vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The promised promotion to give bonus XXXX miles was not given because of the reason that minimum spending was not met. The minimum spending have changed to higher number than previously offer. This is not honor to the offer. 

And after calling, the agent admitted the mistake but could n't correct the issues or take responsibility to reissue the promised miles due to the request are not in 4 months time frame after issue the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear Sir or Madam, On XXXX XXXX, 2012 I signed a contract with US Bank to lease a vehicle for XXXX years. As of today, I decided to buy the car. I have called US Bank in multiple occasions requesting a clarification about the pay-off amount that does not reflect the exact amount stipulated in the contract. When I go over the clauses of the contract they mention different amounts that have not been reflected on the contract. The purpose of this letter is to report the abusive practices from US Bank. This financial entity makes up numbers and inflate the real amount due without providing any reason. For example : the residual value is always equal to the purchase price plus tax or any fee. In my case the residual value was different to the purchase price without applying any fee or tax. In the contract appears reflected that if I exercise my option to purchase the vehicle no additional fees will be applied. US bank still charges additional fees in a clear violation of this clause. As I have already mentioned, I have called XXXX times and they never provide any explanation. I would like to report US Bank for abusive, usury and misleading practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I put {$7000.00} in an IRA CD at .5 % for 19 months. I never was told of any maintenance fee when iniating the CD. 9 months later ( XX/XX/XXXX ) I was sent a letter from US Bank wanting a yearly fee of {$30.00}. At most I will actually have the meager {$35.00} go for fee and federal taxes this year, and as I complete the remaining 7 months of the CD, wo n't make enough to pay fees and taxes. In addition, the letter said that if I do not mail in the yearly fee, US Bank will take it out of the CD. If I had been given this information on the cd document of the fee, there would have been no transaction. No other bank that has my IRS impose such a fee, especially in this concealed manner. I would be financially ahead by putting my {$7000.00} under my mattress! I complained to US Bank. They say that they will waive fee. I wait to see. However, how many retirees suffering from low interest rates are actually only paying back banks with maintenance fees that should have been meager interest in the retirees income? State the amount invested, percent interest, term, and disclose any maintenance fees on front of cd at minimum. This the first bank to do this in all my years of participating. 
been given information on the cd document of this fee, there would have been transaction.

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 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA COMPASS CLOSED AND HAS FROZEN MY BUSINESS DEPOSIT ACCOUNT. THE MONEY THAT WAS DEPOSITED INTO THE ACCOUNT WAS DEPOSITED IN CASH IN FOR SEPERATE TRANSACTIONS. BBVA LOCAL TELLER MADE THE MISTAKE BY KEPT DEPOSITING THE MONEY INTO MY PERSONAL ACCOUNTS AND NOT THE BUSINESS. I MADE THE CASH DEPOSIT ON XXXX XXXX, 2015 IN THE AMOUNT OF {$4000.00}. AFTER THE ERROR WAS CAUGHT A MONTH OR SO LATER I WENT INTO THE LOCAL XXXX CA BRANCH TO ALERT THE BANK OF THE ERROR AND THE BRANCH REP TRANSFERRED THE MONEY OVER. NOW BBVA WONT RELEASE THE MONEY TO ME. THE MONEY IS CLIENT MONEY AND DOESNT BELONG TO MYSELF THE MONEY BELONGS TO THE CORPORATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently deposited a check for final wages to from my employer and my financial institution-BBVA Compass- placed a hold on the funds. Due to the large amount, it was to be expected, and I had more than enough funds to cover my outstanding transactions. Unfortunately, my deposited check was returned, but instead of just reversing the hold, BBVA reversed the amount from my available balance. Ultimately, this resulted in twice the amount of my deposited check being withdrawn from my account. After numerous phone calls, I was left with, " The hold will drop off some time today. '' In the meantime, the bank has returned XXXX of my items and charged additional NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Our mortgage was transferred by XXXX XXXX XXXX to Carrington Mortgage in XXXX of 2015. It has been a nightmare ever since. First of all, our payments went up {$100.00} because of an " escrow cushion '' they charge. I have never heard of such a thing before. Second and most important, they were calling us nonstop to sell us on an FHA Streamline program. After much persistence we agreed. We agreed under the terms that our loan would be closed in a few weeks. We were also told that we would get a month off from paying. Well it has been almost two months later, and nothing except a headache. We had to make our payment in XX/XX/XXXX, which we were told we would n't have to do. We had to make the payment to avoid any late fees. They kept sending us loan disclosure after loan disclosure to sign. We did this all under the notion that it would be saving us money. Now, the rates have gone up while we could have used another bank to refinance. This has actually cost us money! The loan closing officer kept telling us different stories as to why this process was taking so long. He even told us that the county was lying to us! I have never felt so taken advantage of in my life. Now, we are n't using them and we still have this high payments particularly due to this " escrow cushion ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I filed a Chapter XXXX bankruptcy in XXXX. In XXXX XXXX I converted to a Chapter XXXX and Carrington Mortgage Account # XXXX was included in that Chapter XXXX and was successfully discharged in XXXX XXXX. I have been fighting with this company ever since. They continue to contact me and send statements saying I owe this debt and I DO NOT. They continue to report to the credit bureaus that it 's an open account with 180 days late with past due balance and I 've had to get this corrected 3 times and just when I get it corrected to report as included in bankruptcy they have reported it back again to the credit bureaus as open past due and this account is CLOSED discharged through Chapter XXXX bankruptcy as of XXXX XXXX. Also they have yet to take ownership over the mortgage and I still have the County sending me property tax statements and I explained to them that I DO NOT own this house anymore that it was included in my Chapter XXXX bankruptcy and they informed me that the mortgage company has not taken it out of my name yet. What they are doing is illegal and before I hire a lawyer to sue them, I would like for your company to step in and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My mortgage was with LOANCARE SERVICING from XXXX. I began a modification in 2014 where my payments were made on time and I should not have been reported late to the credit bureaus. I thought all was reported ok until recently I had my credit looked at as I am in the middle of purchasing a new home and indeed LOANCARE reported me late for those months. I was horrified and very angry when I saw this because multiple representatives told me this would not happen. this is quite the tarnish to leave on my credit and I am very unhappy as to why I was lied to and how this has affected my credit score and also my potential for getting a new mortgage. I have spoken to loan care a few times and they have been very unresponsive and not helpful at all. after hours and hours of calls when I finally spoke to someone they asked for a written request. I sent this is In XXXX of this year and still nothing. The months in question are XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
BELOW IS AN ABSTRACT OF LETTER WRITTEN TO SETERUS, INC on XXXX/XXXX/2015 : My loan, formally with Bank XXXX, is currently being serviced by Seterus XXXX Inc., effective XXXX XXXX, 2015. After the loan was transferred ( around mid-XX/XX/XXXX ), I called in to get my loan balance and the general status of the loan. I was then told that the principal balance was {$360000.00}, however ; according to the " XXXX XXXX '' script, my loan balance was {$370000.00}. That peaked my curiosity because the loan modification documents I have indicate that my new loan balance, as of XX/XX/XXXX 2015, was {$360000.00}. Obviously, the XXXX script was not consistent with my modification documents. After many calls over a one- to two-week period, I was finally told that I had an escrow deficiency to the tune of {$10000.00}. This can not be correct as the " Clarity Commitment '' letter sent with the modification documents indicate that {$9500.00} of taxes and insurance not paid by me was included as part of the new, modified principal loan balance. 
I was approved for an " affordable '' modification in XXXX 2015. I began making the initial payments of {$1300.00} as required by the terms of the trial period. After making XXXX successful payments, I was told by Bank XXXX XXXX that the loan was approved for a final modification. The modification document dated XXXX XXXX, 2015 required a payment of {$1500.00} to be made the XXXX of the month beginning XXXX XXXX, 2015. 
Over the last XXXX months, I have not been able to get Seterus to resolve issues with my account resulting from the escrow portion of my payment being inflated by approximately {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We purchased our home in XX/XX/2016. In XX/XX/2016 our mortgage was transferred to another bank. In XX/XX/2016 it was transferred yet again to another bank. Our last payment to the second bank was misapplied onto principal instead of to our monthly payment. Since XX/XX/XXXX we have been in continual contact with the second and the third mortgage company trying to get the XXXX payment put back onto having been XX/XX/XXXX payment instead of some random payment to principal. We were worried about our credit looking bad and finally made a payment to the newest lender with their assurance it would be applied to XX/XX/XXXX ( not reapplied to XX/XX/XXXX, as that payment was trying to get fixed ) but it was n't and we are now repeatedly coming up as weeks behind on our mortgage. The chain of our mortgage was : XXXX then XXXX and now Loancare. We have done all that we could and decided to reach out to you for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My loan was sold several times after the purchase of my home and was with Loan Care ( myloancare.com, XXXX ) before supposedly being transferred to XXXX XXXX XXXX XXXX, XXXX ). I make all my payments via the XXXX XXXX website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with Loan Care ( a sub-servicer of XXXX ). They gave me the phone number for Loan Care and said to contact them. I contacted Loan Care and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would Loan Care tell me my loan was with XXXX XXXX and how am I making my payments on XXXX website if neither company is able to recognize my information for me to discuss my loan with anyone?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Sir/Mdm, I am writing regarding the BBVA recent XXXX points promotion. According to BBVA offer, " The promotion will end at XXXX XXXX on XXXX XXXX, 2016. '' I made XXXX transactions - all are around two weeks of the XXXX finals. I was supposed to get XXXX points for these purchase. However, I was told by BBVA customer service that " Even though you purchased the items on the evening of XXXX XXXX, the purchases did not got thru the system until after XXXX XXXX. '' XXXX * XXXX {$4.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$6.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX {$970.00} XXXX/XXXX/2016 Posting an offer, promoting the company, and then rejecting to honor the offer, BBVA is misleading customers into doing business with them. I hope your agency can help correct such fraudulent practices. 

Thank you very much for your help. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have been threaten with a law suit and I constantly receive calls from Rash Curtis Associates at least 2-3 times a day sometimes 4 and I have asked them not to contact me. 

I did business with an Attorney back in XXXX and he was fully paid. I received a notice from Rash Curtis Associates in XX/XX/XXXX, alleging I still owe the firm that is no longer in practice a debt of {$18000.00}. The notice states the debt was for services rendered on XX/XX/XXXX which is more than 7 years old. I also advised the rep that I paid the debt in full. 

He agreed it was paid in full but told me I was late on my payments to the firm and the balance of {$18000.00} is the interest that has incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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: AP

Complaint narrative:
REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened up a credit card with BBVA Compass. The credit card came with a promotion of getting XXXX points worth a {$100.00} statement credit after opening up the credit card and then making {$1500.00} of purchases within a time limit. I have made the purchases within the required time limit and have not received my points. I received a voicemail message from BBVA Compass on XXXX XXXX, 2016 admitting that I had met the terms of the promotion and that I would receive the points within 2 weeks. It is now XXXX XXXX, 2016 and I still have not received the points that I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. 
I never lived in the apartments they claim I owe money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
I had made XXXX trial payments with XXXX and my loan was sold to LoanCare XXXX. I have contacted LoanCare and they wo n't speak to me. My housing counselor has submitted an authorization and re-submitted all my updated document, including proof that I 'm the owner of record and proof of my XXXX XXXX payment in hopes of quickly finishing the modification and simple assumption process. The documents were faxed to the fax numbers provided by LoanCare for authorizations and loss mitigation departments on XXXX/XXXX/16. The housing counselor follow up on XXXX/XXXX/16 and LoanCare still did n't have the authorization and would not speak to the housing counselor. The housing counselor follow up again on XXXX & XXXX and still no authorization. The customer service agent gave an email address to email the authorization and documents. The doc 's were email on XXXX/XXXX/16. An auto reply stated that the documents would be uploaded and available for review within XXXX48 hours. The counselor follow up again on XXXX, XXXX, XXXX, & XXXX. LoanCare states the documents have not yet been uploaded to the system, they ca n't speak to us. On XXXX LoanCare stated that my authorization would be available for review on XXXX/XXXX/16. A full 30 days after it was faxed. They have yet to acknowledge my paperwork, modification request, simple assumption request, death certificate, quick claim deed ect. and continue to refuse to speak to me or the housing counselor. My counselor states that most companies acknowledge the authorization within XXXX48 hours and that this has not been her experience even on newly transferred loans. I feel 30 days is unexceptionable because they will ask for all new documents because 30 days has passed. I also feel like they are negotiating in bad faith.

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: Credit card — 
Issue: Balance transfer — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I WAS APPROVED FOR A BBVA XXXX XXXX CARD IN THE MONTH OF XXXX 2015. I USED THE CARD XXXX TIMES AND PAID THE CARD OFF TO XXXX. I WAS LATER SENT BALANCE TRANSFER CHECKS IN THE MAIL IF I WANTED TO TRANSFER OTHER HIGH RATES INTEREST CREDIT CARDS TO MY BBVA XXXX XXXX. ON THURSDAY XXXX XXXX, PROX XXXX I CALLED BBVA XXXX XXXX CUSTOMER SERVICE TO CLARIFY HOW TO USE THE BALANCE TRANSFER CHECKS. THEY TOLD ME IF I WANTED TO PROCESS THROUGH CUSTOMER SERVICE THAT IT WOULD TAKE XXXX WEEKS. THE INSTRUCTED ME TO TAKE THE CHECK AND DEPOSIT IT TO MY CHECKING ACCOUNT AND ONCE DEPOSITED THAT I COULD WRITE CHECK FROM MY ACCOUNT TO PAY BALANCES OFF. AROUND XXXX I TOOK THE CHECK TO MY LOCAL XXXX CA BRANCH. THE BRANCH TOLD ME THAT THE WOULD HAVE TO CONTACT THE CREDIT CARD DEPARTMENT TO GET APPROVAL AND AUTHORIZATION FOR THE CHECK. I WROTE THE CHECK OUT FOR {$4000.00}. AFTER XXXX MINUTES IN THE TELLER LINE SHE CAME BACK AND SAID EVERYTHING WAS APPROVED AND THAT THE MONEY WAS AVAILABLE IN MY CHECKING ACCOUNT. THE CHARGE WAS SHOWING ON MY CREDIT ACCOUNT FOR {$4000.00}. ON MONDAY XXXX XXXX I GET NOTIFICATION THAT THE CHECK THAT WAS APPROVED FOR THE BLANCE TRANSFERRED HAS NOW BEEN RETURNED TO MY CHECKING ACCOUNT CAUSING IT TO REFLECT {$3600.00} OVERDRAWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
the company loan care took out a double payment and will not refund it. they told me 3-5 day and then i called back and they said they could not refund it. they have cause my bank account to be over drawn and a ripple effect. my payment is XXXX they took out XXXX of them. the second issue they are trying to raise my house payment by charging me a closing cost and mortage insurance that i already have ..theres is more money, might i add. my house is worth {$68000.00} and i have it insured for {$210000.00} which is way more than enough. XXXX which is my insurance company tryed to call them twice and Loancare told them to mind there own business.who treats people like that? we live pay check to pay check and im XXXX and we have XXXX small children.it has caused us panic and unnessary stress.please help 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 explanation