vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: WA

Complaint narrative:
Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.

Company response to consumer: Closed
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SERVICE 1ST MORTGAGE, INC.
State: TN

Complaint narrative:
Service 1st is targeting veteran mortgage holders with deceptive advertising and misleading disclosures that grossly underestimate escrow accounts and try to convince veterans to switch from low fixed rates to adjustable mortgages at extremely high costs.

Company response to consumer: Closed
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Jonathan C. Frank & Associates, LLC
State: OH

Complaint narrative:
I took out a loan through XXXX XX/XX/XXXX. I have been contacted by a law firm in XXXX called Jonathan C. Frank & Associates, saying that I owe {$700.00}. I live in XXXX and this company is in XXXX. I contacted XX/XX/XXXX, and my debt was sold to XXXX XXXX XXXX ... and the debt was for {$500.00}, verified by XXXX, and XXXX. XXXX XXXX XXXX told me that they sold it on XX/XX/XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of XXXX. None of this makes sense since I am in XXXX. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.

Company response to consumer: Closed
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices of Stage & Associates PA
State: FL

Complaint narrative:
Attorney XXXX XXXX has been sending several threatening foreclosure letters before the date granted by her client XXXX XXXX XXXX HOA for the amount of {$780.00} due no later than XX/XX/XXXX. This payment was paid in full sent on XX/XX/XXXX USPS certified returned mail and was available for pickup XX/XX/XXXX. My check # XXXX {$780.00} was endorsed by XXXX XXXX XXXX HOA president XXXX XXXX on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX HOA dues. I explained to XXXX XXXX that I have a statement from XXXX XXXX XXXX HOA with due date XX/XX/XXXX {$780.00}. She stated her letter dated XX/XX/XXXX for {$820.00} due by XX/XX/XXXX superseded XXXX XXXX XXXX HOA letter dated XX/XX/XXXX for {$780.00} due by XX/XX/XXXX. I am not an attorney but it seems against the law for XXXX companies to collect on the same debt and I believe XXXX XXXX is in violation of the FDCPA. I do believe Attorney XXXX XXXX should have waited after XX/XX/XXXX to start her legal proceeding which would have been understandable. However, Attorney XXXX XXXX continued her collection efforts on a difference of {$44.00} without verifying the accuracy of the debt. To make matters worse, on XX/XX/XXXX I received a voicemail from Attorney XXXX XXXX illegally disclosing that XXXX XXXX XXXX received my payment but she is still collecting on the balance of {$120.00} and that needs to be paid to prevent her from putting a lien of foreclosure on my home. To my understanding XXXX minus XXXX equals XXXX not XXXX. I also received XXXX more letters threatening foreclosure letters from Attorney XXXX XXXX demanding {$390.00} by XX/XX/XXXX and {$760.00} by XX/XX/XXXX. At this time, I have sent Attorney XXXX XXXX a certified letter disputing this debt. I feel I am being harassed by Attorney XXXX XXXX on a debt that was paid in full by the timeframe given by XXXX XXXX XXXX XXXX. At this time, I am in need of your assistance to stop the Law Offices of Stage and Associates, P.A. XXXX XXXX from placing a foreclosure lien on my home and to stop her aggressive attempt on collecting on a debt that I feel I do not owe. I have a copy of all documents mention above and my saved voice mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc
State: MD

Complaint narrative:
Debt was the result of a visit to the XXXX and was paid by the insurance copy. However, the collection agency continue to make claims towards this debt.

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 2016-11-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My father purchased XXXX savings accounts for me and my siblings in XXXX and XXXX. He passed away in XXXX and had given the savings certify ficates to my sister to hold for him. 
My sister whom forgot about them, did n't disclose that we had them until this year. 
Their have been XXXX bank mergers since the original opening. 
I have contacted the current bank which is Fifth Third Bank in XXXX, Ohio Ohio. This bank has branches in XXXX, FL where I first began my search. The Original bank was called XXXX XXXX, with branches in XXXX, MI and in XXXX, XXXX XXXX etc when they were first opened. This bank was later merged with the XXXX XXXX XXXX. 
I believe in XXXX XXXX XXXX was merged into another bank named Fifth Third. 
My sister and I whom is a senior citizen also, went into the XXXX XXXX, MI branch to cash them. They said that they would check it out with their main office, as they had no record of our CD 's. 
I then contacted the main branch located in XXXX, Ohio and spoke to a spokes person there for several weeks. I sent into then a death certificate of my father and copies of the CD 's. 
The answer from them was a dead end. They accused me or a family member of cashing them in, which never happened. 
My attempts have been endless either online and going into Fifth Third Branches in XXXX, FL where I now live. 
My sister is XXXX years older than myself and has XXXX. 
I do n't know what do at this stage after endless attempts to cash them. 
The bank has stated to me that the CD 's are worthless, and to rip them up. This a ridiculous statement to make to a citizen of the USA, and to be allowed to get away with this. 
My brother, has XXXX who I 've tried to include in my inquires. 
Hopefully, your department will be able to research my CD 's and retain funds after 33 years of opening them from my father. 
Hopefully, here I will be able to fill out the correct directives required by your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In my credit report is my x husbands credit card ( us bank revolving line ) which has not been updated since XX/XX/XXXX.My credit was pulled XX/XX/XXXX.This account was included on his bankruptcy as '' unsecured claims receiving disbursements '' I have contacted US Bank several times as it is on my credit report ( over the last two years ) .Last on XX/XX/XXXX via phone and XX/XX/XXXX and they can not find this account by account number, Social security numbers or either of our names, but will not take off credit report.I sent last certified letter to them XX/XX/XXXX they have received on XX/XX/XXXX and have not contacted me.Again I contacted them ( us bank ) XX/XX/XXXX they are still unable to find account but, it still appears on my credit report as negative.They send me from one person to another finally to automated line which gives address to send dispute to.I have done this now twice most recently XX/XX/XXXX and I can not get US Bank to respond.phone numbers called XXXX on XX/XX/XXXX and XX/XX/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 non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was researching to consolidate credit card debt. Lending tree rated a Chase credit card as very good. Filled out the application to see what l could qualify for. They stated on the web site, amount and interest % based on qualifying credit. The next thing I knew I was being congragelated for my new credit card! ( XXXX mins. ). I was never shown the terms of the credit card to either accept or decline before they issued the account! Whith in XXXX seconds I spent XXXX minutes trying to contact and speak to someone with Chase credit card support to decline the credit card. Very rude and condescending customer support. There only solution that was offered to me was to cancel the account, an account I never had the opportunity to view the terms of. I voiced my displeaser on the negative consequences of opening and cancelling a credit account towards my credit history report. Basically told " not their problem ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, was forced out of my home XXXX, by which US Bank, XXXX XXXX and its affiliates committed fraud, constructive fraud, civil theft, and breach of contract ; along with intentional infliction of emotional distress in order to provide them with leverage to be able to successfully foreclose on my home. 
Only as a result of my official complaint ( XXXX ) through the CFPB against U.S. Bank was I able to get ANY form of a response from their organization. As of XX/XX/XXXX, the Law Office of XXXX XXXX XXXX has instructed me to request U.S. Bank to provide me with the following additional documentation below:1 ) Life of the loan transaction history. 
2 XXXX Letter XXXX XXXX ) stating when payments changed. 
3 XXXX Court summons of eviction notice served by U.S. Bank on XXXX XXXX XXXX during the month of XX/XX/XXXX. 
4 XXXX U.S. Bank 's refinance/modification guidelines that stipulates how an applicant must be behind on their mortgage in order to be eligible for a loan modification. 
5 XXXX All decline letters for both refinancing and loan modification issued by U.S. Bank prior to XXXX XXXX XXXX every became delinquent with his loan payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead.

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 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on XX/XX/XXXX. They assigned the servicing to XXXX. We have paid for an appraisal on XX/XX/XXXX, which was completed on XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( XX/XX/XXXX ). We have a home equity line of credit with a local branch of XXXX, and the branch manager for that bank said they needed a copy to complete a subordination request. At this time, our loan officer at XXXX finally provided us with a Loan Estimate. The loan estimate shows a issue date of XX/XX/XXXX. Our rate lock has expired and been renewed four times. We have lost all confidence that XXXX will be able to close our refinance and are very concerned to have them service a refinance of our mortgage. We have also learned that they are out of compliance since the requested verification of personal information without providing a loan estimate.

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 2016-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am the XXXX for XXXX. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in XXXX XXXX, XXXX. This property is located at XXXX XXXX XXXX, XXXX NC XXXX. I wrote U.S. Bank Home Mortgage regarding this property on XXXX XXXX, XXXX. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to XXXX XXXX XXXX. The XXXX dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until XXXX XXXX, XXXX to pay the XXXX dues/assessments without a late charge. They have not paid that amount, nor have they paid the XXXX dues/assessments that was due by XXXX 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 monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have an US Bank issued XXXX XXXX XXXX that gives a renewal bonus of free night certificate ( XXXX ) valid for US redemption after spending {$10000.00} and paying the credit card annual fee. The XXXX was supposed to be issued within 6 to 8 weeks of meeting both requirements. I met the requirements in mid XXXX and I should have been issued the XXXX in late XXXX/ early XXXX. I have been contacting both US Bank and XXXX XXXX numerous times since late XXXX both by emailing and calling. They blamed each other for the delay and each told me to contact the other party as they are not responsible. After doing some research, I found out US Bank is ultimately responsible for the delay. 
After weeks of back and forth, I finally got a hold of an US Bank supervisor who verified my meeting the requirements and promised to " escalate '' this case with the rewards department. I was told that I will receive the XXXX within 10 days. That was a month ago. The supervisor even said that she 'll follow thru to ensure the XXXX will be received by me in a timely manner after I told her that I need to make a reservation for XXXX. US Bank failed me on many fronts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: U.S. BANCORP
State: OH

Complaint narrative:
To Whom It May Concern, I filed a XXXX Complaint after having trouble with obtaining some information about private student loans listed on my credit report dating back to XX/XX/XXXX. I requested copies of the original promissory notes and full payment history for all accounts involved. I received applications and no payment history. 

In my complaint, I mentioned there are duplicates listed on my credit report. Where XXXX claims there are XXXX loans, there are XXXX-XXXX listed. She stated maybe XXXX XXXX ( the loan servicer ) listed them also, but they are under no obligation to remove them. 

I also mentioned that due to the age of the alleged loans, they would have been removed ages ago due the 7 year requirement. My last date attended for Ohio State was in XX/XX/XXXX and any student loan I had, went into repayment in XX/XX/2006. Since no payments were made ( to any of my loans ) they would have all been defaulted by XXXX after 270 days of non-payment. 

These loans were taken out ( starting in XX/XX/XXXX ) XXXX years ago it is unethical to have it knowingly duplicated ... AND listed as a current debt. Please research into this as I am securing an attorney to help with the intentional and blatant violation of the laws.

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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was offered a balance transfer. No interest until XXXX 2017. I took advantage of special offer and paid the 3 % transaction fee. I have made my payments prior to due date and larger than required. The bank closed my account, did not state why. Then changed my interest rate from zero per offer to a default rate. They also more than doubled my monthly payment. I tried contacting them to resolved on several occasions this month spending more than 30 minutes each time. This is deceptive marketing. I believe due to the fact the closed my account could have negatively impacted my credit which could prevent me from seeking additional credit. I have not missed any payments on any accounts ever. They chose to make balance transfer offer and received offers from them on a monthly basis. Then as soon as I took advantage, they reneged on their " offer '' so they could charge me interest. The already took a large up front fee to take advantage of this offer.

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