vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Bank owners rob clients. 
I, XXXX XXXX, accuse the XXXX bank owners of conscious and notorious robbing clients by setting up accounts without overdraft limits. 

The bankers have set up this way a financial trap to charge clients illegal fees for overdraft. 

Oftentimes and not due to their own fault, people pay penalties of {$35.00} for overdraft of even a single dollar. 

The criminal procedure has been going on in the XXXX for decades, and as financial specialists estimate, people are robbed in the range of $ 40- {$60.00} XXXX annually. This is an intentional manipulation of bank accounts. 

The bankers absolutely can not defend themselves by the client agreement because in practice it is not an agreement for dictatorship. Once I asked a banker if he will open an account for me if I refuse to pay late/overdraft fees, he answered : NO. To a question if he can block my account when I use all my funds, he answered : NO. 

And the problem is very simple ; accounts should be blocked when the deposit is down to zero. 

This is how it 's handled in XXXX where I was in XXXX. The criminal system does not exist over there because the accounts are blocked when there are no funds in them. 
The XXXX banks, and along with them other financial institutions, commit the biggest theft in the history of this planet, which I estimate in trillions of dollars. I personally lost thousands of dollars in the XXXX banks because of this reason. 

Some of the richest people agitating and bribing influential people and use XXXX to achieve their dirty goals. This XXXX, and you as the government, you nothing can do with this, but I can do a lot in XXXX, this is my duty. 

In my writing to the government of XXXX you can read what penalties are meted out for wrong doing. However, very interesting is video on XXXX Wake Up Call. 

I, XXXX XXXX, request that you at CFBP initiate governmental investigation on these procedures. Please inform me if your legal status does not allow you to initiate this investigation, then I will send this accusation to the XXXX Attorney General. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I have asked Carrington Mortgage to stop calling me to sell me a refinance of an existing mortgage. They call every 10 days to 2 weeks. Last week ( XXXX or so ) I called customer service directly and asked them to stop with the calls or I would be filing a complaint. Here we are XXXX and I have a message on my machine " Update on my account '' with a phone number to call. I WANT THEM TO STOP CALLING ME! My loan is in good status and was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
On XXXX XXXX 2015 we sold our home in XXXX XXXX Texas, the mortgage had been sold to carrington. At closing, the escrow company paid the the taxes that where owed, they then sent a copy of the closing documents to carrington, showing that the taxes had been paid to XXXX XXXX tax assessor by the the escrow company. 
Carrington paid those taxes again. After numerous conversations and multiple attempts to resolve this with carrington, they have n't even contacted XXXX XXXX tax assessor to claim the refund. XXXX XXXX tax assessors website still shows the approved refund waiting to be claimed by carrington. Carrington has to file for the refund because they paid it. 
I should not have to wait to get my money when this is clearly carringtons mistake, they should refund my money immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We believe LoanCare is not calculating our monthly payments correctly and are overcharging us. They are overcharging for insurance costs. They also have our escrow monthly payment amount at {$520.00}! In addition to property taxes, they are charging us some fee called " Other Taxes ''. We are unable to determine what this is. We have made numerous attempts to contact this company via phone and email. We have never reached a person via telephone ; we have been on hold, more than once, for over 45 minutes in a loop that says all customers service agents are busy. We then sent an email, which, when finally answered ( email was sent on XX/XX/XXXX and the company responded on XX/XX/XXXX ), was a request for us to FAX our statements in ( I am attaching the aforementioned email ). This does n't make sense to us as they can see our account details and all the respective statements, costs and fees. Once again, the company not doing their due diligence in servicing our loan. Our original loan was sold to this company and thus far we are very frustrated.

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 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Currently in a short sale for my home. According to XXXX documents attached, I should be eligible for XXXX in relocation assistance. I have attached the mortgage companies request for mortgage relief documents. Carrington Mortgage is a participant in this program as is highlighted. I received a notice from the title person copied to the realtor that I was not qualified for the reasons stated on the very XXXX page of the attachment. Non of the disqualifiers are part of the eligibility criteriea given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I was never informed of any debit prior to calling me, the debit is not mine and I informed XXXX XXXX at NCC Business Services XXXX extension XXXX of this fact when the first call was made on XXXX/XXXX/15 at XXXX. Subsequently I was called XXXX more times in violation of federal law. This is not my debit. They have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made a purchase of {$33.00} on XXXX/XXXX/2015 at Target Stores.I did not know that I signed up online statement only. Usually. I do mailing statement for all my credit cards. This is a better way for me to follow up the payments. For this Target bill, I simply forgot to pay even though I got an email from the store because I get a lot of emails from all the department stores. I thought all of them are for advertising, therefore I ignored them. 
I know I have to pay some fees and interest, but I do not agree that I have to pay {$95.00} late fees for {$33.00} purchase even though it was XXXX days late. The late fees are almost three times of the purchase. This is definitely not fair to penalize me with a huge fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: TX

Complaint narrative:
The item has been disputed and closed since dispute but has not been removed. Reporting on all XXXX CB reports.

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 2016-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
There is an item listed on my credit file which is unknown to me for {$6100.00} I have disputed and requested validation several times with nothing ever confirmed. Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
This is in reference to complaint # XXXX that you do not allow the complainant to update information. I just received a collection call on my account that the company stated they would put on hold prohibiting any collection calls. The last person at LoanCare explained that when the IRRRL was processed, my escrow of $ XXXX was merged into the payoff. That is why my monthly payment was too high because my escrow is showing a negative balance, and now I am paying interest on the escrow amount added to the refinanced principal. PLEASE follow up and contact the company to stop the collection calls. In addition, this has been going on for over two months and no contact from the company. I am forced to constantly call them.

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 2016-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Good morning, on XXXX XXXX after attempting for countless months to get a loan modification with XXXX XXXX XXXX I receive a foreclosure notice from XXXX XXXX XXXX giving me less than 20 days to appeal. I file for Chapter XXXX and the rear payment was included, since then I was making the regular Mortgage payment to ( XXXX ) and the past due balance was being made by the Trustee. On XXXX of XXXX ( XXXX ) sold my contract to Carrington mortgage. Upon receipt of the notice I contacted Carrington to start making the payment to them, I was told that I would have to continue sending my payment to XXXX since they have not loaded all the accounts yet into their system. My first payment to Carrington Mortgage was XXXX XXXX and the months after up to XXXX XXXX. On XXXX XXXX XXXX I receive a notice address just to me stated my escrow was in the negative due to insurance and taxes increase, I pay the negative balance in full. I have attempted every day after up to the XXXX and was told that I 'm behind by 5 months that the minimum they can accept is 3 months. I ask them where did they applied the previous payment dated from XXXX XXXX and was told that someone would get back with me. I have waited until the next month when I have tried to pay yet again XXXX and XXXX was told the same story. My Bankruptcy lawyer have also contacted them to provide a payment history since XXXX have yet to get a reply to their notice. As of XXXX of XXXX I have all payments dated back from XXXX of this year waiting to be issue to Carrington. Every day I have XXXX my property to look for any foreclosing notice on my house. Recently we had a storm that had damage my roof and now the roof is leaking right in the middle of my bed when I contacted my home owner insurance was told that I could not file a claim due to my delinquency on my account. My home owner, property insurance is pay with my mortgage via escrow. I have made my last payment to the Trustee last month I 'm afraid that now I 'm no longer cover under Chapter XXXX they might take this opportunity to foreclose on me since the housing market is going up and I 'm no longer upside-down. 
Please help me save my house my Husband XXXX Veteran with XXXX his having more XXXX than usual because he 's afraid that we might be homeless any day. We are not qualify to purchase or renting other property since we just recently got out of bankruptcy. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I applied for a personal loan through LendingPoint LLC. I was notified via email and phone by their employees that I was approved for the loan and I was instructed to send in a paystub, bank statement, voided check for direct deposit, and a copy of my ID. After I submitted these items I received an automated email shortly after stating that they would not be able to grant me the loan that they stated that I was already approved for. 

I called the employee whom I was working with directly and they gave what may be a valid point about some negative items in my bank statement. But I was told that I was approved for the loan, not that I had to submit further paperwork to be approved. 

This to me is deceptive and misleading, and I was caught by surprise. I had already begun to make plans to use the funds that I was told that I was approved for, only to be told by them that they would n't grant me the loan. Maybe they tell customers that they are approved, when really they are n't yet, so that the customer will stop shopping for loans and go through them for the loan. Either was I feel like I was mislead, and I gave this company all of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is an update on the original complaint cas number XXXX Received a letter on XXXX XXXX. From Bank of America dated XXXX/XXXX/2015 that my mortgage refinance has been denied due to insufficient property value. Now I was under the assumption that they B of A were reviewing my complaint of my appraisal not being done in a professional manner and that my request for a refund of the appraisal was still under review.. What this letter is telling me is they have no intention of reviewing or refunding my money as the appraisal is so way off base and it would not benifeit them from refinancing my loan. I see this as an unfair and devious practice when they initiated the loan via when they sent me a letter stating I may be elidgable for a lower Interest rate. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Bank of America and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation