vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I was off work for several months due to a medical issue causing all of my bills to be past due including my mortgage. When i called to make a payment to attempt to reduce the delinquency they refused to take a payment unless i scheduled 2 payments since i was past due. I scheduled the 2 payments in XX/XX/XXXX letting my utilities go which lead to them being turned off. i need to make the full payment on the utility to get the service back on leading to additional missed mortgage payments. I submitted a payment in XX/XX/XXXX and again in XX/XX/XXXX via XXXX. They rejected and returned my XX/XX/XXXX payment have have refused to accept my payment. I need to move my missed payments to the back of the loan and i have submitted a financial statement to them hoping they will work with me. I am back to work and can make payments going forward- but I can not make up the past due amount. I can also schedule monthly or bi-weekly payments if they will work with me -I just can not submit the amount they are asking that is past due. I do n't want to lose my home and need help working out a repayment plan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
This is my third follow-up to obtain resolution for US Bank error. Please reference Case Number XXXX and Case Number XXXX. I have included the original complaints and letters from US Bank promising resolution. 
The issue that remains unresolved is US Bank has failed to adequately resolve adverse credit reporting related to their error and misplacement of a check. The misplaced check that was to pay-off a loan and the failure to correct my credit record has had a financial consequence to me the consumer. US Bank fully acknowledges that a check in the amount {$3600.00} was submitted to their bank to pay-off my auto loan and their staff misplaced the check. They fully acknowledge that they have been uncooperative in resolving this matter. They fully acknowledge that they are the sole cause of this issue. They have agreed in an XXXX XXXX, XXXX letter and XXXX XXXX, XXXX letter to correct the erroneous information with the credit bureau. 
On XXXX XXXX, XXXX, I obtained a copy of my credit report. The credit report shows that US Bank reported late payment of my auto loan. This negatively affected my credit score and adversely costing my more money in the form of higher interest rates and premiums. 
After review of my credit report on XXXX XXXX, I met with and provided XXXX ( the XXXX XXXX XXXX Branch Manager ) with my current credit report and letters from XXXX XXXX. XXXX contacted XXXX XXXX and called promising resolution. As of today, XXXX XXXX, XXXX at XXXX XXXX, US Bank has failed to contact me on status of resolution. It is obvious that US Bank does not give a whiff about resolving issues they caused their customers. It is obvious by US Banks actions and lack of actions that they do not care if the mistakes they cause end up costing their customers money in the long term. Unfortunately, it is obvious that US Bank does not feel they are accountable to the law, customer or to the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TN

Complaint narrative:
XXXX I started falling behind on XXXX payday loans.I got on the internet and started looking for a payday resolution company that could reduce my payments so that I could continue to pay and I wanted to pay because I did owe so I saw global client solutions and I called and got information about their program the man that I spoke to told me what to do and I did.the first thing he told me to do was close my account and I did and it cost me almost XXXX $ .he told me the program was either 8or9 months I pick which one I want and that they would stop the interest and split my payments in half and that they would set up me an account and hold my funds until they could reach a settlement with the lenders.I asked him would the lenders continue to call me once I hire them he told me no.I found that to be a lie very soon and when I called him about it after my second payment he got a attitude with me.I felt something was wrong then.well global took the case then they turn it over to XXXX XXXX they are the ones that are suppose to settle your account with the lenders but I kept getting letters about my loans saying they were not being paid on at all they debited my account for three months for XXXX which totaled XXXX they told me they had settled XXXX account for XXXX that was a lie they told me they were paying on my XXXX loan for XXXX only to find out they have paid no one I filed a complaint with FTC and since then I got a email saying I 'm not do a refund from larger consulting group because of all the fees.but global client sent me a courtesy check for XXXX for all fees paid to them.they advised me not to contact them any further only contact larger consulting.please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX, they have broken the law in Florida. Then they refused to pay my insurance for XX/XX/XXXX-XX/XX/XXXX- thus breaking the law again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 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: U.S. BANCORP
State: CT

Complaint narrative:
I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Multiple charges were incorrectly debited from my account due to merchant error. I disputed the ones I could not resolve on my own and resolved the rest with the merchant. These charges resulted in overdraft fees. US Bank informed me that I would not need to dispute the charge to get the overdraft fees refunded if I resolved the issue on my own. US Bank has only issued a refund of only some of the charges and I have been trying for the past two months to resolve the rest with no luck. Every department/group believes it is someone else 's responsibility or a customer service rep will inform me that refunds are being processed only to find out this is not true. I can count at least XXXX separate phone calls from me to US Bank trying to resolve this. 

US Bank does not provide statements that show an accurate or reliable way to account for overdrafts due to " holds '' or debits. This is also causes the consumer to not get an accurate understanding of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
U.S. Bank paid out of an escrow account for Loan # ending in XXXX for a property insurance policy other than the property assigned to this loan. When the error was brought to U.S. Bank 's attention they not only refused to correct the error, they refused to discuss the matter with me, the account holder, and insisted on discussing it with only my insurance agent. The matter was never corrected. U.S. Bank refused to accept the loss due to their negligence and have withheld the money paid out in error from the loan pay off on XXXX XXXX, XXXX. I understand the law requires reserves and accounting for the escrow fees within the monthly mortgage payment. This is not the issue here. The problem is that U.S. Bank, through their own incompetence created the shortage in the escrow account and refused to correct the problem. Instead they merely demanded that I, the mortgage holder, make up the shortage they created by carelessness in their accounting. This is a habit of U.S. Bank. I closed my checking accounts with them due to their processing debits from another person 's account through my account instead and denied this to be fraud. They have made up fees and charged my account for items I did not purchase because they chose to without cause or reason. They have withheld funds illegally claiming their accounting allowed this. The most recent was at payoff of this loan on XXXX XXXX, XXXX. The account was paid up for XX/XX/XXXX including the mortgage insurance of {$51.00} for XXXX XXXX. However, U.S. Bank held the funds for the mortgage insurance for XXXX XXXX, XXXX XXXX and XXXX XXXX, as well as the escrow shortage from their admitted disbursement error. 
I am appealing to this board to investigate U.S. Bank 's form of accounting, correct same and return my funds of {$710.00} for the property insurance policy paid in error and the {$100.00} in mortgage insurance and the {$230.00} in the escrow impound that should be returned to me from closed escrow account since loan is now paid off. The total U.S. Bank owed me is {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded.

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 2016-04-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. 

With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. 

XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. 

Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Onward Credit Holdings, LLC
State: MD

Complaint narrative:
Lender has continued to contact my place of business after they were told to stop immediately. They have constantly harassed me and may cause me to loose my job by continually doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I had a credit card issued by my credit union. Since the credit limit was so small, i almost never used it and it was sitting in my safe for a year. I was checking my credit scores online and noticed I had a missed payment on this card so I tried to go online and see what it was, since I had n't used the card. My online account was locked out because by this time I was in collections. At least this is the reason i eventually got. I made several calls trying to clear this up and it went into a fraud investigation. By the time they did anything about the fraud charge, now i have XXXX missed payments on my credit report. I called a XXXX times and sent a dispute letter to try and fix this problem, to no avail. The response I got back was that the account is not reporting, but when I look on XXXX, there it is. The last call I made to them got the usual transfer around and then to a voicemail box I have n't heard back from. This it typical, usually i finally either get lied to that it is fixed or transferred and hung up on. I got the card through XXXX XXXX XXXX XXXX, it is serviced by XXXX XXXX XXXX, which I think is part of US Bank. If I had known the credit union was n't servicing the account and would n't help me with any problems, I would never had accepted it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief