vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Me and my wife have owned a house at XXXX XXXX XXXX XXXX XXXX, New Jersey for many years and about four years ago dropped down to 15 year mortgage. We were very happy until I got a letter from Freedom Mortgage and they pushing to cash out for a promotion. After speaking to my wife we said lets look into. Well that is when Freedom uncovered their mistake of not taking enough out for escrow. This is their job and not mine, why they are called XXXX XXXX. I then called Freedom back on XXXX XXXX to see what XXXX XXXX mortgage payment would be, they said it would change in XX/XX/XXXX and not to worry about it XX/XX/XXXX Well my usual payment is about {$1600.00} and when I woke up XXXX XXXX my new payment was XXXX. I went nuts and me and my wife and family barely survived. This is just wrong, after I had called, and told it would n't be going up this month. I under stand it has to go up, but give us some notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
This complaint is in reference to our buyer 's Lender US Bank. We are in the process of selling our home and had an agreed closing date of XXXX/XXXX/2016. The buyer 's lender ( US Bank ) has been extremely difficult to communicate with and has not been forthcoming with requirements of the seller to close the transaction. We were just notified on XXXX/XXXX/2016 ( the day after the initial closing date ) that the lender is requiring repairs noted on the original Inspection in spite of what we ( the seller ) and the buyer agreed upon. We are being told it is due to the lender being overwhelmed with loan applications and not able to process them in a timely manner. The Inspection was performed on our property on XXXX/XXXX/2016 and we are just now hearing about the repairs being required one month later. Now the lender has extended the closing to XXXX/XXXX/2016 which places us in a bad position as we have already vacated the premises and moved into a rental. This is terrible banking practices on US Bank 's behalf. If they can not handle the magnitude of mortgage loan applications they are receiving, then they should have the decency to stop accepting applications until they can handle them instead of inconveniencing sellers for their lack of staff and the ability to close a transaction within a timely manner.

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 2016-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
We filed paperwork with U.S. Bank for a Deed in Leiu/ Short Sale in XXXX 2015. The house was put on the Market in XXXX 2015 as my husband got a new job out of the area. 
We submitted all requested paperwork multiple times as apparently paperwork can become outdated month to month. We were assigned a relationship manager by the bank and were hopeful that this would be someone who would help guide us through the process. This is the first time we have ever had to go through this process as we have never had to sell a home in a market that dropped so quickly, leaving us owing more than the house was worth when we needed to sell our home. The bank continually asked for a valid purchase agreement and a HUD-1 Statement. These are things we did not have as we did not have any offers on our house. These are also things they would not need if they were listening to the fact that we were asking for a Deed in Leiu. We have since gotten an offer on the house in XXXX 2015 and have submitted the Purchase agreement and the HUD-1 Settlement statement. This paperwork has been sitting with the " Gatekeeping Department '' with no word on when it will be moved the next stage. We have been told the paperwork was with the processor for review, That it would be forwarded to Underwriting for their review and decision and now is with the " Gatekeeping Department '' it seems like they just move the paperwork from place to place to prolong the process and that neither we or our attorney can get a straight answer as to the status. We are not sure if this is the normal but, it seems as though US bank is doing what they can to stall the process. We are turning to you for help in resolving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have a dispute with US bank concerning an illegal credit inquiry that was done on XX/XX/2016 at the bank located in XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IN XXXX. You will see from the correspondence that I sent a letter with other documents/Inquiry Removal form stating this negligent act .I have also called on three occasion and spoke with different representatives and still this matter has not been solved. 
What the bank have done with respect to injuring my credit, however, is absolutely unacceptable. I have learned from the Credit Bureaus, in the course of seeking to procure a loan that they have placed a hard inquiry on my credit report record with the major credit-reporting companies used by merchants and lenders all over this country. Because of this action, my credit is questionable for a loan approval, and I assume other credit will be withheld from me .I have been diligently working to repair my credit score and this recklessly indifferent act by an improperly trained person at the bank has caused a serious problem for 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 non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
This is an email I sent to XXXX that explains what has happened with XXXX as well as Calibur Home loans not resolving the issue : Hi XXXX, I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that XXXX sent. The next document is the XXXX from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from XXXX was received at the County on XXXX/XXXX/15 and the XXXX Title XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to XXXX asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that XXXX processes XXXX XXXX XXXX 's taxes for them. 

I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else. I have also copied my loan officer on this email so if you could " reply all '' that would be helpful because she is trying to help me resolve the situation. 

Thank you, XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
On XXXX XXXX I applied for a Loan with SpeedyCash. I originally applied for a loan with XXXX but somehow got routed to Speedycash.com. The APR is 360 % and im charged interest daily since the start of the loan XXXX. I was unaware of the high finance charges when speaking to the respresentative. I called the XXXX number when I found out the loan was n't with the correct the lender. Also after further research I found they accepted my loan with incorrect information. My home address and license does not match what they have on file. I was suprised to find this out after following up with the agent. It 's unfortunate I lost my job after the initial loan take out which is why i needed more time to pay the loan back. The company has my current banking information. I wasnt able to find the Speedycash.com as a reputable lender. At this time I am not sure of what my options are. I could really use some guidance in how to pay back the loan minus the fees, interest, and stress. By the time I 'm done paying the loan i would pay double if not more. At a rate of XXXX on a XXXX dollar loan. 

SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Previously an account showed up on my credit report from Comenity Bank, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, XXXX XXXX XXXX XXXX is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on XXXX of my reports. I want this removed from my credit reports as this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: NE

Complaint narrative:
West Asset Management has been incorrectly reporting a paid medical bill as a collection to XXXX & XXXX. The reported date assigned was XXXX, with the date of first delinquency of XXXX. Original amount owed was claimed to be {$600.00}. This bill was fully paid by my insurance company, leaving only a {$30.00} co-pay. I paid that {$30.00} in full after contacting XXXX XXXX about this collection, after seeing it on my credit report, in XX/XX/XXXX. Any amount outside of that, is reduced or paid under a legally binding agreement with XXXX of Nebraska. I was never once contacted about this account by either XXXX XXXX or XXXX. 

- Further, XXXX has failed to provide any proof or detail of this debt upon request. 
- I was never contacted about this collection prior to seeing it on my credit report. 
- Multiple disputes with the credit reporting agencies have yielded continually erroneous and damaging information from West Asset Management. 

I have attached documentation as follows : - Credit card statement from XX/XX/XXXX, detailing the {$30.00} paid to XXXX XXXX for this " collection. '' - XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time. 
After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: LMS Services, Inc.
State: AL

Complaint narrative:
My office has been contacted repeatedly by LMS Mediation. It appears that someone having a debt gave them my office number. Today, rather than letting them leave another voicemail, I answered the call. I politely informed the caller, who said his name was XXXX, that he had the wrong number and that I had never met or heard of the person he was trying to contact. XXXX insisted he had used my phone number to contact his debtor on at least XXXX occasions in as many weeks. Once again I politely told him he had bad information. He then told me I did n't need to be an " XXXX '' and ended the call with a hearty " XXXX ''. 

I called the number left on the previous voice mails and spoke to a receptionist who told me my number would not be called again. The name of the company is LMS Mediation, the number is XXXX, and it is supposedly based in Michigan and owned by an attorney named XXXX XXXX. 

Like many, I XXXX for a company that has a large part of its business in XXXX. We have a large staff responsible for collecting this money and they do it by treating our customers with the respect and professionalism they deserve. I can tell you that companies like LMS Mediation make collecting debts the proper way much more difficult and just helps to solidify the smarmy, shady reputation the receivables industry has today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I sent a certified letter to XXXX XXXX on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, XXXX XXXX did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: Alorica Inc.
State: AR

Complaint narrative:
WEST ASSET MANAGEMENt is continuing to report on my credit report for a debt I believe not to be mine.XX/XX/2014 is the date showing to been opened and original creditor of XXXX with a balance of {$560.00}. 

I have never had XXXX and I also have had issues with mistakes on my credit report as myself my XXXX also share the same first and last name. We all have different middle names .when I first noticed this I called the company right away and as with all credit collection agencys or anyplace that says you may owe money you have to be careful when calling.i explained that this account is not mine and if they could please fix it.Before the woman even said a word to help she started with the '' this is an attmpt to collect a debt '' ''this call will be recorded '' its a good thing I also record my calls as well. 
As she was explained that this is an attempt to collect a debt ( Even though I called them to fix the issue ) I kept interrupting to let her know that this debt I believe is not mine. 

suffice to say I got nowhere she repeated she could not help me.Ibelieve this debt is not mine. She even wanted my ssn to look me up this was my first attempt to solve problems by myself and I got nowhere with them.if they have proof like a contract my signature or even what day or and address please let me know.i can provide documentation where I work and live for last couple years. 

I have even sent a certified letter of validation and have yet to hear back from this address that is on my reports : west asset management XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I requested a balance transfer with XXXX Credit Card at Comenity Bank which was never completed. They billed me for the {$1000.00} balance transfer amount plus the fee of {$10.00} but it was never received by XXXX XXXX. Because it did n't make it, I was charged {$20.00} in interest at XXXX XXXX. XXXX Credit Card is refusing to help with the matter. They owe me a credit to my account of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
To whom it may concern, XXXX finance, XXXX XXXX of XXXX, and there investors are continuing the felony harassment of myself and my wife. Every since we sent a complaint to Consumer Finance. gov, these companies have increased there harassment again. The most significant harassment happened on yesterday ( XXXX - XXXX - XXXX ) around XXXX at krogers on XXXX next to walmart XXXX XXXX. Aqua finance had some of there XXXX try and scare us as we were leaving the store. XXXX walked by us as we were leaving the store and said in a real low voice be careful and then once we got to our car that same XXXX got into a car that was parked right next to ours. As they drove away they yelled out something that sounded like SOON. We are n't leaving our home and we will defend ourselves by any and all means. If this continues we will involve the media! 
Note : We recently submitted a complaint on XXXX Finance 's Rip Off web site and I seen were this company along with there investors have had almost XXXX XXXX complaints filed against them! Why are these companies still being allowed to stay in business. Why are n't these XXXX being arrested! Whenever our case ends up in court, we will reach out to other victims of Aqua finance, XXXX XXXX of XXXX, and there investors. We will get the media involved and make sure these companies get exposed for the criminals that they are! 
It 's XXXX 's XXXX weekend and now these companies think there going to commence there Holiday Harassment! Today XX/XX/2015 these companies XXXX are going crazy, acting like they are going to hit us wth there vehicles and run us off the road. A typical holiday weekend for us!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I tried to purchase some items with my XXXX that is through Comenity Capital Bank. I was approved in store at XXXX with the highest interest rate of XXXX % due to my credit worthiness, I made a purchase and paid off the balance long before the due date. I had made some more purchases at the store not more than 2 or 3 weeks later and was under the assumption that my credit card was in good standing. Then I get a letter in the mail from Comenity Capital Bank on XX/XX/2017 telling me that I did not qualify for a lower interest rate on my account but they were excited to serve me as an XXXX card member. This letter is dated XX/XX/2017 and they had pulled my credit score on XX/XX/XXXX from Equifax with a score of XXXX. I tried to use my card on XX/XX/2017 at XXXX different locations and they all denied my transaction. I called the card company to find out that they had closed my account. I talked to a supervisor named XXXX from Comenity Bank who said her name would be in their documents if I needed to prove I spoke to a supervisor who gave me some answers after I had called the company 3 previous times the same day. The supervisor told me that they get their credit score from XXXX, even though the letter they sent me said their credit score was pulled from XXXX and told me that they had pulled some more information from all XXXX credit reporters and told me that the they reviewed my account, " audited '' my account and closed it on XX/XX/2017. I have checked all my credit reports and they all say that for XX/XX/2017, my accounts with Comenity Bank were in good standing. The supervisor also told me that the letter I received was sent in error and that no scores were actually pulled, but the fact that I have proof of a credit score number on the letter they sent me shows that the supervisor was not telling me the truth. All the bank keeps telling me is that I need to wait for the mail in order to know more about why they closed my account because they claimed to have no access to any records of why my account was closed even though they were the bank that closed my account. When I first had called, a representative had told me that there were notes on my account strictly stating to not re-open it. When i talked to the supervisor, she said that there was no way for them to re-open the account and that it was permanently closed and that there was nothing more she could tell me or do. She told me I would get a final bill, which I already paid off today on their bank website after getting off the phone with them, and their bank website still shows my account as completely active and does not indicate any issues. The only good thing to come from all this is that my XXXX credit report shows a hard inquiry from another credit card company that was never placed and am currently disputing it right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I called lawyer office on XXXX/XXXX/16 ( wed. ) which was recorded and told them I would be mailing a notice of the debt being beyond the Statues of Limitations in MI. The phone call was recorded and I told them not to contact me and she said she 'll put a cease and desist order effective that day. 4 days later I was served with another summons to appear in court on XXXX/XXXX/16. When I tryed to get the recoded conversation on XXXX/XXXX/16 it was told to wait until I talked to a supervisor. She returned and said she cant give me that information which violates the cease and desist order I placed per telephone if I can recover the phone conversation

Company response to consumer: Closed with explanation