vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, For the past 16 months US Bank has been the mortgage holder on a XXXX home that I own in New Jersey. During that time on roughly 4 separate occasions they have sent follow up mortgage statements that imply ( but do not explicitly state ) that my payment is past due. These follow up statements have been generated and sent BEFORE the payment due date and AFTER my payment is made. The first three times this occurred I was told by US Bank it was simply an automatic system generated statement and I can ignore it. This happened again and when I called US Bank on XXXX/XXXX/2016 I was told by a US Bank supervisor that they are required by federal law to generate these followup statements. According to US Bank for the payment that is currently due they have to send out a follow up statement 30 days after a previous payment is made and the payment that is currently due has not shown up in their system yet EVEN IF THE CURRENT PAYMENT IS NOT PAST DUE. In the most recent incident, for the payment we sent them ( due XXXX/XXXX/2016 ) the check had been presented to my bank for payment. I verified this through my bank 's website. 

There is nothing to indicate on these follow up statements to indicate that it is a reminder notice or any verbiage stating " If payment has been made please disregard ''. I believe that would go a long way to clearing up this confusion. 

I have also found US Bank to be rather slow in processing mortgage payments. We have tried to send our mortgage payment a little early to aleviate this issue but after the most recent conversation with US Bank it seems like that does nothing to solve the problem. 

I have never been late in making a mortgage payment to any financial institution on any property I have ever owned. I have also never heard of any federal law that requires mortgage holders to engage in the aforemetioned process. In my opinion by engaging in this practice US Bank is trying to coerce its customers into accelerating their mortgage payments. 

Any assistance you can offer in helping resolve this issue with US Bank would be appreciated. 

Feel free to reach out if additional information is needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I learned that the US Bank FlexPerks Travel Rewards Visa Signature card and the US Bank FlexPerks Business Edge Travel Visa Signature card had a special promotion for the XXXX 2016 Olympic Games in which new cardmembers would earn a certain number of FlexPoints depending on the number of medals won by the US Olympic Team. The link for the promotion is found here : XXXX In short, each card offered a XXXX FlexPoints Enrollment Bonus for spending {$2000.00} within the first four months of account opening, as well as XXXX Bonus FlexPoints based on the number of metals Team USA won at the XXXX 2016 Olympic Games this month. 
I have been waiting for this promotion for years, as I have wanted the US Bank FlexPerks Travel Rewards cards for myself personally as well as my business, but I wanted to wait for the Olympics promotion. As soon as I saw the promotion, I applied that night, and was approved later the same week. For the personal card, my friend asked if I could use his referral code, so I thought I would help him out since he would get XXXX FlexPerks and I would get my XXXX Enrollment Bonus plus the yet-to-be-determined number of Bonus FlexPoints for the Olympics. 

After the Olympics ended, I had already completed my {$2000.00} spend on each of the XXXX cards. I saw that the XXXX Enrollment Bonus points had already posted, but nothing from the Olympics had posted. 

I then emailed US Bank and asked to confirm that I would receive the Bonus FlexPoints from the Olympics. 

The response I received was this : " Our records indicate that this account was not applied with the Olympics promotional offer. In addition, you are not able to combine offers. Therefore, you could not apply with a Refer-a-Friend offer and the Olympics promotion. Therefore, you will not earn bonus FlexPoints for medals won by the United States at the 2016 XXXX Olympics. Please contact us again if we can be of further assistance. '' I feel very disappointed and slighted out of the bonus I had been patiently waiting years for and had rightfully earned based upon the promotional terms, which do not state that Refer-a-Friend applications are ineligible. I feel that I am being punished for using my friend 's FlexPerks number in my application in order to give him XXXX Bonus FlexPoints, and of course my friend feels terrible that he caused me to miss out on XXXX Bonus FlexPoints myself.

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 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: SD

Complaint narrative:
My life changed drastically back at the XXXX, and my payday changed also. I called and asked LoanCare if they would please move my due date out a few weeks. They refused stating it is a contractual agreement. Well, hello! Life freaking changes, how am I supposed to know we would have a tragic death in the family and that my employment would change. If this company has even an ounce of human compassion they would change my loan due date by 12 days, and it would n't hurt them in the least, but we are just a number to them. I ca n't wait to get my loan picked up by a VA refinancer. LoanCare is the worst mortgage company I have ever dealt with.

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 2015-07-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
About a week ago I received what I thought was a letter intended for me from Rash-Curtis & Associates. While my son and I share the same name, he is just XXXX and graduated from high school XX/XX/XXXX and therefore does not yet receive business mail. Upon realizing it was a collection letter related to medical treatment my son received when he was between 16-17 years old, I called to discuss the matter only to be told that the letter was not intended for me, but rather my now XXXX year old son, who they insisted, despite my refutations, is XXXX years. He is not. He was born XX/XX/XXXX. Nevertheless, it seems to me that his current age is irrelevant since he was a legal minor when the services were delivered and his mother and I signed all documents and it was my wife 's Insurance that paid the bulk of the bill. In fact, since he was a minor, he did not even have a choice in the matter. His mother and I made all decisions and told him what would occur - like most parents in similar situations. It simply can not be true that he is now personally responsible for the cost of the services. A representative from Rash-Curtis insisted that my son is personally responsible for the medical expenses and threatened to make a negative reporting to my sons not yet established credit file. Rash-Curtis & Associates is calling me on my private business line in my residence every 3-4 hours. When I spoke to them, I explained that the reason they have the number they are using to contact me is because I provided it to the hospital during the document signing process related to my sons medical treatment. They insisted that it is the number my son provided and that my signature on the documents is really my son 's signature which is ridiculous. They insist on speaking with my son and pursuing him for a debt incurred by his mother and I. We are not denying that we owe the debt and we intend to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: Southern Management Systems Inc.
State: NJ

Complaint narrative:
According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
I already have a complaint opened against loancare, complaint # XXXX due the way they have have treated me ... and the complaint has done nothing! First, they have yet to respond to my first complaint, and second, when either myself of my authorized third party calls in ... we just get the run-around. Both myself and my authorized third party has called in 6 times within a 45 minute period only to be transferred to the bankruptcy department where I sit on hold for 10 minutes only to have someone answer the call and hang up. I call back, and I 'm told that I am being transferred to loss mitigation, and no one answers the phone ... I just get a random persons voice mail ... i leave a message do n't get a call back. My Authorized third party calls in, and all of a sudden loan care ca n't find the authorization I signed ... and Lastly, I still have yet been told who my loan file is assigned to? Is my loan not supposed to be assigned to a single person? ... I submitted a complete request for mortgage assistance to fax # XXXX on XX/XX/2016. I received fax confirmation that it has been received, I ca n't speak with anyone at loancare ... and when I ask to speak with management all they do is put me on hold forever until I hang up. This is ridiculous! ... they are messing with my home, please help! This is what has been happening for the last 2 years! This is why people lose their homes! Please help more than just forwarding this complaint to Loancare and think they will do anything.

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 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to XXXX will not do anything to correct the situation. I have notified the Credit Reporting agency and XXXX XXXX and nothing has been done in over 2 months. Please Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage servicing was switched to Loan Care LLC this past summer. Since then I have missed bills, been charged fees, been denied the opportunity to pay my mortgage, been left on hold and/or disconnected multiple times, been denied the opportunity to speak with a manager, been belittled or condescended to. All the while I still have not received any bill or description of charges, penalties or fees.

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 2016-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I have mortgage with XXXX which originated in XXXX, XXXX. They used Loan Care for their mortgage payment processing. I submitted payments directly though them, although would occasionally also use The XXXX XXXX 's web page. On XXXX XXXX, XXXX I submitted my monthly payment to them using my credit union 's bill pay feature ( as I had done in the past ) I did not know that it had been transferred the previous month. I was told in XX/XX/XXXX, by the XXXX XXXX, that my XX/XX/XXXX payment was late. I then found out about the processing center being changed. I contacted Loan Care and asked them to forward my money, as they had in the past, to the XXXX XXXX, or to return my money to my account. I had used an electronic transfer, so it should be easy to verify. As of XXXX XXXX, XXXX they still have not forwarded or refunded my money, making my mortgage now 4 months late. I have placed numerous calls and emails to Loan Care to get this resolved to no avail. I call every XXXX days. Often, they will tell me they are waiting for information I already supplied. They tell me it is forwarded to a manager, and that they will contact me. No calls are returned. I have asked XXXX XXXX to help, since the loan originated with them. Nothing has been done.

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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
Factor Trust request a hard inquiry from XXXX without my permission then proceed to add negative and fraudulent information on XXXX XXXX, XXXX other credit eports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
Prior to the week of XX/XX/2017 I was told I could send approximately {$2100.00} in which would bring us current for XXXX. I also have a {$650.00} money order floating around that I sent to Carrington and they returned it to me. I will add another {$50.00} on to this payment and there is XXXX payment. I called tonight so I could wire my {$2100.00} and am now being told over {$3000.00} is being owed and they wo n't accept {$2100.00}. I was just told that this would be accepted on Friday. I am now sitting on {$2800.00} for my mortgage payments and they will not accept it. I am now being told that another {$500.00} in fees have occurred and that this all has to be paid before XX/XX/2017. If I attempt to send the full {$3300.00} then they will tack more fees on. Carrington keeps finding ways to tack on fees and not let us pay so they can foreclose. This is an urgent matter and needs to be addressed right away or we will be forced to file chapter XXXX on {$3300.00} in debt. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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:
On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.

Company response to consumer: Closed with explanation