vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I purchased my condo with a US Bank loan back in XX/XX/XXXX. I refinanced my loan through them earlier this yr. because my current financial situation is n't very good. The bank performed VERY poorly & caused me PLENTY of distress. 
I spoke with Mortgage Loan Processor XXXX XXXX the week of XX/XX/XXXX & our conversation was recorded by US Bank. She told me my line of credit would need to be frozen to go through with the loan so I said OK & asked when will the line be frozen, she said after the loan is completed. 
I attempted to draw on the line XX/XX/XXXX ( via check # XXXX ) & it did n't go through because the line had already been frozen. I discovered this on Mon., XXXX XXXX & my Refi. loan HAD NOT been completed yet. As I needed the $ $ to cover withdraws from my checking account I immediately envisioned checks not clearing, insufficient funds to cover my mortgage, my refi. not going through & my credit rating going down the toilet. ( I 've been very careful & prudent for many yrs. to keep my FICO score very high. ) As of today, XXXX XXXX, the bank has chosen to largely be silent about my troubles even though they know they 're guilty. 
Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: U.S. BANCORP
State: MN

Complaint narrative:
U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
i am having a problem with us bank home mortgage i started chapter XXXX the week before my house was for sheriff sale so that stopped the sale so i payed into chapter XXXX for XXXX year until i could not afford to make payments to bank and chapter XXXX so my case was dismissed but before my case was dismissed us bank stated i could do a modifacation so i did because my balance dropped down from XXXX to XXXX now they say they took my house back i do not understand what happen they said they will not send my modifacation papers through because they own the house but i keep checking with the sheriff and the house still belongs to me i have been here for 15 years please help me understand what is going on and did i loose out on my money trying to keep my house.

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 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank : XXXX/XXXX/17 : Trying to make a payment in my fraudelent accounts and being rerouted from XXXX department to another. Making my account even more debt, and no resolution and no result. Not liable to this accounts : Reserve Line XXXX and Credit Card ending in XXXX with adding late fees and interest charges and cash advances when not making purchases, making payments and not responding to my requests & disputes & messages and only rerouting, and blaming XXXX department to another. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a credit card with US Bank, a XXXX XXXX Personal Visa Card. This account was opened in XX/XX/XXXX about XXXX months ago. 
They just sent a communication they are cutting a core benefit of this card on XX/XX/XXXX, A XXXX hotel night will no longer be offered when booking reward stays of XXXX nights or more. This was the primary reason I opened my account. 

As part of the Card Act / CFPB rules, I thought issuers were not allowed to XXXX cut card benefits in the first year of cardmembership, and XXXX charge an annual fee for a benefit ( Which I paid at opening ) and then remove that benefit in the same year the annual fee is paid. 

I feel I was seriously deceived and misled and deserve a refund of my annual fee at the minimum, and additional points/compensation for a credit pull under false pretenses. 

Thanks for the help, XXXX

Company public response: Company 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 — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Carrington Mortgage Loan # XXXX - This is the second time I have contacted you regarding Carrington 's business practices. You were successful on the first matter, thank you for that effort. I had serious financial matters earlier this year and my home went into foreclosure. I contacted Carrington and asked what I could do. We agreed that I would bring the account current. However the amount due would take XXXX5 days to pull together. I waited and was given a amount to pay to re-instate my loan. That amount was paid, and I begin to make my normal monthly payments of {$1300.00} in XXXX 2016. Since then my monthly amount due has been varying. I was informed when paying the back due amount their maybe a straggler fee coming in late. So when the first abnormal payment due I went ahead and paid it. The second time an abnormal amount was requested, 2 months after the reinstatement I called to inquire about what the charge was this time. The associate had to research it and came back and told me it was a title charge of some type, I paid that. Last night when attempting to get my 2016 tax information I noticed another additional charge, this is now going on almost 5 months since I settled and had the loan re-instated. An associatre again had to research it and came back and told me again it was a title charge of some type. I asked why I had been notified of the mysterious charges and explained what they were for, I got no explanation. I stated that this has to stop you ca n't just keep arbitrarily charging me more money with no explanation after almost 5 months. I asked why their phone system was stating my payment due was {$1300.00} and records on their on-line system were indicating {$1400.00} almost {$75.00} more than the normal payment. Charging a customer an arbitrary amount with NO explanation even after calling and speaking to them in person requesting an explanation and not getting an answer to me is below standard customer service. Practices like these open up serious possibilities for abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: NCC Business Services, Inc.
State: VA

Complaint narrative:
I am XXXX XXXX XXXX, and someone who knows XXXX XXXX or XXXX XXXX used my PII as a XXXX XXXX ( XXXX XXXX 's husband I suppose ) to rent an apartment at XXXX XXXX in XXXX, XXXX ( who turned the debt over to a NCC Business Services in XXXX, XXXX XXXX ). They claim I damaged an elevator to the tune of {$2000.00} and I have lived in my home at XXXX XXXX XXXX in XXXX, XXXX for the past 25 years and my marriage of the last 13 plus years is solid, so I have no idea how I became the victim of this identity fraud. I work for the XXXX for the past 13 years and was notified that PII for all government employees has been compromised and I have put a lock on my credit with a security alert. I have notified XXXX XXXX and NCC by email and in writing that this is not my debt and a fraudulent attempt to obtain monies from the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare is my fha mortgage bank. I was in a vehicle accident XX/XX/XXXX. Was released XX/XX/XXXX. Had to do months of theraphy. Was able to borrow money to pay back mortgage that was not paid because I was in the hospital. My company allowed me to return to work in XX/XX/XXXX. 
I was behind again {$7900.00}. I borrowed money from my XXXX to pay that. My girlfriend was helping me with keeping up with my bills. We have broken up. XX/XX/XXXX, last month I woke up like another instance I had last year with a thought on my mind and it was my morgage company. 
I had sent them a check to them, two weeks before for XXXX dollars. They sent it back with a note saying it was not enough money. So last week I woke up and remembered. I got on their website to get their number and came across another number for assistance in making payment arrange ments. Talked to someone about payment arrangements. She said she could help. We called on a XXXX way call on XXXX XXXX, and thats when I found out the house had been sold on XX/XX/XXXX. 
I also sent a check that morning for {$3000.00}. Found out this morning they had cashed the check leaving me with an overdrawn bill with my bank. Thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have had several issues with my Chase Freedom credit card. 

1. A couple of years ago I discovered a service attached to my card that i had never authorized. It was charging an additional 1 % of my credit card balance as some kind of " account protection ''. An example of this unknown service would be " payments would be made to the card I was incapacitated and unable to make my payments. This service subsequently increased my 12 % APR card to a 24 % APR Card. 

2. In the last year I have found XXXX transactions on my account and billed using " Online, Mail, or Telephone transaction ''. I disputed these charges and was rewarded my money back. This was some sort of business institution charging this card. To me it appears that Chase is performing these charges on user 's accounts and charging interest on these fees. 

The actual transaction : [ XXXX XXXX DEDUCTIBLE Adjustment Hide details about this transaction This transaction posted on XXXX XXXX, 2016 Additional merchant and transaction information XXXX, PA XXXX US Online XXXX Mail, or Telephone transaction ] I asked the chase representative if they would perform an audit on theses charges. They seemed very dismissive with me. Meanwhile other people have been charged these finance charges and paying interest on these charges. 

To the best of my knowledge this has not occurred on any other account. My perception of this is Chase is performing these transactions to generate revenue and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX XXXX, 2017 I opened a checking account at BBVA Compass. A few days later they closed the account without warning. I had n't yet used the account other than successfully depositing the required {$25.00} opening deposit. As of XXXX XXXX, 2017, they have yet to return the {$25.00} to me. Despite my three phone calls made to BBVA, they have n't made any attempts to give me back my money or give me an estimate for when I should expect either a mailed check or when I can go into my local branch to have the funds returned to me in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We have a mortgage on a condo in FL. We have been making regular on time electronic payments for close to 22 months. In XXXX 2016 the mortgage servicing company did not post our payment. Our bank statement showed that the payment had been sent, the amount deducted and received. The transaction was marked completed by the bank. I called the mortgage servicing company and asked them to check on it. XX/XX/XXXX came and I made the payment and the same thing happened. The money was deducted but the mortgage servicing company again did not acknowledge receipt. I have made a call per week to the mortgage servicing company with no satisfactory resolution. Yesterday I received a certified letter telling me that we are in default. Today I have again made calls to the mortgage servicing company and my bank to send proof of payment.

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 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA Compass Bank initiated an unnecessary legal action, by a XXXX manager that resulted in outrageous legal bills that I had NO control over. I should mention that prior to this incedent, I was a BBVA Compass customer for over 10 years without XXXX blemish through XXXX of loans and mortgages. During the litigation process, the bank and its outside counsel conferred frequently and needlessly known full well that under the original loan documents, I, as the borrower, would be responsible for the legal bill. I firmly believe that this legal bill was extremely inflated and I was forced to pay the full amount of {$50000.00} when I paid off the loan. What is disturbing is that the bank refused to provide any documentation or copies of legal bill at closing, stating if the full amount was not paid, immediate foreclosure would be executed. I repeat, I was forced to pay {$50000.00} WITHOUT any copies of legal bill. 
The bank claimed legal bill of {$50000.00}, My legal bill from an attorney I was forced to hire to defend this unnecessary action was less than {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare has refused to make available our mortgage statements. We have requested this several times since our statements used to be able to be accessed online until we fell behind and within months we have no access. Since we have no access online we have no access to mortgage information or statement. We have called now over XXXX months and it has been promised but instead we get served foreclosure. We have not been given a notice of intent or acceleration. 
LoanCare have NOT : 1. made available our mortgage statement after many request 2. our access to our online account is no longer available 3. sent out any notice of intent 4. sent out any notice of acceleration 5. loan resolution packages

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 2015-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
We were contacted via mail and phone that we had failed to pay our XXXX 2015 mortgage payment. We advised that we had made said payment and faxed a copy of our bank activity print out to confirm that the payment had been sent, received and deposited. A few days later we were contacted again demanding payment and they had no record of a fax being received. We were told to contact another party to handle the missing payment and fax. When asked to be transferred to her desk/office ; we were told that she as unavailable and to leave a message. As of this date our messages have not been returned. Again we were contacted via phone and sent correspondence of our failure to pay XXXX 's payment. Again we advised that our payment had been sent electronically and we had our bank statement to verify same. We were given a address to mail the copies of our bank statement ; to which we complied. Again we were called and contacted via mail that we were in default and we had failed to make our payment. We advised that we had not only mailed a copy of the electronic check but had mailed a copy of our bank statement verifying that the payment had been made and received. 
On XXXX, we received a packet requesting that we fill out for third party authorization and assistance on our loan per our request for same. At no time have we made such a request. We have had nothing but trouble with this company since our loan/mortgage was sold. We have never failed to make our mortgage payment to Carrington or to XXXX and to have our mortgage sold to a what is nothing more than a collection agency that has numerous complaints for its deceptive practices is alarming. 
In addition, Carrington failed to pay out property taxes but insisted that they had ; it took 2 months to resolve this issue before the taxes were paid with a penalty. 
This company has sent written notice of its intent to pursue other action and to report this as a negative on our credit report. 
It should also be noted that our bank has also sent documentation/verification to Carrington that the payment was sent, received and deposited. 
After filing a complaint with BBB, we received written notice of intent to foreclose on our home. The correspondence stated again that we had failed to pay XX/XX/XXXX payment. Today we received documentation advising us of our rights under the Servicemembers Civil Relief Act. When will this nightmare end! We have done everything that has been asked and provided documentation that our payment was made. I want credit for my payment, removal of all late fees and charges and all if any negative information sent to any credit bureau be retracted/removed immediately. 

Based on this company 's history ; it should be investigated by the Attorney Generals Office, Federal Reserve, Federal Trade Commission and the FBI. We intend to file a complaint with each agency and legal litigation unless this is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
This company has taken our dream and crushed it beyond repair. They have misapplied all my payments. The taxes were incorrect on our property. I started in XX/XX/XXXX submitted the corrected bills, they still did nothing. Now it is XX/XX/XXXX and we are still at square one. Total, I have submitted the needed paperwork XXXX times. They have the account so twisted, I am not sure what kind of money I should have in escrow and what should have been paid back to us. Please help us. They are trying to take our house away. We are XXXX time homebuyers and wish we could just get some help. I contacted the XXXX and this company has not responded to them either. Please please please we beg you to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: NCC Business Services, Inc.
State: AL

Complaint narrative:
NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION

Complaint narrative:
Yesterday I went online banking and was shocked after XXXX charges from XXXX for XXXX and XXXX for XXXX pending transactions, that I have Not made.I called the Bank Bbva Compass To stop those payments and block my card. They told me that will send a dispute form, but they ca n't stop the payment To merchants. Later I searched for those companies, and XXXX has the phone XXXX Business hours XXXX-XXXX Mo-Fri Eastern time, so they are closed during the weekend.And for the XXXX company I could n't find any information. I do n't buy online on websites different from XXXX or XXXX, so I do n't recognize any of these purchases. I keep my credit card in a safe place and last time I used was Saturday XXXX XXXX, To book a hotel through XXXX, that I cancel inmediately after the charge was made because I had untill XXXX XXXX To make changes To the booking. 
If the Bank is Not Protecting me from these frauds, what can you do To HELP me? 
I Realty need to avoid the charges, even on Wednesday I called the XXXX To search for a merchant XXXX that was offering discounts during the weekend forXXXX. So I dd Not buy or even contact the Company. 
Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief