vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2013 I suffered a XXXX from a XXXX injury I recieved while at work. For the first few months I was able to make my house payment until XXXX XXXX stop ( was at that time fighting them XXXX and waiting for Social Security XXXX to start and fell behind XXXX XXXX months. I was excepted to the XXXX Our Home XXXX Program through the State of XXXX Department XXXX XXXX and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the XXXX XXXX months due would be brought current at the end of the program. Long story short, I made all my payment on time as instructed through the program and graduated at which time everthing was brought current. Durring the time in the program, US Bank Mortgage reported all payments as late pays on all of my credit Bureaus.I have asked them to reverse this due to the fact that was in the program and made all my payments on time as agreed to with the deal that they have made with the XXXX XXXX XXXX XXXX XXXX and they refuse to do so. Please help me in this matter.

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 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have been trying to get a loan modification since XX/XX/2012, up until yesterday my case was closed for a fourth time even after the representative told me i had handed in all my information requested in a timely fashion. 
I 'm tired upset and aggravated at this whole process that i believe US bank is playing with my time. I 've complied to all of their request, their not even denying me based on income but keep saying i have n't sent in the information when i did and have proof that i emailed it to them and they even responded with emails saying they received my paperwork, i do n't know what to do next so I 'm making this complaint to you then my next step will be the media outlets of XXXX. Thank you in advance for looking into this

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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2016 I filed a dispute, # XXXX, with Equifax regarding a debt that was being collected by " XXXX '' and have not received any response via mail, website or telephone. Their online website has no information either. I 've attempted to get responses from the company, the debt collector, and now Equifax. I 've heard nothing. Just earlier today I was disconnected by Equifax 's telephone system XXXX times and could not reach a live agent! I believe there is a XXXX day rule and for that want this debt taken off of my credit ... ..it 's affecting my allowance to refi my mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2016 I contacted U.S. Bank and provided them with a new mailing address for them to mail a replacement for my existing card that expires on XX/XX/2016. While on the phone, I was offered an additional credit card with a XXXX dollar credit limit, zero percent APR for a year, and 17 % APR after the first year. I was also told that I could transfer the balance from my existing card, close to XXXX dollars, to the new card, without any transfer fees. I called on XX/XX/2016 to inquire about whereabouts of the replacement card and new card in the mail. While on the phone I was told that the person I initially spoke to on XX/XX/2016 misspoke and gave me false information about being able to transfer the balance from my original card, to the new card, enabling me to pay off and cancel the original card with a much higher interest rate. I had the new card canceled on XX/XX/2016, and inquired about having my existing card APR lowered to 17 % like the new card they approved me for. Even though U.S. Bank had access to my credit score, they claimed that they could only offer me an APR of 17.99 for 6 months. My grievance is that I was misinformed of my ability to transfer my credit card balance ; which was deciding factor for me to follow through with opening the new credit card account.

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 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: SC

Complaint narrative:
I attempted to return the caller back he claims to work for attorney Scott Carruthers. Name is XXXX XXXX. Once I got a hold of him, he than started asking information about me, which i replied i do n't give out my information. I asked who it was and he hung up than i called back and he explained that he does n't talk to strangers. He keeps contacting family members repeatedly. Also calls me from unknown numbers.

Company response to consumer: Closed
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I sent US Bank two letters, providing evidence that their claim that the signatures matched did not have merit and asked US Bank for proof of indebtedness - proof I applied for or accepted a card offer, US bank responded with a letter dated XX/XX/2017 stating : Transactions claimed as fraud were transacted by cardmember.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: TX

Complaint narrative:
Both my husband and I told this company that I am unemployed, have no money, my husband had XXXX bouts of XXXX that we can not pay this bill and to stop harassing us with calls. They wo n't stop calling. They continue to call my husbands work cell phone and my cell phone after we repeatedly said to stop.

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 2016-11-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.

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 2015-04-08 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
I fulfilled our XXXX contract with storage company and we gave him his 30 day notice per contract. The owner harassed us our entire contract because I stored a atv along side my boat and he wanted extra money for same space. A storage unit is just that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I paid off our U. S. Bank Business Edge Cash Rewards Card on XXXX XXXX, XXXX, and we quit using that card. I often leave credit card accounts open even though I no longer intend to use them, as many people do. In XXXX XXXX, I realized that I had received XXXX statements ( from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for this card showing that I have a balance and that my old automatic payment had paid the minimum payments. I then realized that U. S. Bank had charged me an annual fee of {$25.00} per cardholders on the account, totaling {$50.00} for my husband and myself. Since my auto payments only paid the minimum due, they then started charging me interest on the remaining balance. I called U. S. Bank on XXXX XXXX, XXXX, and told them that I had stopped using the cards a year ago. I asked them to remove the annual fees, credit back the interest and payments they took from my checking account, and to just close the account. They agreed to close the account but said they would not do the refunds. I was very surprised as I have had this same exact situation happen with other card companies in the past and they always credited back everything without any problems and closed the account upon my request. I just received another statement dated XXXX/XXXX/XXXX, and the account appears to still be open or, maybe they are just sending bills for it thought it is closed. In any case, they still show me owing the {$42.00} previous balance and they charged me {$21.00} in late fees and interest. Can they really require me to pay a fee on cards that I no longer use or want? I did pay the fees for a couple of years while using the card, but as I mentioned, I 've done that on various credit cards through the years and never had a problem just leaving the account open after it was paid off and letting them know if they did charge an annual fee later that I no longer wanted the card. Some of them never even charged a fee since I was n't using the card and the accounts have, to my knowledge, just stayed open. I have used U. S. Bank quite a few times through the years. Although I had enough problems in recent years that I did not want to ever use them again after paying this particular card off ( and I sent them a letter letting them know that, perhaps that is the problem! ), I know I have never paid annual fees to them before on cards I am not using. I would appreciate your help in resolving this matter. The amount of money is small, but I really do not want to pay this just because I do n't think it is ethical for them to do this to people.

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 monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP
State: CA

Complaint narrative:
" XXXX XXXX " claims to be a supervisor for XXXX XXXX XXXX, he claims to work for the " Pre- litigation He threatened that if I did n't pay {$3000.00} within 10 days they were going to take me to court and file a civil lawsuit. So when I called this a scam, and asked for Proof in writing? he refused to give me my debt notification in writing, and said that I have till XXXX tomorrow to call him to agree to pay or else face a civil law suit. He said they are n't obligated to notify me if a debt that I owe, he said that 's my responsibility. He was rude and threatening and talking loud over me the whole time. He would n't let me speak with a supervisor.

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 2015-10-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
U.S. Bank reports my credit card account as OPEN to credit reporting agencies, although it has been closed for the long time. I have contacted USB multiple times in the last 2 months and disputed the status XXXX. Each time USB representatives confirm that the account is in the CLOSED status. As a matter of fact, I have a letter from USB, dated XX/XX/2015, confirming that the account is CLOSED. But USB continues to be reported as OPEN.That dramatically brings down my credit score. I have disputed this account with CFPB before and USB responded by asking me for my identifying information ( which, obviously, does not address the issue whatsoever ). Because I have not received any resolution, and I have called CFPB today to see what I should do, I have been advised to refile a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. 
I was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. 
US Bank is refusing to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have submitted documentation multiple times to US Bank issued XXXX XXXX Visa regarding a legal name change for my protection from a XXXX and identity theft issue. Documentation has included a copy of the court document, drivers license, and social security card. XXXX Visa has refused to process the documentation multiple times, and in doing so places me at risk of being discovered by my XXXX. I have offered to go to a local US Bank branch to provide the documentation but HD Visa refuses to work with US Bank even though they issue the credit card. Every time I send in documentation, they force me to wait 20 days to " review '' the documentation, and then reject it anyways. I am at the point that I have a meeting with an attorney to see how to continue to resolve this matter.

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 2016-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
I received a letter from Carrington Mortgage, who bought my home loan from XXXX XXXX XXXX in XXXX of 2015, stating that they were going to start foreclosure proceedings since I missed my XXXX 2015 house payment. I received the letter in XXXX. I called and was told to send all of my bank statements proving that I did indeed pay. I faxed all of my statements as requested and the XXXX payment was noted as well as the past 4 months payments. I was sent a letter requesting front and back of check to prove who indeed cashed it. The statement clearly states that the check was converted to an ACH payment and the front and back of check is not available! I called XXXX XXXX, my local bank, and the branch manager, XXXX XXXX, requested the front and back of check from XXXX XXXX who handles the account for Carrington. XXXX XXXX has not responded and I have received a second letter stating that they are starting foreclosure proceedings ... what can I do???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
A while ago I applied and was approved for a XXXX XXXX XXXX card issued by BBVA Compass bank. The most compelling feature of this card that was, was 5 % back in reward points ( BBVA Compass call it TripleDouble Rewards points ) on all purchases during the XXXX All Star weekend ( usually happens in XX/XX/XXXX XXXX Two Weeks of XXXX Finals ( usually happens in XX/XX/XXXX ). So XXXX Two Weeks of Finals starts in XXXX XXXX and I start increasing my usage of the card to finally take advantage of the 5 % back in reward points, but BBVA Compass suddenly put a hold on my card and freeze it. I understand that this happens because banks may have security or fraud concerns, but this should get resolved by a call or otherwise by confirming the validity of transactions in a reasonable amount of time. It did n't work like that for BBVA Compass, they liked to keep my card on hold while the XXXX Two Weeks of Finals were passing and the account is still on hold. They included a feature in the Reward program they they advertised that convinced but when the time to use that feature arrived, they did n't let me use it. This is bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Name wrong on loan I noticed recently my name was wrong on my loan, I contacted bbva and was told to email in a copy of my id and proof of social. I sent my license and XXXX in. A XXXX is a legal representation of social. I was told I need to send in the card. I washed my and I am not going to make a special trip, I live in XXXX ga, to fix something that is not my mistake. Gas is expensive. BBVA is refusing to correct a document legally binding me to a loan which represents an incorrect name, they were argumentative, combative, and not accommodating on the phone. I was lied to repeatedly and the representative and she refused comply with any of my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the XXXX XXXX, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My business partner and I have experienced a total breakdown in communication with the BBVA branch XXXX, TX XXXX. The staff have not resolved simple banking issues and do not reply to our calls or emails. As a result our company : Can not make on-line wire transactions, despite compiling all the relevant paperwork in the branch in person in XXXX Have not been able to have new cards correctly issued Can not access the XXXX account all on line ( error message - account locked )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
RE : Original Creditor : XXXX XXXX XXXX XXXX AT THE TIME I TURNED IN MY KEYS FOR THE APT I WAS RENTING, I WAS NOT TOLD NOR GIVEN ANY NOTICE OF ANY MONIES THAT WAS SUPPOSEDLY OWED. I NEVER RECEIVED ANY SUCH NOTICE EITHER. I LEFT A FORWARDED MAILING ADDRESS AND NEVER RECEIVED A BILL. IT WAS N'T UNTIL I CHECKED MY CREDIT REPORT SOME MONTHS BACK THAT I SAW THE ACCOUNT WAS IN COLLECTIONS OVER A YEAR AFTER I MOVED OUT. 

THIS ACCOUNT IN MY CREDIT FILE HAS SINCE BEEN DELETED FROM XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation