vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a notice from the credit bureau informing me that a new collection was placed on my account. I have a credit freeze and fraud alert placed only account because of identity theft. In this case there is a collection of {$100.00} dollars that is not mine placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: NM

Complaint narrative:
Collectors called family members and people I no longer have contact with. Threatening tone. Would not give me any information about this so called debt, and kept telling me that I needed to pay. This debt is not legitimate, and all these collectors did was try to embarrass me by contacting my family and old friends, making it sound like I had a warrant on the run.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I received a US Bank Business Edge Platinum card for each my wife and I with a {$200.00} US Bank rewards card for spending {$1000.00} during the first 90 days of opening the account. Upon doing so I called in twice and was told both times there was no {$200.00} reward attached to this card. I informed her during the call on XX/XX/XXXX to close the account if this was the case. 

I then filed a complaint with CFPB and was sent a letter stating there apologies for any confusion when I contacted them and that there was indeed a {$200.00} reward attached to each card if {$1000.00} was spent on each card, not a combination between cards. It stated my card was still open and eligible but my wife 's had been closed and because so is not eligible. 

I called in today to ask if it could be reactivated since it has {$760.00} towards the qualifying {$1000.00} already spent on it. I have until XX/XX/XXXX before the 90 days is up. If I was n't misinformed on the phone call on XX/XX/XXXX I never would have closed it. She said I would have to talk to a manager, which after being placed on hold said that none were available but that I would receive a call back from one. As of yet I have not.

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 2015-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I went through a divorce XXXX years ago and right away listed my home because I was not able to make my payments on XXXX income. It is being listed as a short sale as my home is worth half of what I paid for it. I have had an offer on the table for XXXX months and the bank refuses to accept it. It takes them months to respond and they come back asking for more then it takes them more months to respond to the buyers counter offer. The buyer had not low balled, they have given a decent offer and the bank is still just sitting on it,. We have no other offers, no showings ( home is not in a great neighborhood ) I continue to up keep the property and pay utilities even though I am not living there. I filed a complaint with my senator and the bank claimed that I have not handed in all the paperwork. A complete lie. They have everything they need. My realtor has saved all documents that have been sent since the very beginning in 2012.XXXX years of this is absolutely ridiculous ... .we will lose these buyers and the house will sit and rot ( it would have already If I had not kept things up ) if the bank does not accept this fair offer now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: NY

Complaint narrative:
My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I 'm at my wits end with Equifax. I 'm sending them disputes listing clearly what I 'm disputing in regards to accounts where they only have partial or unknown elements to the accounts and they are required to correct or remove this information and they have not done anything at all. take the XXXX account for example : they have unknown terms, no type, unknown status, no payment status details and list it as a collection and yet the historical payment data reflects that I have paid as agreed every month. 
In addition, they are reporting XXXX as if they hold the account and I am attaching proof that this is not so. they are required to list this as transferred or remove it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
This may be hard to follow at first glance. I have my auto loan through US Bank. I was double charged in XXXX 2016. I immediately called US Bank and asked what they were going to do to fix it. The guy said I need to go to my bank and do a stop payment on one of the charges. I did this and stopped one and allowed the other that was supposed to go through, to go through. It went through, but a few days later US Bank reimbursed me. I did not need to be reimbursed since I already stopped the bad payment. I called back a few days later explaining this to customer service, and the guy said to me that I am all up to date and everything looks good on their end and that I should n't make another payment. So, I did n't. Now all of a sudden in XX/XX/XXXX I start getting calls that I 've been dinged for late fees since XX/XX/XXXX. What happened was, they charged me twice, I stopped one, and then they reimbursed me for the other by mistake. Then when I explained this to them they did n't allow me to make a payment correcting it, because it had n't shown up in their system yet. So, I do owe a XX/XX/XXXX payment now because of their mistake. However, I should not be responsible for the late fees they have charged, because I HAVE N'T BEEN LATE! It was their mistake. I am on autopay, so when the XX/XX/XXXX payment rolled around it kicked it back to XX/XX/XXXX, then XX/XX/XXXX back to XX/XX/XXXX and so on. I have talked with countless people in their company and none of them ever get this problem fixed. The last person I talked to told me he saw in his notes where all of this happened and that the late fees will be taken away. Last Wednesday XXXX XXXX I told him I would make an extra payment to make up for XX/XX/XXXX and then on XXXX XXXX my autopay should be back on track, but I will not pay any late fees. He said this would be the best thing to do and that it should fix the problem and I wo n't have any late fees accessed. However, I checked my bank account this morning and only one payment came out instead of both, and this payment had {$59.00} in late fees. I ca n't tell you how many hours I 've been on the phone or how many people in this company I have dealt with but it 's ridiculous. I even sent in my bank records to their dispute department showing that I paid on time in XX/XX/XXXX and they only called back once while I was at work, left a voicemail that showed they clearly did n't understand this isssue, and did n't even leave a call back number. Please help me resolve this issue with this terrible company! If this continues much longer, it will come to the point that their system will show me over 30 days and will report me to the credit agency and I have never been late! If my credit score gets dinged for their mistake I will be contacting a lawyer!

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 2015-05-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX XXXX XXXX card from US Bank in XXXX 2015. One of the main reasons I signed up for the card was for the Bonus Award Nights program, which was prominently featured in the advertising on their website at the time, and which I felt justified the {$75.00} annual fee on the card. Shortly after applying for and receiving the card, US Bank informed me that the Bonus Award Night benefit was going away at the end of XXXX 2015, less than one month after they charged me the annual fee and less than two months after I signed up for the card based on the availability of this benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have an account with US bank for which I used to conduct my primary day to day financial transactions. I have on three occasions make my credit card payment to another bank. And on all three occasions, my bank US bank have play these games with my account in which to do high and low stacking of processing of my accounts. The last time that did it for me was yesterday. I had paid {$200.00} on credit card account on XX/XX/XXXX. The authorization came through and US bank took out the money. There were sufficient funds in the account when I made the payment. US bank took the money out my account and held it until XX/XX/XXXX when they held the fund until they had sufficient transaction to reject the authorization, take out {$36.00} from my account and return the payment as insufficient funds authorization. This is not the first time they have done this sort of thing. I am fed up and I am not going to take it anymore. US bank keep playing these games with customers with low balances and I thought the new banking regulations were suppose to stop this. They should not have pull the fund made it unavailable, sit and wait until they find it convenient for them to access overdraft fees to make money off me.

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 2015-10-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am preparing to take a trip out of the country. I went to website for my credit card to determine if my card has XXXX transaction fees. According XXXX there is an underlined link that states " No XXXX Transaction Fees ''. However, when you click on that link XXXX it brings up a fee table that shows there is a XXXX transaction fee of 2 or 3 %, depending upon whether the transaction is in US dollars or a XXXX currency. I then called the customer service center for US Bank, and got a series of confusing answers, then a response that my account had no fees. I requested that the agent request that the misleading information be removed from the company website, but lack confidence that this will actually happen. I am concerned that if I use the US Bank XXXX XXXX XXXX XXXX in a XXXX country that I will end up with transaction fee charges and that the bank will point to the publicly posted fee schedule.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My lease matures on XXXX XXXX and the car is due back within 10 day so maturity. In the beginning of XXXX, I called the US BANK to confirm that my final payment submitted cleared my financial obligation excluding charges for excess mileage, wear and tear etc ... They confirmed that I had satisfied my lease and in fact had a {$29.00} overpayment credit. No funds were due to US Bank. Today, XXXX I received an invoice from US BANK for {$430.00} due for XXXX. Confused I called the bank. After significant hold time, the first agent confirmed I owed nothing and had a credit. But, she could not explain the bill. After a transfer and hold time, second agent explained that a " computer sends the bills. '' I explained that this must be illegal, as I do not owe them anything and had I not called, I might have sent them the {$430.00}. She said that it was just an error and I could ignore it. Not satisfied, I requested that I log a complaint. She transferred me to billing. After 20 minutes holding, a clerk got on the phone and told me that the bill was " just in case '' we wanted to lease month to month. I explained, that it says nothing about that on the invoice ... it just says Payment due for XXXX. I received no letter or mail indicating that the car was available for month to month leasing after the terms are satisfied. And, on my XXXX calls to customer service in the past in preparation for the car inspection and return, no one had ever mentioned anything about keeping the car month to month and paying a fee that is less than my original lease. She was insistent that this was common practice and US Banks only intent. This is clearly US Banks attempt to fool customers into over paying against a balance that does not exist. In any other business this would be considered stealing under no uncertain terms. It is clear fraud to present an invoice for an amount you do not owe. The US BANK should not be permitted to continue practices like 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 2015-07-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a number of student loans that initially were with XXXX XXXX. They are now with Navient. Although some of the loans are being paid on time I was having issues with XXXX other outstanding loans in that different people at Navient kept giving us different information on the interest rates and possible monthly payback options. A deal was struck with Navient in XXXX this year ( 2015 ) and then that deal was changed. I filled out numerous budget reports to XXXX/Navient ( which were required ) over the phone and explained over and over again what we could afford, this was all to no avail. In XXXX of our last phone conference calls with my Dad helping me out, they were insisting on a lump sum settlement which we were not able to do. The phone calls were coming in to us at a rate of over 5 to 7 per day and they got nasty and negative. No one was willing to work with us given our financial situation. We told them over and over again what we could afford and it was never good enough, it always had to go to a VP at the company for review and some reps told us to expect a call from the VP and other reps and supervisors told us we were crazy that the VP 's never spoke with the consumer. The highest level person we got was a supervisor and it was always someone different and equally as nasty. At some point in XXXX 2015 we received a call from XXXX XXXX XXXX ( the company that Navient has us in collection with ). After a couple of conversations with XXXX they are telling us that the only way to resolve this is by a lump sum fee and there is no way to work out monthly payments. The supervisor at XXXX yelled and hung up on my Father during the last phone call insisting that a lump some arrangement be made. No one will work with us or offer us payments that we can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have a fixed rate mortgage from US Bank. Despite property tax and insurance costs being readily available, they have consistently miscalculated my mortgage escrow requirements year to year resulting in shortages. Each year they also miscalculate the shortages, asking for a very small amount up front and raising my monthly payment much higher to cover the rest. In years past I have been able to calculate manually and " pre-pay '' ( pay the actual shortage ) of my escrow. This year they claim the law changed on XX/XX/XXXX such that they 're no longer allowed to do that. They were unable to define the exact law.

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 2015-07-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application. 

I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income. 

My correct current monthly income is $ XXXX. The basis of my correct income is attached. 

Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you. 

-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Campus Student Funding, LLC
State: FL

Complaint narrative:
I lease a motorcycle like 2 years ago, my motorcycle was stolen 3 months ago already and nothing has been cleared, I call and they always have some excuse, never is their fault, they are saying I 'm 2 months behind my payments and that my insurance company has n't paid the motorcycle yet, when I have my bank statement and I fax it to them showing I have made all my payments, also I have all the paperwork from my insurance company showing the check number and copy of the check and transaction showing that they have already received the money and cashed it, THEY TOOK THE MONEY ALREADY, and they still XXXX my credit and they do n't update the information in the system, it 's seems like they want your money and XXXX you the way they can ... I filled a claim with my CREDIT REPORT and with the XXXX already, next step is going to put a lawyer in this case and they can figure it out with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation