vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have an FHA insured mortgage serviced by US Bank. I became unemployed in XXXX 2014 and applied for unemployment forbearance. Because I recently found part time employment with XXXX. I am currently working approximately XXXX hours per week but anticipate getting full time hours in the near future. US Bank denied my request for forbearance stating that I am not eligible because I am employed. I therefore am in a kind of catch XXXX situation. The fact that I gained part time employment with a reasonable expectation of becoming full time is in fact penalizing me. If I was still unemployed I apparently would be eligible for up to 12 months of unemployment forbearance! This is completely absurd! It is often the case employers hire part time to full time rather than immediately full time. I am therefore asking for forbearance until I do get to full time status- with in the next 6 months. I am asking for human intervention that can see this " canned '' response just makes no sense!

Company public response: Company 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: Other — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I applied for the XXXX visa credit card and got declinedfor a collection that is supposed to be removed and that 's not fair

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I call the credit card line to cancel my card and they transfer my call 3 times and hang up on me at the end of XXXX minutes wait. I could hear them whispering on the background! 
Credit card company US Bank.

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 2015-08-04 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: Associated Credit Services, Inc.
State: NC

Complaint narrative:
I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity. 
I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action. 
The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
Never received certain items that were billed. They sent my to collections and XXXX deleted the case. Now they are sending new information. I have spent countless hours with this to no avail. I paid for the items I recieved

Company response to consumer: Closed
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
In short, our Title Company and original Mortgage Company both paid our real property tax for the second half of XX/XX/XXXX (due on XX/XX/XXXX)- paying double for our 2nd half property taxes and depleting our escrow account.  Additionally the original property tax amount that was supposed to be withheld was based on a XX/XX/XXXX DC appraisal rate (not our new development home), so there was additional property taxes needed to be paid.  The Loan was transferred to LoanCareXXXX in late XX/XX/XXXX, and they immediately decreased our loan amount by XXXX a month.  I called and asked them why they decreased it and was told "to not worry about it as its normal".  I explained that I couldn't imagine how that could be with the improper property tax amount, and asked them to look into it.  They never did.

 Come XX/XX/XXXX, and our loan payment increased XXXX dollars.  Upon calling LoanCareXXXX, they said that it will continue that increase for all of XX/XX/XXXX, explaining that my escrow account was depleted and required a certain amount at the beginning of each year  to meet escrow, PMI and DC property taxes.  I discussed with the original mortgage company and title company and they identified the issue that the Title company inadvertently paid the taxes twice- emptying our escrow account (which shows up on public record for the DC government).  All XXXX of us (Original Mortgager, Title Company and Myself) called LoanCareXXXX to explain  the situation and ask for an adjustment given enough was paid for the XX/XX/XXXX 1st Half DC property taxes due on XX/XX/XXXX.  LoanCareXXXX said that "they do not look at the DC government tax website when calculating these rates and will not do so" and that their "property tax department doesn't talk to the escrow department".  We explained though that without checking with the government on how much taxes are owed for XX/XX/XXXX 1st half, they would be paying an unnecessary surplus...and withholding an unneeded amount in our monthly payments.  The agent got frustrated and told us to send the tax information to LoanCare.  I did so on XX/XX/XXXX both via email and their online email system.  At this point, the payments listed have not changed, DC government says they cannot return any property tax payment, and LoanCareXXXX has not contacted me back about how they are going to make the proper adjustment.

In short, we just want to pay what we actually owe and have our loan service due their legally required due diligence in serving our loan.

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 2015-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US BANK WILL NOT GIVE ME MY FINAL MODIFICATION PAPERWORK, THEY HAVE BEEN GIVING ME THE RUN-AROUND SINCE XXXX XXXX, 2015, ABOUT SOME PAPERWORK THAT WAS NEVER SENT OUT. I PAID MY 3 MONTHS OF XXXX PERIOD PAYMENTS. MY LAST PAYMENT WAS DUE ON XXXX/XXXX/2015, THAT WAS SENT ON XXXX/XXXX/2015 AND AS OF TODAY XXXX/XXXX/2015, I AM STILL WAITING ON FINAL MODIFICAITON PAPER WORK, I SPOKE WTH XXXX AND XXXX TODAY THESE PEOPLE HAVE NO KNOWLEDGE ABOUT MY ACCOUNT AT ALL. MY MORTGAGE ASSISISTANT PERSON HAS NO KNOWLEDGE EITHER, I REFUSE TO SPEAK WITH HER, I BELEIVE US BANK HAS DONE SOME ILLEGAL STUFF WITH MY ACCOUNT, AND THIS IS THE REASON I CAN NOT GET MY FINAL PAPERWORK SENT OUT TO ME, THEY WANT ME SCREW-UP SO THEY CAN TAKE MY HOME. THIS IS THE XXXX COMPLAINT I HAVE FILED. I AM SO FRUSTRATED WITH US BANK HOME THAT I COULD SCREAM. PLESE HELP ME I WANT TO GET THIS ACCOUNT STRAIGHTEN OUT AND START MAKING MY MONTHLY PAYMENTS. I DO NOT FEEL RIGHT MAKING ANY MORE PYMTS TO US BANK WIITHOUT MY FINAL MODIFICATION PAPERWORK SETTING IN FRONT OF ME SIGNED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
After I asked if I could make a smaller payment day of call and set up automatic payments each month the person on the phone said no they wo n't accept it and that they can serve my husband with a lawsuit even though he 's not on the debt because we live in California they are allowed to do that and also place a lien on my house even if the house is in my husbands name. The person said if I do n't pay the full amount that they will have to choose to take that action and sue my husband for the debt. I was told repeatedly they will do that and are able to because of the state I live in.

Company response to consumer: Closed
Consumer complaint received 2015-07-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I purchased a prepaid XXXX from Office Depot on XXXX/XXXX/XXXX. When going to use this card in XXXX I found that my balance was much lower than the {$200.00} I paid for this card. There were two transactions shown online on this card during the month of XXXX - one in XXXX and another in XXXX. These transactions were not performed or permitted by me. I called a number associated with US Bank, the company responsible for the card, to report fraudulent charges on my card. They told me that the card would be locked and to dispose of it and that I would need to start a claim process. I was told to fax certain information, which I did. In XXXX I received a form via mail to complete which I promptly did. As of writing this it is XXXX/XXXX/XXXX and I still have not received a new card. It has been over 4 months since I reported my card information stolen and over 3 months since I filed the form I was sent.

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 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: CA

Complaint narrative:
I believe the apartment leased was uninhabitable after 4-5 months of dealing with schedule XXXX XXXX being leaked from another unit into mine on top of constant water flooding of my unit from above. I contacted the manager no less than 10 times through written and verbal complaints about these issues. 

I left a notice of abandonment and vacated the property on XXXX/XXXX/2015 leaving it in reasonable condition. 

The company is currently trying to collect {$4800.00} for around 45 days of rent while they tried to collect a premium renting my unit. They eventually leased it for around {$200.00} less than I was paying at the time.

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 2016-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX we received mortgage servicer, Carrington Mortgage Services ', " HAMP Non-Approval Notice '' dated XXXX/XXXX/XXXX. Carrington Mortgage Services ' denial letter listed the reason for denial as " Application Discrepancy '' ; further described in their letter as " Reasonable evidence exists indicating that you submitted income or other information that is false and/or misleading in connection with your application for a loan modification under HAMP. '' On XXXX XXXX, XXXX, I contacted the assigned single point of contact, XXXX XXXX, for a more detailed explanation. He explained that during a XX/XX/XXXX Carrington Mortgage modification review, the borrower hand wrote his unit number on his paystubs and that due to this, Carrington Mortgage now had reasonable evidence that the loan modification documents provided for this XX/XX/XXXX modification review are fraudulent. I advised XXXX XXXX the same information that was advised back in XX/XX/XXXX, that the borrower hand wrote his unit number " XXXX '' on his paystubs because it was incorrectly represented as unit " XXXX. '' The borrower did not intent to mislead or misrepresent information ; he simply wanted to correct a clerical error on his paystubs and did not anticipate the simple correction to be taken as fraud. 
XXXX XXXX advised that a written appeal letter together with a cellphone bill, internet bill or cable bill as further proof of residency, would prompt a review and if documents are deemed acceptable -- a re-opening of the currently closed XX/XX/XXXX HAMP loan modification review. 
Therefore, on XXXX/XXXX/XXXX, we sent Carrington Mortgage an appeal letter along with a XXXX cell phone bill dated XXXX XXXX, XXXX, with XXXX XXXX 's address listed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, as further proof of residency. 
On, XXXX/XXXX/XXXX, we received a " Non Approval Notice '' dated, XXXX/XXXX/XXXX, regarding our formal appeal letter dated XXXX/XXXX/XXXX. The letter stated Carrington Mortgage is unable to provide mortgage assistance because " Upon completion of the evaluation, CMS has determined that the documentation you have provided does not change the original denial disposition. '' On XXXX/XXXX/XXXX, I spoke with assigned single point of contact, XXXX XXXX, who stated the reason for the appeal denial was due to property inspections Carrington Mortgage performed which determined the property is tenant occupied and not borrower occupied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Hi. I have called and offered to give you all a copy of the tape I sent to the consumer protection agency showing that you all do utilize unfair and deceptive tactics to collect bogus debts. I taped the court proceeding. I thought out of courtesy I would send you all a copy as I intend to sue Frederick Hanna and Associates too. 
Can you all send an email with XXXX XXXX 's Georgia bar number as it does not appear on one document in XXXX County Clerks paperwork. I sent you all a copy of the court hearing. I taped it. I am going to counter sue and sue XXXX County. I will be in touch. 
Kindest Regards, XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NM

Complaint narrative:
HRRG called me approximately 6 or 7 weeks ago to collect a debt that I apparently owed to XXXX XXXX XXXX in XXXX of 2015. When I called XXXX they stated that they do not work with HRRG as a debt collection agency and that I did not owe them any money. I called HRRG back and requested that they mail me a bill so that I can see the original creditor because the lady on the phone told me that she can not give that information out. After I gave her my address she stated that she would have to note on my account that I refused to pay at that time. After receiving the bill via U.S. mail, I called them because there is still not enough information regarding who I owe and once more I was told that client information is private, and I told her that I would not be able to pay it unless I knew who I was paying. She got an attitude and firmly told me that it was only {$29.00} and that I am required to pay it. Once more I asked who I owed and she stated that it was just a physician, but she could not tell me who. Then she threatened to send it to my credit and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My loan was held by XXXX. I requested a recasting of the mortgage in early XXXX and sent them a check for {$170000.00}. I was informed my loan was sold to LoanCare effective XX/XX/XXXX and they returned my check. I contacted LoanCare XXXX to request instructions for recasting and to whom I should send my check. After six days they did not respond. I contacted them again and was told they would email me instructions. Another week passed and I heard nothing. Finally they did respond and told me it would take 10 to 20 business days to get an answer. I had to involve my original loan company XXXX to intervene and find someone at LoanCare to assist me because I was frustrated. We have been waiting for almost two months to send LoanCare a check for {$170000.00} and I can not get anyone to respond to me. Additionally I am losing valuable interest on the money I would be saving. I finally received a letter stating I should send my money to them and they would recast my mortgage and have it effective XX/XX/XXXX. That is an unacceptable amount of time to wait to lower my monthly payments.

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 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Service, Inc.
State: AR

Complaint narrative:
I would like to dispute a claim that is on my credit report. The claim is from XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas. I did not know this claim existed until I enrolled in XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed me that their records only go back to XXXX and apparently they had no information on the claim. I was told to contact CSI collection agency for further information. 
I would like to know how a clinic can say that I owe them money but have no record of services rendered. 
I called CSI and was told that I owe {$290.00} to this clinic for services that I have no recollection of. My son was a patient there up until XXXX but he was fully insured at the time with XXXX as I was a young single mother at the time. 
CSI told me that the services were for me and not for my son??? which is very confusing to me, because I was never a Patient at 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