vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: FL

Complaint narrative:
First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as XX/XX/XXXX. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC
State: TX

Complaint narrative:
This company is harassing me and my family. They are continually robo calling my mobile phone, parents, siblings, and employer. I am losing work because of their tactics. They claim to represent the IRS, Banks, and will arrest me. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: WV

Complaint narrative:
On XXXX I accessed MY credit reports from the XXXX credit bureaus and found a credit card account which was opened at XXXX in the name of XXXX XXXX XXXX, my mother showing as " Open ''. My mother passed away on XX/XX/XXXX and as the " Personal Representative '' of the estate I contacted XXXX who services the account under the name of " Elan Financial '' credit card of her death via written correspondence dated XX/XX/XXXX and XX/XX/XXXX providing them copies of her death certificate and the " Letter of Administration '' from the XXXX XXXX Maryland Register of Wills Office. I contacted XXXX on XX/XX/XXXX and after numerous attempts to actually speak to someone in the Internal Collections Department I finally reached a representative to whom I provided the above information as well as my complaint that this account was even on MY credit bureau records but more importantly that the account had been paid in full in XX/XX/XXXX and at least should have shown as " Closed ''. I further advised her I had received correspondence dated XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Reference Number XXXX who was acting as the collection department for Elan Financial confirming that the account was settled and that Elan Financial would be filing a XXXX with the IRS. She stated that she had no record of receiving any information naming me as the estate representative and could not discuss the account details over the phone. I advised her they had been provide to XXXX XXXX XXXX already and i would not send them again. She further stated I would have to sent written requests for the matter to be considered and she was unable to help me. I stated that the complaint was false information on MY credit reports and saw no reason that they were unable and unwilling to access the account in question without discussing it with me and find the account was closed and to notify all three credit bureaus of that fact. Again she stated she would do nothing unless I made written requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
ON XXXX I WAS CHARGE {$14.00} FOR A FREE MOVIE. THE MANAGER STATED THEY DO N'T DO REFUNDS AFTER YOU LEAVE THE ESTABLISHMENT. I HAVE PROVIDED THE DOCUMENT EMAIL. ON XXXX/XXXX/2016 I WAS CHARGE {$21.00} FOR FOOD. XXXX WHO SWIPED THE CARD HANDLE IT INCORRECTLY. THE AMOUNT WAS SUPPOSED TO BE {$18.00}. WHEN I CAME TO THE ESTABLISHMENT. I WAS SUPPOSED TO GET A CREDIT FOR {$21.00} NOT BE CHARGED {$21.00}. ON XXXX/XXXX/2016 MY CARD WAS TYPED IN FOR {$15.00} FROM XXXX. PLEASE NOT I 'M DISPUTING THAT 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 non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. 
I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. 
I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I logged in to XXXX and submitted credit limit increase application. The application did not ask for a social security number and there was no notice whatsoever of a potential credit inquiry ( See attached screen shots ). I have multiple cards from other financial institutions and some require and inquiry ( either hard or soft ) while others do n't. A " soft '' pull does not impact credit score, a " hard '' pull does. Their inquiry was a hard pull. I was under the impression that this process would either need a soft inquiry or none as there was nothing specific in the application. While going through this process with my other credit cards, they all specified what kind of inquiry would be required. 

I previously contacted Elan financial Services and asked them to contact XXXX and have this inquiry removed immediately as it was unauthorized. My request was denied. 

I mentioned it to them that It would be beneficial to your customers and their organization to update the verbiage on the online application so it clearly states that a " hard '' inquiry will be required. Appreciate your attention in this matter. I have exhausted all other options to try and get this addressed. I have called multiple times, contacted transunion and Elan Financial Services in trying to get this resolved.

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 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property.

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 2015-05-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am a retired veteran. 
When my loan originated my wife, who is now deceased had XXXX. 
The loan should not be legal at all with this XXXX. 
XXXX will not help me save my home. 
I am XXXX and could be homeless. 
My home is upside down by {$80000.00}

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 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
I am in the process of refinancing my mortgage and when the newcompany pulled my credit report they found that my currentmortgage company listed me as being in forbearance. That isnot true, I am current and have never been late or missed a payment. 
I contacted the my mortgage company and explained what wasgoing on and asked for a letter to show the error. They told me thatall of their customers were incorrectly listed that way and that I hadto wait XXXX weeks to get some kind of letter. I was directed to writeto their research department and they have not even acknowledgedmy letter. I need to have the refinance done by the end XX/XX/XXXXdue to a court order and I can not move forward without the letterfrom the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
each of the XXXX companies has docked me because of a first mortgage omission. 

well, guess what? I do n't have a mortgage

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 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was faithfully paying my mortgage payment from the time BBVA Compass started my Loan Modification- Trial Period last XXXX XXXX, 2015. No missed mortgage payment. BBVA Compass practices of Debt Collections, are not serviced accordance to the financing law and practices. BBVA Compass forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment to {$750.00}. as I usually paid & evidence copy coupon attached from BBVA Compass as proof bringing from {$810.00} a month to my usual XXXX a month. 
I am asking BBVA Compass credit to my principal Loan for the extra of {$55.00} from the time they loan Modified last XXXX XXXX, 2015 up to the present for extra escrow charges and adjust and my mortgage payment back down accordingly. I will present the copy of Loan Modification Trial Period, in which paid and complied all 3 months payments. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 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: SC

Complaint narrative:
When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
LoanCare A XXXX did not collect enough in escrow for 2 years and sent a letter increasing my mortgage payment by {$540.00} per month. I can not afford to make such an extreme increase in payment per month.

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 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Our mortgage was transferred to LoanCare, LLC ( from XXXX ), in XXXX XXXX previously we were paying our mortgage monthly on an auto debit schedule around the XXXX of each month. we were informed that our first payment would be due in XXXX to LoanCare. We waiting until XXXX XXXX, to make sure our auto payment was indeed cancelled w/ the previous company, and then submitted a payment around XXXX XXXX or XXXX, 2016. This check posted to our checking acct at XXXX on XXXX XXXX. however a couple of weeks later we received a notification from LoanCare stating our payment was never received. we had our bank faxed a certified letter stating the payment had indeed posted to our acct and should be credited to our loan. 

We made another payment the XXXX. this check posted to our account on XXXX. Today, we received a letter from loan care stating we owe them {$4700.00} ( XXXX month 's payments ) or they are reporting us to collections. This is mortgage fraud. they are taking our money and not crediting our loan, and threatening to ruin our credit. i am planning to file a police report in case our credit does get dinged. I have reported them to the XXXX ( who I am assuming they have paid to not have their rating listed, as no reviews exist ). I am going to look into changing the mortgage company.

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 2016-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
LOANCARE IS GUILTY OF EMBEZZLEMENT. 

OUR ESCROW FUNDS WERE STOLEN, WE WERE BILLED FOR THE THEFT AND THEY TRIED TO STEAL OUR HOME WITH AN INFLATED PAYMENT WE COULD NOT AFFORD. AFTER ILLEGALLY EMPTYING OUR ESCROW ACCOUNT LOANCARE CHANGED OUR PAYMENT FROM {$840.00} A MONTH TO OVER {$1400.00}. 

THEY NEVER MADE US AWARE OF THE THEFT OR THE CRIME BUT THIS 6 MONTH MISAPPROPRIATION OF FUNDS WAS CONFIRMED IN A PREVIOUS CFPB FILING BY XXXX XXXX AND XXXX EXECS. 

IN ADDITION THEY VIOLATED THE 45 DAY RULE BY NOT INFORMING US OF ESCROW FRAUD ON LOAN ORIGINATION AND ANOTHER 45 DAY VIOLATION BY NOT INFORMING US OF FORCED INSURANCE WE WERE BILLED FOR

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 2015-09-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have been attempting to make a payment to my account online. The payment did not go through because the creditor did not process it. I pay the debt in full every month. They stated that the issue was my problem regardless of the fact that I have submitted the payment and it did n't process due to their website error. My credit is effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One offered a settlement to my husband on an outstanding credit card balance on XXXX/XXXX/2016. Offer was accepted verbally and bank acct # given for electronic payment in full immediately. Offer was explained over phone and we were told it was being recorded - with full disclosure of terms. Rep stated offer was good until XXXX/XXXX/2016. 10 days later, called Capital One because we realized payment was never withdrawn from account. Was told payment was not accepted by our bank ( even though other credit cards were paid recently out of same account ). We were not notified of any issue with payment. Now after 1.5 hours on phone ( 3 way call with our bank, waiting on hold etc ) manager XXXX " just realizes '' the account is now going to 'charge off ' and settlement offer is withdrawn. FULL balance ( {$600.00} more ) is due. Capital One now says it is 'Too late ' to pay the settlement amount that we were willing to send by cashier 's check overnight if necessary. We had 4 more days to pay according to their 'Recorded Disclosure Statement '. The letter attached arrived AFTER all this and is dated XXXX XXXX and states DATE DUE : XXXX XXXX.??? These extortion practices are inexcusable. My husband was out of work for most of 2016 and just wanted to settle this debt and start to rebuild his credit. We obtained a loan to pay off the high interest debt. Capital One supposedly has a recorded statement verifying the due date of their agreement which they decided to break so they could extort {$600.00} more from us.

Company response to consumer: Closed with non-monetary relief