vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: OH

Complaint narrative:
Our aunt & uncle had an A-B trust set up at Union Bank XXXX XXXX XXXX XXXX XXXX CA. She died XXXX, he died XXXX. Trust B was never set up until XXXX. It was supposed to be set up immediately. When the trust was split, the assets were split XXXX between A & B without regard to individually owned assets v jointly owned assets. A assets were split amongst the uncle 's relatives, B amongst the aunt 's. It took over a year to get the first payouts. In XXXX, they started promising " soon ''. A B beneficiary liquidated his assets in anticipation of a payout ( promised and continually delayed ) before XXXX/XXXX/XXXX. No payouts were made so the trust B paid capital gains tax at a higher rate on over {$100000.00}. He wanted to use the gains to offset some carry over losses on his personal return. Then when the trust was split, this tax ( and XXXX dividends & cap gains distributions ) was not taken into consideration and the split was an even XXXX way, even though Union Bank paid a consultant over {$4000.00} ( of trust $ ) to make sure it was done correctly. Most of the assets were distributed between XXXX. Some of my mutual funds had to be liquidated because Union Bank could n't figure out how to transfer them intact to XXXX, even after XXXX tried to work with them multiple times. At this time, XXXX XXXX XXXX, there is still cash held in trusts A & B and the administrative ( original ) trust. There are also stocks held by XXXX and XXXX that were never collected by the bank. We have told Union Bank about them several times, but with no response. They claim they are holding the $ in case of a tax problem, but we paid $ XXXX trust for those returns per year which had very little reporting, so they should be right. Union Bank charged over {$30000.00} per year for many years in fees to manage this trust. The fees were stopped in XXXX after complaints about the non communication & delays. The bank is the only XXXX with the authority to collect the outstanding stocks. We want the remainder of the trusts & outstanding stocks distributed and I feel the bank should be responsible for that tax bill if not the shortages to the other XXXX parties of trust B. Why are they allowed to carry on in such a shoddy fashion? Our aunt & uncle trusted them to carry out their wishes after they were gone. It was presented as an easy & efficient way of dealing with their estate. I filed a complaint with XXXX, but apparently they believed Union Bank when they responded that the assets were distributed.

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 2016-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: OpenRoad Lending
State: NY

Complaint narrative:
My credit has been run by OPENROAD LENDING 4 unauthorized times through XXXX and i was denied without giving consent. I want my credit fixed from these unauthorized action. If you need further details contact ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: SD

Complaint narrative:
Being over charged for escrow payments. Have request reanalysis for escrow 3 times. 
What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash online payday loan. They misrepresented loan interest. I couldnt understand the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a phone call while in XXXX that my XXXX bill had not been paid. I had attempted to pay this online at the airport, but due to a spotty connection, it did n't go through. Having never missed a credit card payment in my life ( XXXX or otherwise ), I immediately gave them my partner 's XXXX account info ( he gave his permission to Comenity on the phone ), as I did not have my account info on hand. My late fee and payment were immediately marked as credited. 

Apparently, on XX/XX/XXXX, without my knowledge, the payment was returned. Comenity made no effort to contact me regarding the returned payment. Evidently, when speaking on the phone, the Comenity representative, who was having a hard time hearing me, missed a " XXXX '' in my account number ( there were XXXX XXXX next to each other ). Despite Comenity 's repeated assurance -- as recorded on the phone call -- that this issue would not be reported to the credit bureaus and as such would not affect my credit score, I noticed my credit score plummet over XXXX points a month later. On XX/XX/XXXX, as soon as I received my statement, I formally filed a dispute with Comenity, who said they would open an investigation to look into the matter. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating only that " the Pay by Phone was processed properly '' and that my credit history would not be corrected. Later that day, I spoke on the phone with supervisor XXXX, who told me that unless I seek legal action, I can not receive detailed access to XXXX dispute team 's findings. 

Comenity 's misleading communication and lack of transparency appears to be an attempt at closing off avenues of recourse besides costly legal action in order to discourage further pursuit of my case. By refusing to share the recorded phone call or any of their notes from the investigation, it is impossible to confirm the veracity of their findings. 

I have never, ever, missed a credit card payment before, and am beside myself that a simple transcription error could jeopardize my credit score for the next 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
XXXX BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau : I have had an account with Union Bank for almost 16 years. At the time I first opened the account, I was employed full-time. I was laid off during the Great Recession, and, much to my chagrin, have been unemployed for several years. Currently, I help to take care of my mom. Yesterday ( XXXX/XXXX/16 ), at XXXX PDT, I called the Union Bank Customer Service Center, and asked them to please discontinue the mailing of monthly paper bank statements. The employee I spoke with over the phone, XXXX, said, " she could not do that because of the type of account '' that I have. 
I told XXXX that I wanted to save the {$20.00} per month charge for paper statements. She said, " oh no, '' I was " actually being charged {$50.00} per month '' by the bank : {$20.00} for the paper statements, and {$30.00} because the " balance is too low for the type of account you have. '' Never, at any time, was I told of any {$50.00} monthly bank charges! Believe me, had I known, I would have gone to the bank immediately to : 1 ) protest the excessive monthly charges, and 2 ) close my account. I told XXXX that my last several bank statements only showed a fee of " {$20.00} per month. '' I NEVER received any notification from Union Bank, at any time, of an additional {$30.00} per month fee due to a " low balance. '' XXXX said that I should visit my local Union Bank branch and ask for a " Banking by Design '' account, which, apparently, has lower monthly fees. 
I feel the bank is taking advantage of lower income customers by charging extra monthly fees for those with lower balances. These bank customers, including myself, are the ones who can least afford it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I applied for a loan on line with Amerisave Mortgage. Filled out the application was approved and lock in a 3.25 %. Immediately I was called asking for my credit card to order an appraisal on my property giving me a false sense of security..I was asking for a load of {$110.00}. My house was appraised for $ XXXX.Credit was excellent, had liquid XXXX almost a million dollars. For 2 1/2 months asked for documents after documents no end going back 3 years. This was extreme. My primary residence was XXXX XXXX and I had another address where my office was located. My immediate family lives with me at the XXXX XXXX address which is my primary residence..I feel that when I sent the XXXX packet of documents with XXXX addresses it should have been flagged and stoppedright there, and not continue on and on asking more and more document. Why did they continue for another month or so and requiring more documents. They were fined heavily by CFPB for deceptive and abusive practices. I 'm out {$400.00} for the appraisal which can not be used by any mortgage company. XXXX have been done just like I have. I want nothing to do with this company. I want my {$400.00}. back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
In 2013 XXXX try to over charge me for XXXX tickets. I sign up for a 7 month membership program for {$350.00}. But after the 7 month XXXX was still trying to take money out of my XXXX account. I had to get XXXX to block them. And I had to get a reversal on XXXX payments because they tried to over charge me. In 2013 they had Arrgon XXXX Collection contact me about this matter by phone and I explian to them that I paid for the tickets in full already and XXXX try to take extra money. And I also told them I could not get in touch with anyone from the XXXX membership department to resolve this issue they kept giving me the run around. Arrgon said that I have to contact XXXX to resolved this issue and that we are only a collection agency. When I told Arrgon the credit collection agency that I can not get in touch with anyone from XXXX membership department they told me that is the only way it can be resolved. I had not hear back from Arrgon from over a year all of the sudden out of the blue no phone called to me warning me they are going to put this debt on my credit report in the next 30 days if this is not resolved they just put it on my credit report. Now I have to do a dispute with experian a credit reporting agency for a debt I already paid. I sent proof over to XXXX and Arrgon. And I also complain to Arrgon that no one called my on my phone to warn me about this debt. I find this to be illegal. I email proof to Arrgon and they never email me back proof of how did they get this debt from XXXX on my credit report. A payment history or reciept. This is very offense to me and my business when I am in the middle of getting funding for my business now I have to wait, this could be damaging to my business not getting funding on time. No one will give you funding if you ca n't pay {$230.00} back. That is the amount Arrgon reported on my credit report. Arrgon should make sure when they collecting debt it is a official debt and also call they person on the phone and warn them they are going to put it on their credit report in the next 30 days if we can not resolve it. I attached proof. XXXX receipt and XXXX payment history. I can not believe Arrgon put a debt on my report I do not owe and gave me no warning by phone or email me proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I sent R S Clark & Associates a request to validate a debt pursuant to Texas Finance Code ( see attachment " RS Clark Dispute '' ). They had 30 days to respond. They did n't. In response to a prior complaint filed with CFPB, they provided an accounting stating that this validates the debt ( see attachment " RS Clark XXXX '' ). It does not meet the requirements under the law and does not validate the debt. They have wholly failed to validate this debt and under the laws of the state of Texas, it must be removed from my credit listings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Over a medical bill incurred during XXXX problems, which ultimately led to XXXX. Even though paying a monthly amount, XXXX turned it over to Patients Accounts Bureau since I refused to give them direct access to my checking account. Patient Accounts Bureau then called MY PARENTS, who are in the XXXX 's and live in another state - worried them totally. I am a XXXX year old adult and am livid that my parents were bothered. Plus the only way their phone number could have been obtained was via the " Emergency Contact '' when I had the medical procedures. Is that legal? My recent communication with them was harrassing and threatening. I am showing due diligence and making payments to ALL involved in the XXXX diagnosis and XXXX but this one account wants more than I can afford and wants " direct secure access '' to my checking account, which I refuse to give. XXXX and XXXX are the two at Patients Account Bureau who are harassing me, and my parents.

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 2017-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
COLLECTOR AND WENT ON MY CREDIT IGNORED CEASE AND DESIST AND DO N'T CALL ORDERS, THEY FAILED TO VALIDATE SAID DEBT AND CALLED MY MOTHER. 
THE ORIGINAL CREDITOR GOT PAID LAST WEEK BY CAPTURING MY FEDRAL TAX REFUND AND TOOK XXXX AND {$460.00} FOR 2012

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
I have an account that is placed in collections for a medical bill, I have no way to get a hold of the company where this is from due to not receiving any bills from this at my add. I do n't know when this bill was applied since I have n't been at a hospital in a long time, I have n't had any emergencies occur. I 'm also not able to place a dispute as my XXXX does n't let me it says I need a account number that I do n't have, please help me out. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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: Harris & Harris, Ltd.
State: WI

Complaint narrative:
Letters and phone calls continue to be received from Harris & Harris of Illinois , Ltd, attempting to collect a debt of {$590.00} from XXXX. The debt has already been paid, yet we continue to receive letters & phone calls from Harris & Harris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation