vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: UNITED GUARANTY CORPORATION
State: FL

Complaint narrative:
On or about XXXX XXXX, XXXX United Guaranty XXXX XXXX XXXX of North Carolina paid the balance of a second mortgage on a property in which I dwelled with my former wife. On that date they sent me a letter indicating that they had accelerated the balance of the loan and that the " balance in full '' was due " no later than thirty days from XXXX/XXXX/XXXX ''. 

On XXXX XXXX, XXXX I received a letter from XXXX ; a local law firm ; indicating that they were authorized to file suit against me. I requested verification of the debt by mail on XXXX XXXX, XXXX. They responded by filing suit on XXXX XXXX, XXXX. I have yet to be served a summons or receive verification. 

I believe that this is a violation of multiple parts of the Fair Debt Collection Practices Act, not the least of which is the fact that the attorney filed suit on a debt that is time-barred under Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I been selling on eBay since XXXX and eBay using PayPal as a merchant and my business is selling phones and electronic. 
in XX/XX/XXXX my business picked up and I start sending invoices directly through PayPal and get paid also I still maintain eBay business. 
I never never had a charge back or a bad review my accounts in Ebay and Paypal XXXX % In XXXX representative from PayPal called me and asked me several questions where I buy my product from how I know my buyerwhen do I ship the merchandise to the customer I also am XXXX % all the questions he he ask and then he said thank you and the same time my customers start calling me telling me Paypal Custmer Service calling them and asking if they receive the merchandise my customer call them yes they receive the merchandise and everything is perfect after two days in the middle of XXXX they send me an email telling me they place a reserve account of {$80000.00} in my account I call them I told them why they said I 'm a high-risk customer I told him I never have had a chargeback I do n't have anything wrong with my business they said they still have to protect the business I do n't know for how long they said for three months i 've been calling since and explaining to them I can not find in my business like that by now they up to {$60000.00} I do n't have the capital to run my business my business and will go broke like that they even check my credit score and I ask them who give you the right to do that they told me it 's in the policy I understand if I have a chargeback understand if there is something going on with my account I have a lot of return merchandise I have a lot a problem but I do n't have any problem with my account in eBay or PayPal and I called PayPal they told me that the eBay that 's a company runs himself by them self we can not do anything about that that 's not fair I think I 'm going to lose my business my credit card it 's empty I can not borrow more money and the funny thing is they holding all the money even eBay fees I paying eBay fees for my own pocket but we taking the on money the processing money they taken it from the the money they holding I 'm a very small business can not hire a lawyer but on the same time I know that 's not legal They can call every customer and the Ask of the receive the merchandise but they refuse to do that I do n't know really what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Received unsolicited letter via XXXX XXXX from Lakeview Loan Servicing Friday XXXX/XXXX/16 offering a VA XXXX loan, which is a VA Interest Rate Reduction Refinance Loan at 3.25 % ( 3.26 % APR ). 
Letter indicates this is a special offer and I need to act now : There are No Origination Fee, No Underwriting Fee, No Processing Fee. This is a streamlined VA process, no Certificate of Eligibility, No Appraisal, No Minimum Credit Score, No Employment Verification. 
The rate offered is 3.25 % fixed for 30 years and gives my specific loan details. 
The letter is signed by XXXX XXXX, Senior Vice President, Loan Originations. 
Indicating I need to act quickly to lock in my low rate by calling before XXXX XXXX, 2016. 
They are the company who is servicing my loan already so they have all of my information and details. 
Called Lakeview Tuesday morning XXXX/XXXX/16 around XXXX and spoke with XXXX XXXX XXXX. XXXX requested letter to be scanned and sent to him XXXX that same day. After a few back and forth emails he could not honor the agreement. 
I spoke with his manager XXXX XXXX at XXXX, XXXX made a number of statements of which I question the accuracy. He mentioned the 3.25 % is available but I will not get the lender credit. He also mentioned the company could do 3.5 % and I get the lender credit, which is the better deal and makes more sense. 
I requested lending disclosure documents for 3.5 % with the lender credit. 
Later XXXX XXXX sent an email link for loan documents soon after that. 
The loan documents list the no fees as promised in the advertisement and overall look correct, except there appears to be some questions how they came up with some of the closing prepaid fees and escrow account. Understanding how this works, I questioned the documents and was given an answer of questionable accuracy. 
I have requested numerous times to get the offer that was advertised they have not been forthcoming.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with Simple ( https : //bank.simple.com ) on or around XXXX XXXX 2016. I subsequently deposited a check for a sum of over a {$1000.00} afterwards. I was notified that it took some time for checks to clear or for accounts to be verified. I tried to use a debit card that was issued to me in XXXX on around XXXX XXXX. The card was declined. I contacted Simple and received this message " Thanks for writing in! It looks like we 're just in the process of verifying the account, so hang tight! 
We will be reaching out with any updates or new information in the form of a support message. '' I was about to use the card today ( XXXX/XXXX/16 ) but wanted to save myself the embarrassment of having the card declined again especially since Simple had not gotten back to me with an update in 3 weeks. When I spoke to a customer representative at Simple. I was told once again that they will still in the process of " verifying my account '' and that no further information could be provided even after escalation. I then requested during a subsequent call that they close my account and send me my deposited funds. The customer service rep then said that while an account is being verified that they could not initiate a closure account process. Furthermore Simple then blocked my debit card over the course of these calls. Mind you I have not been able to use the card since the account was opened.I find the behaviour of this " bank '' very suspicious. They receive customer funds and have no process in place to transparently resolve issues such as mine. I no longer wish to do business with Simple and request a prompt return of my funds deposited with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The Us Bank operations ctr. XXXX XXXX mn. XXXX, Phone : XXXX have a report on my chexsystems record saying that possible false information used in opening an account. I used my proper and legal identification opening this account. The U.S. bank closed my account and took the funds I had in my account

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 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Principal Group, LLC
State: FL

Complaint narrative:
This company has repeatedly called my cell phone and place of business. I have asked them to not call my work and to also send me in writing a letter about what they want. They refuse to give me any information unless I verify the last XXXX of my ss number. I have no idea who is on the phone and would like something in writing which they refuse to send. They continue to say that they are going to serve me with " notice '' and say that they will be by my house to which they never show up. They call everyday and I am so frustrated with them, if I owe a debt why do they refuse to send me anything in the mail and why do they not show up to serve me my legal documents when they say they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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 notification from US Bank telling me that there was an address change on my business account and to call them immediately if I did not request an address change. However, when I called US Bank, the customer service representative told me that they had closed my account. She told me that usually they would send a notification, but I never received any notification of them closing down my account.

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 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/XXXX through XX/XX/2017, my debit card number and pin were stolen and money was fraudulently taken from my US Bank account, XXXX separate ATM withdrawals XXXX for XXXX, XXXX for XXXX and XXXX for XXXX each, a total of XXXX. The bank allowed them to take my account over XXXX in the negative which caused XXXX in overdraft fees, this is something I virtually never do which makes me wonder why the fraud department did not catch this as fraudulent activity. But they did not catch this fraudulent activity, however ; I noticed it and reported the fraud on XX/XX/XXXX. I was informed I must submit a document which they would email me, I never received the document in my email, so I went to a branch to fill it out and have them fax it in, which I did on XX/XX/XXXX. They informed me that I could not have provisional access to the funds ( totaling XXXX ) for at least 10 business days. I asked when that would be and was told the money would be back in my account on Tuesday XX/XX/XXXX. And yet today, still no money. I called back today and was told that whoever told me that was mistaken and it wo n't be until XX/XX/XXXX, a full 19 days after the fraudulent activity. The criminals were not only allowed to take my account into the negative ( something I can not do ) they also exceeded my daily limit for withdrawals from an ATM. Why the bank did not catch this has not been explained to me. I have a 5 year pattern of withdrawing funds from the same ATM twice a month, and virtually never deviate from this pattern. The criminals who stole my debit card information greatly deviated from this pattern and still US Bank 's fraud department noticed nothing suspicious. The fraud department has not been in the least bit empathetic or willing to help during this time period. Having over XXXX taken out and not replaced for going on three weeks has to say the least posed difficulties. As soon as this is resolved, I will be moving my banking business to another financial institution. When I voiced these concerns to several fraud department employees they all had the same canned response showing that they really have no concern for the well being of their patrons. I strongly encourage all US Bank customers to carefully think about seeking alternate banking arrangements so you do not suffer the same difficulties in the event your card is compromised, something which is sadly inevitable in the world in which we live.

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 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, U.S. Bank offered me a loan modification following a successful trial period payment. The loan modification documents are attached to this complaint. 

I signed the documents on XXXX XXXX, XXXX and promptly returned them to U.S. Bank for their signatures. They signed the documents on XXXX XXXX, XXXX. The finalized loan modification agreement is recorded on XXXX XXXX, XXXX XXXX of the XXXX XXXX county public records. 

The terms of the loan modification agreement established that my monthly payments were to be {$720.00} per month. {$470.00} for Interest and Principal and {$250.00} in Escrow payments. ( see attached ). 

On XXXX XXXX, XXXX, following the ratification of the agreement, I spoke to a U.S. Bank representative who assured me that I was now out of loss mitigation and my monthly payments would be {$720.00} as agreed. 

When I attempted to make payments on my loan, U.S. Bank refused to accept them. On XXXX XXXX, XXXX they stated that I had to pay approximately {$850.00} a month, otherwise they would not take my payments. He also claimed that they would later reimburse the excess back to me. 

U.S. Bank unilaterally breach our contract. It refused to accept my payments and now alleges that I am in default under my loan and that they will foreclose on my property. 

I have a legally binding, recorded contract with U.S. Bank. They offered and accepted the terms of the agreement. They recorded the agreement and accepted {$31000.00} from HUD to proceed with the modification. They have benefited in every way, yet refuse to accept our contractually agreed payments and are now attempting to take my home away from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
Our loan was sold to loancare, so we did not choose them to finance our loan. With a recent situation, as well as many interactions with this company, I am very concerned with the service and internal controls within loan care. I 'm in high management at a student loan company, and would be mortified if my employees handled calls and situations as they did. Back in XXXX, we began paying every two weeks. We were told this was okay. Then we came to find out after a couple months that we can not split the payment, and have it count as our monthly payment. We found this out when we were due a double payment one month. We spoke to an agent about this, and he said he could re apply the payments that showed to principle to count as the payment. We advised that from here on out we would make the full payment which we did. Months later, we then received a delinquent notice, and so we called. I was on hold for almost an hour till someone came on. I explained to the agent the situation, and she was not helpful, stating she was n't sure why it was n't done. I asked for a supervisor, and was transferred to a voicemail. I called again, and after an hour an agent picked up and disconnected. I was in shock of the customer service I was recieving. The last conversation my husband had with a supervisor is that even though we were told it would be re applied we should not have split the payments. We were reported to the credit beruea by this company although our payments were made. They did not fulfil on their end re applying the payment. I 'm concerned that we first would be told this would be re applied, that it never happened, and then future encounters there is no one taking responsibility. On top of this, as a customer I do not feel taken care of. It should n't be so hard to get in contact with your mortgage company because the hold times are so long. Then on top of that, recieving the poor service when you do speak to someone. I have never had issues with my credit, and because of Loancares poor business practices, I now have a mark. After researching and reading other reviews, I 'm not sure how this company is allowed to be in business.

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 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Carrington Mortgage Services began servicing my 30 year fixed rate mortgage in XX/XX/2014, it was transferred/sold to them by XXXX Mortgage. They have refused to provide any statements on my account. The only information I have available through their website for billing is the monthly/total amount due. When they took over my loan, my payments went from XXXX to XXXX and I don't know why without them providing any documentation on my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had an item that I wanted to sell and I used the services that ebay provided. Ebay directed me to set up an account with Paypal so that I would be able to receive payment when the item sold. I accessed Paypal through the ebay page and began to register my bank accounting and personal information. While going through the application process they asked me to verify the small deposit ( s ) that was credited to my bank account as a way of verifying my identity. Paypal also sent me an email stating that they needed to verify my email address as well. 
In checking my email I noticed several e-mails from Paypal. One of which was an application saying that I was denied credit from Paypal. I immediately said " what? '' outloud because I was n't applying for credit but entered in personal/ banking information so that I would be able to receive payments if I sold the item on ebay. I did n't knowingly or intentionally, for that matter, want a credit account with Paypal. In fact I was not even aware Paypal offered credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. 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 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
Your service help me to get the contract from Residential credit solutions in

Company response to consumer: Closed
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new XXXX after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in XXXX before our divorce was final in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
Elan Financial fraudulently opened a credit card account in my name. I made Elan Financial aware of this on XX/XX/2016, and an investigator has still not been assigned. No information has been forth coming from Elan Financial. Their records show return phone calls were made, but they were not, they are lying in their own records.

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 2016-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I have asked Credit Protection Assoc. 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 XXXX 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 non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
Was on XXXX assistance and any related charges were to be covered by them not me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation