vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I recently obtained a new lease loan with US Bank. They do not report to consumers what the payment amount is, when it is due or the loan balance. They said they will only report the payment amount and due date ON the date its due. So I will never know what balance is due to be paid until XX/XX/XXXX when they expect payment. They also do not allow online bill pay unless you bank with them. They refuse to accept repeat payments unless you bank with them. They do not enable customers to make ongoing payments, they force you to manually enter your routing and account number every time you want to remit a payment. They only allow customers to make a payment to be drafted the same day, they refuse future/ongoing payment ( s ). Finally, when a payment does not process correctly, they do not maintain the account information entered. Therefore, they can not determine where the error took place, their banking institution or the consumers. This seems to be very shady practices not allowing me to access payment amounts until the very day it is due.

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 2015-09-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
XXXX usbank did not pay all my insurance and I lost my 1 % deductible which I was grandfathered in in Louisiana. Cost me $ for their neglect. I then had to entered into loan modification. XXXX they required {$3200.00} by XX/XX/XXXX which I paid and my note would be @ {$500.00} a month with @ 2 % interest. Nothing till I filed a complaint w cfpb. Then within two weeks I was offered another loan modification XXXX, I paid my XXXX note and I tried to pay XXXX note which they refused because they sold my property. They recended the sale and said I did not comply and said I failed and wanted the rest the next day. I am in the XXXX trial and paying XXXX payment. I have found out that I no longer have escrow because of sale and my taxes were not paid and have not had insurance now again because of their errors I am again being threatened by them again enormous fees because of their errors. I do n't trust them. I have been threatened eviction when they sold my house. I have been cooperating and they continuously drop the ball. I have applied for loan modification for over five years and they have had me apply again an again and go through money XXXX times now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
Bank state that I had overdraft protection when I had never asked them for that, They said they had mailed me a letter XX/XX/2015 telling me I had it and I had not responded otherwise so I accepted.

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 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I had an account with us bank with my insurance payment being automatically deducted. I cancelled my insurance because I had I got a job that offered insurance. I also changed banks but did not close my US Bank account as I wanted to make sure everything was setup with my new account first ( bill pay, direct deposit, ect. ). Unfortunately I did not close my account and stopped paying attention to the US bank account. Due to a mistake by XXXX XXXX of Idaho they continued to bill my US bank account for 4 more months. A few months later when I finally realized what had happened I called US bank to see what I needed to do to resolve this issue. Us bank said they wanted XXXX check for every withdrawal and they still would not reverse any overdraft fees associated with the charges. I have been working with XXXX to get the money back but in the process US bank sent me to collections. My problem is that US bank charged me over XXXX in overdraft fees, extended overdraft fees and account closure fees. The ability for a bank to charge {$25.00} a week in extended overdraft fees for 6 weeks and {$36.00} for an overdraft fee on a XXXX overdraft is more then excessive. Now the bank says they can not do anything about it because is was sent to collections already. I have talked to multiple departments and even filed a complaint all the time being told there is nothing they can do to fix it.

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 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank saying they would close the account on XX/XX/2017 and would send me the amount in the account NOT A PORTION VIA CERTIFIED MAIL. On XX/XX/2017 US Bank withdraw ONLY A PORTION OF MONEY, " leaving some there. '' I have a print out ATTACHED. ON XX/XX/2017 I went in the XXXX XXXX XXXX branch where the banker called several people who said they ALREADY SENT me MY MONEY via certified mail. XX/XX/2017 I go in XXXX branch and XXXX XXXX tells me that the XXXX branch who sent me the letter INSTEAD OF SENDING IT TO ME AS PREVIOUSLY TOLD, US BANK REDEPOSITED THE MONEY TO THEMSELVES ALSO THERE ARE " DEBIT HOLDS AND CREDIT HOLDS '' CAUSING ME UNABLE TO USE THE ACCOUNT. THE BANK IS STEALING MY MONEY " REDEPOSITING IT WHEN I WAS TOLD BY XXXX BRANCH IT WAS ALREADY SENT BY CERTIFIED MAIL 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 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. 
The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.

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 2016-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Merchants and Professional Bureau, Inc.
State: CO

Complaint narrative:
Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received my end of the year statement showing my escrow was overpaid by XXXX because my taxes went down and a check would be sent to me. I called to verify and a rep told me i would receive a check.i called back to check on and they told me i wouldnt get it even though i was caught up on my mortgage. I did a modification where i have to pay XXXX after my loan is paid off which is what covered the modification and made me current. They cant tell me where the XXXX went to.

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 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
RCS. Residential Credit Solutions. Fails to post payments and insists they were not received ..after loan from an other bank is sent to them it takes months yo get any account number or statement. Phone service will tell you that statements are not required to be sent out..but how can you make a payment if you have no were to send it..they answer that is your problem..after many attempts at trying to resolve this issue they say your late and going to be foreclosed on..they leave you no option in the end but to agree to a payment plan with huge payments and high fees associated with it..this is a scam to try to put you into foreclosure ..rude people to deal with ... .I am not alone in this there are many complaints on line with others..why can a business get away with this obvious illegal behavior..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
A XXXX gift card purchased in XXXX XXXX which had never been unsealed until XXXX XXXX of XXXX was denied and we were told it had been removed from their records either because it had been used up by either purchases, fee or because it had expired ( none of which had occurred ) and that unless we could provide time and date of purchase of the card we were out of luck. The receipt is no longer available and was purchased with other items either at XXXX XXXX or XXXX. The card waS FOR {$200.00} so not something we can just say Oh well!

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 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been trying to facilitate a short sale for the homeower XXXX and XXXX XXXX. This file has been completed including values, sellers information and short sale docs needed for well over 30 days. I have lost XXXX buyers already. This file has been in progress for over 6 months and since our last buyer made their offer its been sitting there with absolutely no updates, no movement for over 30 days again. I have asked that the file be escalated and someone to call me back, but after XXXX separate attempts at that no one is still responding and the file still has not been reviewed by the underwriter. We are about to lose our XXXX buyer and US Bank is just holding our file hostage instead of working on the approval for the sellers. I need some help in getting this bank to do what they are required by law to do, which is respond to the seller in writing one way or the other within the guidelines set forth in the Making Home affordable act.

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 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
AN AMBULANCE WAS CALLED FOR AN EMERGENCY AT MY HOME. I NEVER AUTHORIZED THE USE OF AN AMBULANCE, THEREFORE GET STUCK WITH THE BILL!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to Carrington. I had no notification from either company. Carrington immediately filed a letter of foreclosure and refused my payments. I tried to work with them, but received a letter saying I had declined their plan, I did not receive a plan. Now I am losing my home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Went into local branch in XX/XX/XXXX to remove deceased, change address and add another person to account. Now the interest checks are going into account. Even after 8 visit to resolve. Now being told it would be another 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My bankruptcy was finalized before the reaffirmation could be XXXX, so XXXX sold the loan and the new company ( Carrington ) is now reporting the mortgage as well on my credit report as " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, 2013 ''. So why are both XXXX and Carrington allowed to both report this when there was only XXXX loan that we continue to pay and pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I was reviewing my payment history with Loan Care AKA XXXX and I noticed on XX/XX/XXXX that in the amount paid column there is a figure of {$220000.00} when I questioned this with Loan Care they were unable to answer my question and forwarded it over to Payment investigations for review. I purchased my home in XXXX for {$180000.00} so this amount is puzzling to me as I have never seen any paperwork with this amount on it. I did go through a modification XXXX but was never issued any disclosures. I was only provided paperwork to sign and return. I am trying to figure out what this amount is as I have never seen it anywhere before, my current balance on my mortgage is {$120000.00} and my home appraised for XXXX in XX/XX/XXXX and they are still requiring me to pay Mortgage Insurance which is only if the LTV on your home is over 80 %. 80 % of XXXX is {$190000.00}. I feel as though something is not right with this. I want to be treated fairly and feel I am being overcharged by having to pay MI and I also do n't understand where this figure of {$220000.00} is coming from as I would NEVER agree to that. I work in the mortgage industry and am aware of how mortgages work. Can you please look into this and advise me of anything you can find out. Loan Care is unable to provide me with an explanation as to this figure. I 'm concerned that I may have been taken advantage of as the balance of my mortgage is well below 80 % LTV and I am paying MI in the amount of XXXX per month and also what is the {$220000.00} figure that is showing up. My initial loan amount was {$170000.00} and the purchase price of my home was {$180000.00}. Please advise 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 2016-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
Issues I have with Carrington are the following : 1- Carrington has neglected to respond to our Faxed/Telephone/Email request for the following : Payment of {$1400.00} was made on XX/XX/XXXX to bring my property tax that I was behind to {$0.00}. Carrington had already paid property taxes for the XX/XX/XXXX/XX/XX/XXXX before I made this payment. So that from this date forward Carrington would be able to collect escrow for the next years taxes and continue to show me current. 
This has not been the case! 
Also the payment I made is not reflected in the 12 month history and the Research department was asked to work on this and had 30 days to come up with a solution to what happened and has neglected to respond. 
To confirm that payment was made I have the online bill paying receipt # of XXXX received from Carrington that very day [ XX/XX/XXXX ]. 

2- On XX/XX/XXXX I started, with my counselor from XXXX XXXX XXXX for Homeownership, a program with Carrington to " catch-up '' my property taxes that were in the negative. The representative [ XXXX ], was going to provide a 3 year program to become current with my property Taxes. I sent a Qualified Written Request [ per XXXX 's advice ] to ask for a 5 year program to catch up my properly taxes and Carrington came up with a 3 year program instead. 
My problem is I have no record that I am in a 3 year program. No record of a correct escrow. The escrow is showing funds I have asked to be put on my principle [ I paid extra and made sure I requested " for principle only '' ] are showing up on Escrow and yest instead of escrow going down it has gone up. Please explain to me in simple terms how this can happen when as in # 1 above shows I was current. 
Also in this arrangement I confirmed with Carrington that there was no penalty for early payoff. 

3- Because of the Carrington 's Escrow 's many inaccuracies, my payment [ PITI ] has never gone back to what it should be. I received a XXXX % Loan Modification through XXXX that brought my payment down to {$510.00} [ PITI ] and has never been this mortgage payment with Carrington. I would like to have an explanation of why I am not making my HAMP Modification payment of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Simple Bank itself is a great idea, the execution and customer service however is far from it. Not only am I unable to use my funds in any sense ( purchase something with my card, ATM withdrawal, transfer funds, etc. ) but they closed my account without any consent or communication to me. Now the only form of contact I have is over the phone and every time I call they hang up on me saying that 'I do n't have support ' and then the call ends. 

It has been months and I still have not received any of my funds. This bank should not only be shut down, but sued. 

Never been more dissatisfied in my entire life.

Company response to consumer: Closed with explanation