vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.

Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
The account was set up for automatic payment and 59 payments had all been paid on time. It was the last payment which was a different amount then the other 59. We sent in the payment to The company and the check was cashed. The company continued to send us unpaid invoices. We talked to them and showed them that the check was cashed. It took us several months to figure out that the check was cashed by another part of the same company. We both figured this out and we sent another check to the company at another address and they cashed it and all was paid. We are still waiting our initial payment back from the company. They still are reporting our payment as 60 days late even thou we showed proof that the payment was made and the check was cashed by their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A credit card bill over 15 years old. Charged off on my credit report. Still being harassed to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I made my payment on time for XX/XX/XXXX and XX/XX/2016 with Toyota Motor Toyota reported to the XXXX credit bureaus that I was 60 days late XX/XX/2016 and 30 days late XX/XX/2016. I called Toyota and they said that they see that I did make my payment on time both months and that it is an error. I disputed it and Toyota is stating that they are reporting it correctly. This error dropped my credit scores over XXXX points now I am being denied credit everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Over the past 6 months or more, I received on some occasions almost daily calls, sometimes even multiple times a day. They are all from different numbers and none of them leave a message. At one point my mother was called and when she answered the phone they asked for me by name. I am in no way connected to my mother 's phone number and her name is not connected in any way to any debt I owe. After this I called the number she sent me and was not told who they were until I provided personal information. I asked if I could check them out before I gave any personal information and how they gained my mothers contact information. They refused to give me an answer. I eventually XXXX the number and found out that the company was portfolio recovery and there were many others who complained about similar tactics being used. They continue to call using different phone numbers and never leave a message identifying themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is knowingly contacting me in relation to a debt that is over the allotted time period by the fcra. The debt was not mine to begin with but I am aware that the debt is past the 7 year cutoff. They have no business contacting me for any reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
These calls are coming in to my employment, cell phone and family and friends phones who this pathetic company should not even have..how did they get some guys number i used to be friends with? This guy contacted me on XXXX and said some XXXX are hounding him, looking for me. and stating that I have a debt that must be paid. They threaten by saying police will come and that i need to hire an attorney. sometimes they call at all hours of the day and say nothing, then call again and say nothing. These methods have to be illegal in some way?! Shouldnt they be forced to send state certified letters with seals stating that the debt is mine and then set up a payment arrangement of some kind? I get trying to collect debts but theres a better way than harrassing, IT NEEDS TO STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I had credit card XXXX account that was buy by XXXX XXXX Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had XXXX XXXX Credit. I open credit card with XXXX XXXX up on XXXX/XXXX/2014 and charge {$660.00}. XXXX XXXX sell the same account to Portfolio Recovery I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with XXXX XXXX in XXXX, I have not received any information yet

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX/XXXX/2015 at XXXX while making a deposit at the US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona I was not permitted to exit the bank.. The doors were closed for seconds before I requested to exit the US Bank. My information is found on the video surveillance which proves the continued harassment made against me by the US Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on XXXX/XXXX/2016. I called them on XXXX/XXXX/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representative if they could call the law firm and ask them to postpone the hearing while I worked out a short sale. She told me that it was in review and that they had no sale date and that everything got put on hold until the modification was out of review. Based on that information, I did not attend the hearing on XXXX/XXXX/2016. However, I received a letter this week from the attorney that a sale date had been set for XXXX/XXXX/2016. I am just looking for them to postpone the sale date so I can work out the short sale. I have an investor who wants to buy 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 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have been a member of US Bank for the past five years and I have a strong relationship with the branch located @ XXXX grocery store # XXXX, the employees arealways so friendly and caring about me. However every time I call their phone bank department @ XXXX I feel discriminated against for being transgender. My voice sounds like a female but my name is typically used for boys ; therefore they always deny service and ask me to go the branch and present photo ID. I understand that it 's for security however when I go to the branch and present photo ID i expect them to notate their system of record and take a photo copy my ID so that going forward I can be serviced in their phone bank department like any other customer. Instead there always incredibly rude and ask me to go to the branch and show photo ID. It 's ridiculous I should be able to use all the banking tools available to every US Bank customer. Due to my job schedule, sometime I find it very hard to go to the branch and I want to use the phone bank dept. but I feel discriminated against every time I call. I have told them several times my situation and they continue to be discriminatory against me. Also there is no communication between departments. Sometimes I get lucky enough and I 'm able to speak to a rep. with no issues but as soon as they transfer me, it starts all over.. I have to answer several verification questions and then at the end they tell me to go to the branch.. I just feel so hurt sometimes, because they were my first bank ever and I just feel very discriminated against and not wanted ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
First BankCard ( XXXX XXXX issued Visa Credit Card ) emailed me my credit card statement for payment due on XXXX XXXX, 2016 of which i immediately as i always do send payment of {$230.00} ( above required payment ) through XXXX XXXX XXXX Billpay. The payment reached and was posted to First Bankcard on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received another emailed statement stating my payment had not been posted. I generated a payment history on my XXXX XXXX XXXX bill pay and shows my payment was indeed paid and posted to First Bankcard on XXXX/XXXX/2016. I received yet another emailed statement on XXXX/XXXX/2016 stating my payment due was doubled to {$460.00} and my prior payment had not been posted and the new payment was due XXXX/XXXX/2016. Now i am considered delinquent. I contacted First BankCard on XXXX/XXXX/2016 at XXXX am eastern time and explained they were misleading their cardholders. Is what they did is emailed me a statement on XXXX/XXXX/2016 with payment due date of XXXX/XXXX/2016 but make their statement cycle end date of XXXX/XXXX/2016. So when i made my payment and it posted on XXXX/XXXX/2016 First bankcard employee stating my payment was posted to principal for the prior month cycle before XXXX/XXXX/2016 ( XXXX/XXXX/2016 new cycle starting ). So now since i am thinking my payment was posted and not worried about it until the following month they did not post my payment to the new cycle causing me to believe it was paid and misleading their cardholders. That small time gap makes people think their payments are posted to the new billing cycle but are fooled when the cycle actually starts days later and the payment is posted hours or days earlier. I want any negative comments posted to my credit removed and i want First Bankcard to remove any notations of me paying my bills late within their system which could jeopardize my low fixed credit card interest rate with first bankcard. remove any late fees also to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank at XXXX , branches are XXXX run by XXXX teller actions to discretionally deny service to customer and close their account. On XXXX, I commented on a Sr. Teller/ about her unwilling to answer a quick question which she may not know, yet got offended, she shut out the window to my face and told me " You do n't talk to me like that. ". Then she further boycott me with her cohorts in another close branch to deny my service. Three months later, I went to pay my credit card with cash and was denied service which caused credit card fee from {$27.00} to {$290.00}. Then the complaint was addressed to regional manager who " joined '' as cohort to close my checking account to XXXX customer. They acted more than " queen and king of the hill '' in manipulative, abusive conduct which I was more than shocked. I would advised ANYONE NOT TO DEAL with this crooked US BANK for your own protection. Do NOT empower this bank to damage our community and our life.

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 2016-11-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. 
Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. 
I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. 
I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had my account open for roughly 3 months. In that time, I have had roughly XXXX overdraft charges with a majority of them due to the bank 's way of routing the debits timing and what is made available or not. There is no doubt they make available smaller amounts to induce small debits, especially through the weekend and then charge {$36.00} for every XXXX of the debits done believing there were funds available ... which there were hence the transaction allowed to be completed.

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 2015-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
RE : Follow Up Documents to Complaint # XXXX I have just received an auto response email from your office, thank you. 
Please know it appears that US Bank is partially completed a review of my accounts and has requested an additional 60+ days to formally reply to your office and me personally. 
Therefore, it is my request to ask that you join this complaint with the original in an effort to insure they have ALL of the documents available to them, that may not be a part of their electronic records. I would appreciate your help with this as I do not want to do anything wrong but need to stress the importance of these attached documents. When I first filed the Complaint I wanted to include them, but taking care of our XXXX daughter XXXX did not allow me the time I needed to convert certain documents in to appropriate formats for transfer and viewing. 
Thank you for helping our family, XXXX XXXX

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