vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
XX/XX/2016, I purchased a {$200.00} U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. 

On XX/XX/2016, unbeknownst to me, my card was debited {$160.00} for an online payment to XXXX power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with XXXX. In fact, as of XX/XX/XXXX, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. 

On XX/XX/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the XX/XX/XXXX unauthorized {$160.00} debit. I used the remaining {$37.00} on my card and then called U.S. Bank to dispute the {$160.00} charge. U.S. Bank asked me to submit my dispute in writing and I promptly did so ( Exhibit 1 ). 

On XX/XX/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). 

On XX/XX/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of {$160.00} will be made to your account on XX/XX/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On XX/XX/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. XXXX, a U.S. Bank phone representative, stated that after sending the XX/XX/XXXX letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. 

In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the {$160.00} to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card.

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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX XXXX, 2016 I used my mobile app to log into my account with US Bank. I received a notice that the site could not be accessed at this time. I tried again at a later time and got a message to call a XXXX number. I called the number and the person told me that they have no information except that the accounts I have are being closed due to fraud and that I have to talk to a branch manager. On XXXX XXXX, 2016 at XXXX am I talked with XXXX XXXX Branch Assistant Manager and he " unfroze '' my personal account but told me that my joint account with my son is being closed do to fraud. XXXX XXXX would not tell me who, what, where, how and why I am responsible to an incident relating to my son 's personal account. He did give me a REF # XXXX and a XXXX number to call to find out details about my account. I called the number and made contact with " XXXX '' in the Deposit Risk Prevention Department XXXX. XXXX told me that my joint account with my son is being closed and that any funds will be used to offset any loss in regards to my son 's personal account. I asked her what is going on? Why am I responsible? and to who can I contact to get the information in regards to my account. She told me that she had already explained to me that the account is being closed do to fraud on my son 's personal account and that she could not divulge any other information.

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 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I got divorced from my ex husband because he was n't good at money and he was XXXX. So after the divorce was final i paid and settled my account with XXXX debt collection agency. And i requested that i get a receipt showing i paid it. I had called US bank after that asking what was going. They did n't show anything on the account with the local branch and the customer service line. XXXX told me to call the recovery dept to see if i owed anything. And sure enough XXXX said i did. I do n't see how this is fair because the debt is paid off and second they should of communicated to XXXX about the account before having people call me and cause XXXX on me and my family. Well on XXXX XXXX or XXXX i received a harassing phone call from XXXX. XXXX told me i need to tell him if i am going to pay it or not. And if not then he will take me to court. Was n't friendly at all. So i was scared and cried after that. Poor service

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 2017-01-19 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
Helvey and assoicateds is trying to collect on a debt from XXXX that is incorrect. I stated this from my first cal with them and requested proof of the debt. They sent me over a ledger that clearly shows the last two months of service of being estimated and not an actual meter reading. This is being reported on my credit reports and should n't be as it is not a verified amount. The agent on the phone said I need to call consumers myself to handle this. If that is the case they should n't be allowed to be reporting something that they themselves do n't know if it is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: FL

Complaint narrative:
This company calls me several times a day wit a recorded message about tracking me. I called back and the woman on the phone told me that I defaulted on XXXX payday loans back in XXXX and XXXX. She claimed i owed over {$1500.00}. She threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had a checking and savings account with US Bank from around XX/XX/XXXX until XX/XX/XXXX or XX/XX/XXXX ( not sure on the dates ). Around that time I was purchasing some items, XXXX of these items were {$.00} cents each, and received overdraft charges for these items, I was aware that US Bank was capable of forgiving Overdraft fees in discretionary instances and asked them if they could do so. They told me that they would not reverse the overdraft charges to which I asked them to close my account and told them I would not be banking with them any longer. I have since not received one letter, phone call, email or any other form of communication from US Bank or any debt collectors on their behalf. On XX/XX/XXXX I received a phone call from a XXXX with the phone number XXXX threatening me with a lawsuit and telling me that I would be served within XXXX hours. They told me that I owed {$700.00} worth of interest that had accrued on my US Bank account over the last XXXX or so years and threatened me with a lawsuit in XXXX for damages of over {$3000.00}. I am currently interning with a governmental law office and in talking to some coworkers, I believe that this debt ( 1 ) was not fair in the first place, ( 2 ) had far surpassed its statute of limitations, ( 3 ) that if US Bank was trying to collect on a debt, they made little to no effort to contact me, ( 4 ) if US Bank did not close my account that day or shortly after as I asked them to and thought that they had, I received absolutely no information from them about my account still being open and accruing interest. Unfortunately I have no statements or anything from US Bank that I can upload at this time as I do not know what my account number is ( or was ) or how to gain access to it. I am also hesitant to call US Bank or go in to their local branch- as IF there is a pending lawsuit, I do not want to do anything that I am not supposed to do

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 2017-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have a loan with XXXX and i received a letter in the mail today stating that my loan will be transferred to a new company named LakeView Loan Care, LLC. I am under the impression that i am required to have at least 30 days of notification of said transfer. In addition i was notified that my due date was changed to 15 days sooner. Should I contact an attorney??

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 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
In XXXX XXXX we secured an RV loan on a XXXX new Bounder motorhome of {$56000.00} thru US Bank. At the time we specifically told the agent we would pay off the loan within the next 12 months and he said no problem and no penalty. Now here in XXXX XXXX we get the amount to pay off and they are going to charge {$200.00} early payoff penalty, totally the opposite of what their agent told us!!!

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 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Elan Fin Svs, Open an account in my name for {$1700.00} and said I paid them {$80.00} to open the account. I do not know anything about this account. I need some help with this problem, this is causing me trouble with my credit report. I think this was done on purpose the hurt peoples credit. How can someone open an account in your name without your permission?

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 2017-02-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
This Bank is preying and profiting on peoples attempts to rebuild their credit. My story is similar I thought my year was upcoming then I received a Savings Account Statement showing my Secured Deposit - so I called Their customer service is the most untrained, rude I have ever spoken to I inquired did if I received statement as my year was up, she replied yes - no answer when I pointed out it says nothing to that effect anywhere-Then when I asked how to get my deposit she said I could apply for unsecured or close account?? So I asked min qualifying score she said XXXX she thinks??? I said I wanted to cancel then and have my money refunded to which I was told today is XXXX XXXX you cant to anything after XXXX XXXX so I called back morning of XXXX XXXX and this time I was told if I wanted to cancel account I had to do it in writing and the {$29.00} membership fee I was also just charged was NONREFUNDABLE?? I asked if she couldnt waive and locate the documentation of my call two days earlier requesting cancel NO it does not matter your account will not officially close for 60 days FEE STANDS. Anyway the result of my year with USBANK consisted of the following I lent them interest free my deposit ( and contrary to website did not pay interest to me on Secured Deposit ) they held my money for a year, charged me interest and also by their methods that are NOT stated in any paperwork or on website I could find they either deny Secured Card or waiting another 60 days for refund and being charged for a year membership fee! The only effect for this card is NEGATIVE but I have during the year gotten unsecured cards - no membership fee I have reviewed all paperwork and website and this 60 day wait or process regarding refund of security deposit or procedure is not posted nor was it sent to me.

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 2015-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
Had home mortgage through US Bank. Wife got injured on job in XX/XX/2014, could n't make house payments. Tried selling house since then. Found job in another state and had to up and move for better job. Have been trying to do short sale since XX/XX/2014, with US Bank giving us the run around ( never calling us, never telling us the short sale expired ) and this has been going on from XX/XX/2014 to now. We 've actually had to let buyers go several times because US Bank has been dragging their feet on the short sale. As a matter of fact, we now have an offer again on the house but our realtor ca n't do anything because US Bank is saying once again that our application has expired so we are in the process of starting over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I presently have US Bank which operates my loan. I have paid them on time and the same amount for over a year without any issue. I am a good customer with a good credit score. 

I applied to US Bank for a VA Home Refinancing with Cash-out. I wanted to do home improvements and clean debt. My home appraisal came out to {$320000.00} and cost {$400.00}. During the initial process, I explained to XXXX XXXX and XXXX XXXX that I work for a captive law firm, and while my law firm was in existence for just over 14 months, the firm itself had operated in the same location, with the same client base for over 16 years. They said this would not be a problem. They were very responsive in the beginning, and i provided all documents timely. 

HOWEVER, all of a sudden they went radio silence. I find out the Underwriting team wo n't approve the loan because I do n't have two full years of business records for the firm. This firm employees over XXXX people and been operating in the same place and location for over 15 years. I had to leave five messages before I could get a call back to tell me the whole process was for not. When I asked why they did n't confirm underwriting would be ok with my situation before taking my {$400.00} for the appraisal, XXXX XXXX responded : " We do alot of business, to do thing, s one at a time would be too slow. ''

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