused great financial loss for this widow - unnecessary financial loss. I am a XXXX filing this complaint on behalf of the veteran 's widow who seeks to have XXXX and/or Carrington Mortgage pay the XXXX or XXXX ( it 's not done yet XXXX payments that were caused by their delay. Someone from a property management company has posted an inspection page on the kitchen counter so it looks as though instead of processing the requested VA assumption, the mortgage company chose to take action to initiate foreclosure. Please note, that at the time this property went under contract, the payments were current. This veteran 's widow has been wronged. Written by a XXXX with XXXX years of active business. I know it takes some time to process an assumption, but if XXXX had plans to sell the mortgage, they should not have told us that they were only 2 days from approving the VA assumption. Carrington Mortgage certainly should not have declined to issue an assumption packet or to review the completed assumption packet sent to them by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southern Management Systems Inc.
State: NY

Complaint narrative:
According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX. 

However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either. 

They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
In 2010 my wife had medical coverage under my work insurance but she failed to pay the portion not covered by my medical insurance. Kings Credit services located in XXXX California served me court papers by mail with less than a week to respond and had placed a lien on my property. I paid the debt and they informed me that they would take off the lien on my property but failed to do so and 7 years later it is still showing on my credit report. The medical bills were not mine but my wife 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: CA

Complaint narrative:
My health insurance did not pay the claim originally because of the way it was submitted. I contacted the insurance co. And they resubmitted it and paid the claim in XXXX XXXX. I contacted the collection agency recently to ask them to contact the credit bureaus to say the collection was an error. They told me their client sent them an email in XXXX XXXX saying to continue to try to collect. I spoke with a representative on XXXX/XXXX/XXXX and they told me to fax the paid claim statement which I did. I just looked the account up online and it says I owe {$20.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
This has been going on for 2 years ... .it never gets resolved because our mortgage continues to get bought out just as we are ready to agree to a deal. We have to take my ex wife off of the mortgage. She signed a quick claim deed and I was awarded the house in the divorce. We also need to have a mortgage reduction. Our home is severely underwater and it needs to be a valuable asset otherwise why would I stay? I mine a well be renting. The point is I like my home and want to stay. My mortgage has gone up drastically over the years to what I believe were corrupt mortgage companies refinancing my loan and charging high rates ... ..my complaint is that our new mortgage company Carrington is supposed to be giving us a loan mod that our last mortgage company XXXX XXXX agreed to but sold the loan before it went through. THis was the agreement : 1. My exwife XXXX XXXX would be removed 2. XXXX XXXX and XXXX added to the loan 3. Mortgage reduced to make it a valuable asset it was appraised twice by our last mortgage company and came to the new mortgage amount of {$270000.00} We just received in the mail the new loan mod from Carrington. They DID NOT remove my ex wife 's name. They DID NOT reduce the mortgage, they just differed {$69000.00} ... .which does not make any sense, it keeps us in the same boat we were in, living in a home that will NEVER be above water. Do you not understand that we could sell it on a short sale and you would be taking a loss of probably more than {$69000.00}?? If it goes to foreclosure you would for sure lose more than that! Why would n't you want to make this right, reduce the mortgage to fair market value and let me stay in the home I have already poured thousands of dollars into? We were told by our last mortgage company that the new company would honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. 
Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
ATM card was stolen. Bank security measures did not prevent thieves draining account. Bank is violating federal law by refusing restitution. I will continue to file these complaints and proceed with legal action until bank complies with federal law reporting requirements regarding debit card theft.

Company response to consumer: Closed
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
I had an outstanding balance with XXXX ( XXXX XXXX in Virginia ). I get XXXX notification from the debt collection agency ( NCC ) with the indication of having a lien on my bank account, which took place today XXXX/XXXX/15. I believe that they have no right to garnish or freeze my acct. The following is what I read on my attorney general 's website. 
" When Can a Creditor Garnish Your Wages in Virginia? 
Most creditors can not get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor 's bill, those creditors can not garnish your wages ( unless they sue you and get a judgment ). 
There are some exceptions to this rule. Your wages can be garnished without a court judgment for : unpaid income taxescourt ordered child supportchild support arrears, anddefaulted student loans. " No court order was issued, only XXXX notification received and it does n't seem right that they processed this in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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 deposited a check into my BBVACompass account on XXXX/XXXX/16 in order to ensure that there were enough funds in the account to cover all outstanding charges. the check was in the amount of {$20.00} and was processed and paid by XXXX XXXX XXXX bank on the same day. BBVACompass put a 3 day hold on the check even though it had already been paid by XXXX. The end result was that BBVACompass charged an NSF fee of {$38.00} when in actually there should have been sufficient funds in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
I was contacted by XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments.

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