vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ACCOUNT RESOLUTION SERVICE # XXXXRecently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVICE has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITYAND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL MID OHIO to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
In XXXX I purchased a mobile home with the understanding my payments would be around {$700.00}. When I went to closing after they had delivered, set up with XXXX and included my land, my payments had jumped to {$910.00}. We told them at the closing that we could n't afford these payments, but were told the house ca n't be moved, so we had no choice but to sign the paperwork. After trying to work with the several companies that bought our mortgage we gave up. Our home is now XXXX days late and they still will not work with us. Our outstanding payments with late fees are almost XXXX and the home was just appraised at XXXX. We do n't want to loose our home, but what can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Kwikcash, Inc.
State: CA

Complaint narrative:
I 'm in chapter XXXX bk since XX/XX/XXXX. Payday Loan lender despite court notification of Automatic Stay, got default judgement to garnish my paychecks XX/XX/XXXX. Attorney stopped this based on Automatic Stay Provision, however ; company still has default judgement on my credit bureaus. This is a gross violation and has caused me tremendous harm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage.Shop LLC
State: VA

Complaint narrative:
In XXXX 2015 I signed up for a reverse mortgage and was told that when I signed up that I would be grandfathered in before the new laws were to come into effect. I and my wife signed a contract on XXXX XXXX and did the XXXX counseling on XXXX, 2015. However, after all the paperwork was completed they decided to rewright the contract under the new laws. This put me in a bind because we would have to start all over again. Plus the agent told us to save our mortgage money and now we are behind in XXXX, 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am the Trustee of my daughter 's XXXX trust and manage the trust CD accounts at several banks. XXXX of those banks is U. S. Bank, XXXX XXXX in XXXX XXXX, California. The Trust has a CD account, currently around $ XXXX that has been in that branch since XXXX. It gets renewed upon maturity. Last maturity was on XXXX/XXXX/XXXX. I have not received the bank usual maturity notice in the mail, so in such a situation, the bank automatically renews the CD with the same term ( 11 months ) and for the CD rate on that date. The previous rate was 0.5 % and that rate is low but the bank automatically renewed the CD at a ridiculous rate of 0.05 %, which is a rate even low for a saving account. I contacted the bank personally and spoke to the banker and the branch manager and even complained to the regional manager that such a renewal rate is not fair and not realistic for an 11 month CD of $ XXXX. I asked them to show me the CD rate on or about XXXX/XXXX/XXXX and the branch manager said he ca n't get that. I asked the regional manger for the same information and she said she ca n't do anything to correct that rate. I asked for her full name and she refused to give me her full last name. I needed to document the persons that I contacted in the bank for this issue and she did not give her full name. I have other CD account for the Trust and then other bank give around 1 % which is low but acceptable in this market. I find U. S. Bank action in this situation to be very unfair and most likely other consumers can experience such disregard to consumer rights unless the bank is made to be aware of that bad practice. It is ridiculous for an 11 month CD of $ XXXX to be generating around {$3.00} interest per month even in this market.

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 2015-07-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I contacted XXXX XXXX and XXXX over the phone to come out and clear the line on my pool. He told me this would cost {$85.00}. I agreed and made an appointment. He was running hours late that day and finally i had to leave. I told him he could go into my backyard and perform the service. He called hours later to tell me that it was completed. I gave him my credit card number so that he could charge me the {$85.00}. I received no receipt at my home or in the mail. When i received my statement i was shocked to see a charge for {$220.00}. I tried contacting him on several occasions and only received voice mail. I left several messages and never received a phone call back. I then disputed this with U.S. Bank. I was told by their customer service that i needed a receipt of the transaction and without it i could not dispute it. I told them that i did not have a receipt which shows further that this company is not reputable. I spoke with several people there and was treated rudely. Is it not true that the burden of proof lies with the store that initiated the charges to my account? Is it also true that one of the reasons that i can be issued a chargeback to my credit card account is that the merchant did not get a signature from me? XXXX 's XXXX XXXX and XXXX is not a reputable business. 
I feel that the decision to not re-credit my account by U.S. Bank should be reversed. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I was out of work sick with XXXX, much better and been back to work I asked fofor a re a repayment and was told that I need a lawyer for 4 month I would n't have gotis far

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 2016-06-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX gift card has always been in my possession. I tried to use it and found it had been hacked. Someone had registered the card and used it for XXXX online purchases. 

I have the receipt and card. Called the number for US Bank National Association and have been given different stories each time. 

The first representative could see the card number was tried for a {$1.00} charge before even being activated. She took all of my info and gave me instructions on filing a fraud dispute. She gave me this fax number XXXX - which repeated attempts over many hours failed to deliver. 

I called back and this time was told that instead I needed to file a lost/replacement card request due to the card being registered in the hacker 's name. This does n't make any sense to me. I have the card! I was given different instructions on what to fax and to send it to XXXX. Still wo n't go through. 

I was also told I would be given a replacement card at a charge of {$5.00} - the new card would have a value of the remaining {$7.00} instead of the original {$200.00} is all that would be put on the replacement card. Then I would need to file a dispute to get the remaining original value put on this replacement card. This makes absolutely no sense. 

I have attached a scan of the information requested from me by US Bank.

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 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: U.S. BANCORP
State: MA

Complaint narrative:
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
D. Scott Carruthers XXXX XXXX XXXX, XXXX, CA XXXX This office, specifically a man named XXXX XXXX has been calling my work, my Manager, my boyfriend, my sister, my other relatives and my cell phone non-stop leaving messages and trying to locate me by asking ways to get contact with me and leaving messages with them, for me to contact the " Attorney Office '' as to make it sound like I am facing a legal issue. This is very embarrassing, especially because I work at a University and hold a professional position. I have sent a certified US Mail to his office asking him to Cease and Desist all phone communications to all the numbers he has, and all communications must be done through US mail. That was dated, XXXX XXXX, 2016. Since then up until today, he continues to call. I made one last call to his office on XXXX/XXXX/16 and spoke with XXXX, I said, " XXXX I am asking you to stop calling my work and all other phone numbers you have on file, this is harrassment. I want all communications via XXXX Mail. '' He said, " I did. '' Then I said, " I also sent a Certified Letter on XXXX/XXXX/16, requesting you to Cease and Desist. Goodbye ''. In the letter told him how he has harassed and embarrassed me. He has caused me to suffer severe humiliation, emotional distress and physical discomfort. XXXX. He has violated the FAIR DEBT COLLECTION PRACTICES ACT & THE XXXX FAIR DEBT COLLECTION PRACTICES ACT since I live in the State of California.

Company response to consumer: Closed
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
XX/XX/XXXXAttention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # XXXX : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on XXXX XXXX, XXXX. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On XXXX XXXX, XXXX RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking foreclosure ( see highlighted below ), by declining my loss mitigation application short sale without legitimate cause and furthermore not exhausting the appeal process before pursuing a foreclosure sale on XX/XX/XXXXCFPB Rules Restrict Dual TrackingThe CFPB, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX, issued new mortgage servicing rules that went into effect as of XXXX XXXX, XXXX. Among other things, the rules restrict dual tracking. 
Under the new rules, a mortgage servicer can not initiate a foreclosure until you 're more than 120 days delinquent ( which provides a reasonable amount of time to submit a loan modification application ). Also, the servicer can not start the foreclosure process if a loss mitigation application is pending. 
If you submit a complete loss mitigation application to your mortgage servicer after the foreclosure has started, but more than 37 days before a foreclosure sale, the servicer must stop the foreclosure process until : the servicer informs you that you are not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout, but fail to comply with the terms of the deal ( such as not making payments during a trial modification ). Source : NolopressIn addition to this letter I have included the following documents for your reference:1. Signed Purchase Agreement Buyer/Seller2. Buyer Proof of Funds3. RCS Correspondence dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXI have also forwarded this to the Consumer Finance Protection Board in the form of a formal complaint to the Consumer Protection Finance Board. 

Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my Experian credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Since XXXX XXXX, 2016, I 've been attempting to request my free annual report from Experian, though XXXX. Each time, when I get to the end after entering my info and choosing Experian, I get the message : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' So, the online form is n't working with them at this time, and they have n't fixed it after two weeks.

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 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit monitoring services alerted me to a potentially fraudulent account. XXXX is reporting an account through Experian which I did not open. I have the inquiry is showing that it came thru XXXX which is also fraudulent as I have not applied nor authorized any credit services or accounts this year or the prior year. Please have this fraudulent activity removed and investigated immediately. Thank you for your service.

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