BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX originally had my mortgage and sold it to Carrington Mortgage Services. Back in XXXX XXXX, I received a letter from Carrington stating they were going to place lender coverage on my property because my HO6 ( condo homeowners insurance ) was cancelled. I spoke with XXXX and they sent over the insurance declaration page, along with a bill to Carrington ( they escrowed for taxes and insurance ). Fast forward, XXXX XXXX I receive another letter from Carrington stating they were going to place lender coverage on my property because my HO6 insurance had been cancelled. I called XXXX to ask why I was receiving this letter when I thought it was taken care of 9 months ago. XXXX stated they sent the bill to Carrington, and it was never paid. On XXXX/XXXX/XXXX I contact Carrington to let them know of their mistake ; and XXXX will not underwrite another policy for me because the property has been uninsured for over 6 months. Basically I am told by companies that I am uninsurable. I tell Carrington supervisor ( XXXX ) to place the lender coverage and reimburse my escrow account the difference ; because the XXXX coverage was {$370.00} annually compared to their coverage of {$800.00} annually. He tells me he needs to research this, and will give me a call back. On XXXX/XXXX/XXXX, I finally receive a call back from Carrington, stating they will need to further research, but I will need to find a company to place coverage, and than they will look into reimbursement. I let Carrington supervisor ( XXXX ) know that is impossible because I am considered uninsurable now, and they need to fix their mistake, and I will be reporting them. She lets me know that she will inform department about my dilemma, do some additional research, and get back to me. Meanwhile, my condominium ( which is a rental property ) has been uninsured since XXXX XXXX, and there is no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX, I attempted to use my credit card and was denied. I called up Compass Bank and was told there was a hold on the card as there was fraudulent activity on it. Since then, over 3 months later, the charges and accruing interest have not been removed despite phone calls and repeated visits to the bank. 
The excuse used is that I have to dispute the charges, despite Compass knowing they are fraudulent as they told me about the dubious charges in the first place. I have requested numerous times a hard copy of their dispute form and so has my banker, all to no avail. 
What is particularly galling in all this is that Compass Bank is well aware that these charges are fraudulent and yet refuse to remove them from my credit card. 
Only one banker has bothered attempting to help me, the rest of Compass Bank customer service has been abysmal bordering on contemptuous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21
Company: NCC Business Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This started with a dispute with a leasing company ( XXXX XXXX ) that claimed that I owed them money. They threatened legal action but instead went to a collection agency NCC Business Services , Inc. NCC sent a collection notice in the mail and I requested that they send proof of what they claim I owe. They in turn began to call me at home and work so I requested that communications be done through correspondence. After that I received a final bullying call to my cell phone and I reminded them to send a letter, instead they attacked my credit and reported negatively to credit agencies. I have yet to receive proof of what they claim I owe but somehow they have the right to tank my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a payment yesterday XXXX XXXX, 2016 to Loancare from my XXXX and XXXX online banking account ( XXXX ) in the amount of {$2200.00}. My loan number is XXXX. The confirmation number for the payment is XXXX. I checked today both online and on the phone with Loancare and they have no record of having received this payment, and thus the money seems to have disappeared. Under normal circumstances, I would be more patient and wait, but XXXX ) my loan is being transferred from Loancare to XXXX effective tomorrow, XXXX XXXX, 2016 and XXXX ) Loancare has failed to issue a statement reflecting my XXXX XXXX, 2016 payment for {$2200.00} ( see co-pending case # XXXX ). Therefore, I fear that something bad could happen and am very concerned about the whereabouts of the {$2200.00} paid on yesterday XXXX XXXX, 2016.

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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I issued a check for {$770.00} which was lost in mail. On XX/XX/2021 I noticed that the check was cashed by my bank without any endorsement at the back of the check. The payee never received or cashed the check. I notified the bank on XX/XX/2021. Although the check was cashed, XXXX XXXX from the bank told me that they will stop the payment. On XX/XX/2021 I called the bank again and XXXX XXXX told me that the check was already cashed they can not stop the payment. She promised to send me a form to fill out and return it to the bank for processing. I waited one week but the form never came through. I went to my Chase bank branch in XXXX, CA and filled out the form. My bank branch faxed the completed form to the main office and showed me that it has gone through. I called the Chase bank fraud department on XX/XX/2021 and they claim that they never received the completed form faxed by their branch in XXXX, CA. They asked me to go to the branch and tell them to fax it again. As of today ( XX/XX/2021 ) I have not received the form they promised to send me from the main office. They told me it will take 60 to 90 days to resolve the issue. I am sick and tired of the bank 's behavior and mishandling the documents. If there is no endorsement at the back of check as to who cashed the check, why the bank will disburse the funds from my account. CHASE BANK HAS A LOUSY SERVICE WHEN IT COMES TO TAKING CARE OF THEIR CLIENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XX/XX/XXXX the State of Illinois has granted XXXX % exemption from property taxes to any veteran homeowner who is considered XXXX or more XXXX by the Dept of Veterans Affairs.Carrington Mortgage services has been provided with this information and my rating with the VA.I am rated XXXX % total and permanent.They are stating I must wait for the second installment tax bill before they act.The state has already stated in this letter that I will recieve a refund of the first installment payment.This letter also states that no future tax bills will be due as long as my rating is unchanged.ref ; XXXX % XXXX.It does not state the mortgage company must wait to make any changes or refund any monies being held for a payment that will never be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2016 I CALLED MY FINANCIAL INSTITUTION, US BANK, AND COULD NOT USE MY PIN NUMBER ON THEIR SYSTEM. I WAS CONNECTED WITH A BANK OPERATOR AND WAS INFORMED THAT MY ACCOUNT WAS BEING CLOSED. I THEN REALIZED MY CARD AND ID WERE NOT IN MY WALLET OR PURSE OR ANY POSSESSION OF MINE ( CAR, HOUSE, ETC. ). WHILE ON THE PHONE WITH THE BANK OPERATOR I INFORMED HER THAT MY CARD IS MISSING AND MY ID. SHE THEN TOLD ME I NEED TO FILE A FRAUD REPORT FOR TRANSACTIONS MADE ON XX/XX/2016. I ASKED HER WHY WAS NOT I NOTIFIED OF THESE TRANSACTIONS. I ALSO INQUIRED ABOUT MY PAYROLL DEPOSIT THAT I WAS EXPECTING THE NEXT DAY- XX/XX/2016. THE BANK OPERATOR TOLD ME THAT MY SAVINGS ACCOUNT WILL ALSO BE CLOSED BECAUSE OF THE TWO TRANSACTIONS MENTIONED. I INFORMED THE OPERATOR AND ALL OTHER US BANK PERSONNEL OF THE DAMAGES THIS WILL CAUSE TO ME BY NOT HAVING MY PAYCHECK AVAILABLE. I WAS TOLD TO MAKE A FRAUD CLAIM AND SO I DID THE SAME DAY. WHEN I SPOKE WITH THE OPERATOR IN THE FRAUD LIAISON DEPARTMENT I WAS TOLD I WOULD BE SENT PAPERS TO COMPLETE AND RETURN WITHIN 10 BUSINESS DAYS TO SALVAGE MY ACCOUNTS AND HAVE ACCESS TO MY MONEY. I WAS NEVER SENT ANY PAPERS OR FORMS FOR ME TO COMPLETE NOR SIGN NOR SEND BACK. I CALLED THE FRAUDE LIAISON CENTER AGAIN AND WAS FORWARDED TO THE FRAUD PREVENTION CENTER TO INQUIRE ABOUT MY PAYROLL DEPOSIT. I SPOKE WITH A VERY RUDE AND UNPLEASANT OPERATOR NAMED XXXX WHO ONLY ESCALATED MY SITUATION AND ENDED UP DISCONNECTING OUR CONNECTION!! I AM SHOCKED AND OUTRAGED AT THE SERVICE I AM GETTING FROM THIS BANK AND AM BEING TREATED UNFAIRLY AND BEING WITHHELD FROM MY MONEY THAT I WORKED FOR. I NEED MY MONEY AND I WANT MY MONEY REMOVED FROM THEIR INSTITUTION.

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 2017-01-14
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I bank with US Bank in XXXX, KY. Sometime around late XX/XX/2016 I went through the teller line in the drive through as I had my XXXX small children with me. I made a withdrawal and the teller at the window asked me if I 'd heard about their new credit card. I stated I had not and she proceeded to give me some information and a XXXX page piece of information on the card. She asked me if she could send me some information about the credit card and I said sure. She confirmed my mailing address, which I advised was correct and I went about my way. Approximately XXXX weeks later I received a letter in the mail from USBank stating my credit application for the card had been denied. I was confused as to why I was getting this communication and then it clicked that the teller in the drive through line must have submitted an application in my name WITHOUT my consent. I called the number listed on the paperwork USBank had sent me regarding the denial of credit and they indicated the only thing they would be able to do is remove my application for credit, they could not take it off of my credit report as an inquiry. I never had any intentions of applying for this card as I know my credit is not great. I just wanted to get my cash and go and instead credit was applied for in my name without my written or verbal consent. I was told the XXXX inside the branch may or may not be able to do anything about the inquiry but that I should I try to contact them. This is a huge inconvenince and extremely unfair considering I never applied for this in the first place. I would have to take time off of my job to speak to this XXXX who may or may not be able to even assist me. To date this issue has still not been resolved.

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 2015-07-29
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This individual enter our lives back in XXXX 2013. This individual with the intent to defraud my family he built our trust and confidence, and misrepresented himself as a entrepreneur/multi millionaire. After he built our trust he wanted us to open an Assistant Living Facility business. I explained to him time and time again it takes money to open a business and we do not have money to do that! This individual kept pressuring to open this facility so we could be millionaires like him and his family. He pressured us so much we had gotten and XXXX number but never got a building, he said the first thing is to get business credit cards to help with business acumen ect. He advised me they were to be used for business purchases only but he needed to be added as an authorized user, this individual was living off of these business cards and would call the bank cards to ask them not to send statements out so I would n't see the charges on the cards I called Us Bank and reported fraud and ask them too shut the card down they said they did but this individual, found out when he went to use the card again and call the card and had them issue him another card, without my authorization i was going back in forth with the us bank customer service and fraud department. I went to my local police department and have the Detective involved in this fraud case, but I still continue getting harassing phone calls from Us Bank on my phone and now they call my job! I asked them never to call me at my job again on a recored line and they continue to call. I have gave them the police report number like they ask, and the Detective name and phone number, and explained to them that I have talk to them more than i talk to my own family cause they call me daily, more than once and now my job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: U.S. BANCORP
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuation of CFPB complaint # XXXXDebt is over 15 years old. I received a call from XXXX who stated he is going to file a law suit against me for {$6000.00} that he claims I owe US BANK will file suit in XXXX XXXX Maryland. He stated I signed something extending the collection date ( I did n't sign anything ). His number is XXXX. I DO NOT OWE ANYTHING TO US BANK AND I AM BEING HARRASSED BY THIS DEBT COLLECTOR!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
The card issuer promises " FREE '' online statements to all holders of its 1-2-3 Rewards prepaid Visa debit card in paragraph XXXX of the card 's terms and conditions. In practice, only cardholders who have registered and activated their " temporary card '' as a " personalized card '' can see or print online statements. The card 's website allows temporary cardholders to see the balance available on the card and nothing more. There is no way to access the card 's history of charges ; as a result, one can not discover errors or unauthorized charges and can not provide proof of payment to a creditor or other interested party.

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 2021-03-09
Company: Velocity Portfolio Group
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2015-05-03
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Other fee

Complaint:
I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Other

Complaint:
I am unfortunately, a customer of US Bank and I hold Mortgage, Credit Card, Checkings/Savings, Home Equity Line of Credit accounts with them. US Bank Flex Perks travel rewards account # XXXX charged me an annual membership fee in XXXX 2015 for {$49.00} and I never knew about it as no note was sent to me, which is very unusual and objectionable. After which, they just kept going by adding interest and late fees till XXXX XXXX 2015, when I logged in to my account and checked the transactions, it was already past 60 days late. They never bothered to send me a note in any form that they charged me a fee and that it was late by 60 days plus. They were very prompt in reporting the same to the credit bureaus and sabotaged my excellent credit score of XXXX by XXXX points and I am not sure what else would be coming my way. I dispute any reporting of the delinquencies on my account and hold US Bank totally responsible for the damage caused and any future damage. It has been proved yet another time that these Big Monster Mega Banks do n't care an iota about their loyal customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: U.S. BANCORP
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.

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
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a victim of identity theft with Chase Bank. The fraud people attacked my account on my phone via email. Chase states that they will protect the consumer if this happens. Chase refunded the money to me and then reversed their decision a month later and with no notice to me withdrew the funds of over {$500.00} from my account. When I called their online fraud division, account superviser XXXX hung up on me.

Company response to consumer: Closed with monetary relief