vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My fixed mortgage account was being held with XXXX XXXX XX/XX/XXXX, and then apparently was sold to Freedom Mortgage either XX/XX/XXXX or XX/XX/XXXX without me being notified. I had auto pay setup for my mortgage with XXXX, so was not aware this change had occurred. Months later, I received a call from Freedom Mortgage stating that I was past 60 days late on my payment. I was very dismayed by this as this was clearly a direct result of me not being properly notified that my account had changed hands. I have never been late on a payment EVER and I paid off the balance as fast as I could. Fast forward to this month ... I was casually checking my credit score, and noticed that it had drastically gone down. I had no idea what caused it, but as I investigated further, I saw that I had been 'dinged ' due to a payment to Freedom Mortgage being over 60 days late. I could not believe this as, after I had spoken with customer service at Freedom Mortgage, I thought we had an understanding. Please help me correct this issue! Thank you so much!

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 2017-01-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage sent me a check for an escrow overage of ~ {$400.00} in XXXX. In XXXX, they told me my escrow account was short {$190.00} and I had to send them that immediately, but my payment would also be increasing to cover larger escrow in the future. Why did n't they calculate future escrow at the time of the refund, keep the money and keep my payment the same?

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 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
The lender was provided the loan modification package for review XX/XX/XXXX - from XX/XX/XXXX to XX/XX/XXXX they were requesting docs to have a complete package - I was advised on XX/XX/XXXX the file was complete and would be sent for review. I received a call from the lender 3 times in XXXX and 3 times in XXXX advising the file was complete and under review and nothing was being requested for the review. On XX/XX/XXXX I requested the file be escalated to a manager for the review to be completed since it has not been at that point. We called for an update today on the review and again was advised that it is still with underwriting and a decision has yet to be made. The lender is in violation of RESPA which states a lender has 30 days to review a file once it is deemed complete for an underwriter to review it and make a decision on.

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 2015-11-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am a REALTOR. I help clients with short sales. In the past we had to have the escrow company prepare a HUD1 to submit with Purchase and Sale to short sale lender. With the new regulation, escrow can no longer prepare the HUD1. I have a short sale offer in place with lender and they will not move it forward to review without a HUD1. They say they are aware of the regulation but they still require HUD1. We have given them the SELLERS 'S ESTIMATED SETTLEMENT STATEMENT but I am told that will not work. This is the first short sale that I have done since the change, not sure if other lenders are doing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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: OK

Complaint narrative:
I have no idea what payday loan they claim I have defaulted on and they keep calling me, my work and people I know using a recording saying they are searching for my whereabouts and its legal for them to call all contacts on file to find me, Press XXXX to talk to an operator or call XXXX regardless if I have information or not. They call around 5 times a day. I 've spoke with a lady XXXX time and they have personal information that does n't match the time frame they 're claiming this happened and she told me they have me on breach of contract and fraud. I requested copies of the original information and they emailed me XXXX letters with their letter head that say nothing more than what they told me on the phone. I asked if they had a fraud department and she told me since they have all of my information it 's not fraud and I 'm responsible for paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Original mortgage through XXXX XXXX Mortgage XXXX. 
Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. 
I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. 
To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. 
I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. 
On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. 
I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I took a job XXXX in XXXX 2015 and put our house XXXX on the market. Within a few months, our realtor made it clear that we needed to lower the asking price of the house to a point below what we owed on the mortgage, if we were going to be able to attract potential buyers. Beginning XXXX we lowered the asking price by {$10000.00} per month. By XXXX, we were asking less than the amount we owed US Bank on our mortgage. In XXXX we filed the short sale paperwork with our mortgage bank and alerted our realtor we were in short sale territory. By late XXXX or XXXX, we were responding to an endless stream of requests for all kinds of financial information from US Bank to ensure our short sale application was complete. Week after week additional requests followed. We sent whatever documents were requested and many were requested over and over, or became out of date over the course of each subsequent month. There was never a time when US Bank offered to review our request for short sale, only requests for additional documents, XXXX at a time, and always a week or two apart. Even when the file should have been complete, US Bank came up with additional and new requests. We received a written offer XXXX XXXX, with a 30 day time limit on it. We forwarded this to US Bank for our file as soon as we had it. This was met with more requests for information we had already sent. We asked for help from our realtor 's attorney as the requests seemed excessive and just seemed like the bank was delaying making a decision. We have been paying our mortgage this entire time. We still have not had our file reviewed and fear the party making the only offer we have received, may walk away due to the delays. As of XXXX XXXX we stopped paying the monthly mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? 
My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank did not deposit my payroll into my account. I have not made any changes to account or payroll. I was told by Bank that because they reclassified my account to a checking account from a savings account that they closed that they did not accept payroll for the first time in 10 months 2 times a month and that they would not be able to deposit my funds for XXXX days.

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 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have asked Merchants & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP

Complaint narrative:
Thank you, first, for the opportunity of submitting this complaint. I have received a letter dated XXXX XXXX, 2016 from US Bank ( a bank I have maintained an account with for over twenty years together with my spouse ) telling me that the bank has elected to close my account. This came as a shock to me and after contacting the bank, I was informed that the reason for the intended closure was because the bank can no longer accommodate customers who XXXX United States. I did not accept such justification but did not tell that to the bank. I am a United States citizen who maintained such accounts in a normal manner without conducting any transactions that violates any rules, terms and conditions, or laws. I do have the right to have an account at my home country, to which I will eventually return, especially knowing that the accounts I have with US Bank were there for over twenty years. There are no costs whatsoever on the part of the bank to maintain my accounts as all my statements are sent to me electronically ( online ). I do challenge the bank, professionally and with all due respect, to point out an instance where any of my accounts were used in violations of their terms and/or conditions. 
My desired resolution is to keep my accounts open with US Bank. 

Thank you again for this opportunity.

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 2015-11-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I applied for a secured credit card in XXXX of last year. I paid XXXX to get it. They declined the credit card based on a bankruptcy over a year old and on debts due to child support. I have outstanding debts for child support due to the fact that I was pregnant and could not find a job and XXXX county expected me to pay. I am going back to court on it and I have faithfully paid the child support even though I did not see my children for a year. The debt was being paid and the bankruptcy was a year old. They should not have denied me credit when it was a secured card. The only reason for the bankruptcy was my ex-husband ruining my credit by causing a prohus-perty I had for 16 years to go into foreclosure by not paying for it or putting it in his name like the court ordered. Because of this I was unable to refinance my house, given me in court and I lost it, too. I had perfect credit not seven years ago I paid an extra month 's payment on my mortgage and now I am being discriminated against. My ex husband is on probation for threatening to kill me while I have a restraining order against him. These credit problems were not my doing. I thought you could not discriminate in the State of Colorado due to domestic violence. I received the XXXX back, but I want this removed from my credit and I want a secured loan because I am responsible and have sacrificed to make sure that child support is paid. 
It will be removed anyway because XXXX of my children have left their father to live with me. They are tired of the unjust court system and tired of being beaten. 
Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
My mortgage company is Lakeview Loans and I have called numerous and sent the finance company the proper documents and they refuse to correct my taxes.

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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US BANK XXXX XXXX XXXXI am making a complaint in regards to my card Central Bill Account - XXXXBusiness Credit Card - XXXX. 

I paid {$60.00} for annual fee on XXXX/XXXX/2015. Per card member agreement, I have not received my anniversary XXXX points to my GOLD account : XXXX am pretty upset about the elimination of benefits and the poor marketing US Bank has done in regards to this card. In addition I do not get my annual bonus points. 

Please update my account and deposit the XXXX. 

Thanks. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient forced into a Forbearance not income base payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX 2016, I called US Bank regarding checking account. I asked them to stop all automatic withdrawal 's going into this account. I spent over a 1 and 1/2 hours on the phone with a representative who assured me all auto drafts were stopped. In XXXX and XXXX 2016, somehow I was again hit with payments from companies that I did not authorize. When I called and spoke with the representative I was told that I never called in and they could not do anything. I have made payments on the account to get the overdraft taken care of but US Bank has been adding interest and late fees to an account that supposedly has charged off or is closed. At this point, I am confused because now ( XXXX/XXXX/2016 ) I received a statement that has minimum payments of $ XXXX/mo due on the XXXX XXXX and I can rack up late charges if I do n't comply! When the account was closed it was {$350.00}. Today, the bill I have in my hands says I owe a whooping {$880.00} for a checking account and my statement says if I do n't pay by XXXX XXXX, 2016 I will get a {$20.00} late fee. How is this possible a bank can keep adding charges to a checking account that should have been closed? How long can a bank add unnecessary fees to this account trying to bleed money from me? I am willing to pay the {$350.00} ( personally, I should NOT have to pay a dime since I requested stop payment on this account before these charges were even added ) but anything more that than is absurd. They company is unreasonable and I hope that someone in your office can help 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 2016-08-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in XXXX2014. Would like to know why it is taking so long to foreclose on this 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 2016-07-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for XXXX XXXX and US Bank. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history

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