vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am very annoyed with Capital One. I call and no one really helps. I even called their corporate office and no call backs at all. I would like to report a rebill. They rebilled me when I was in XXXX, for six months, the rebill was for XXXX. Not only could the girl not tell me what it was for, she would not help me either. She said they mailed me in the USA a note for me to fill out. How am I suppose to fill that out in XXXX???? She could not and would not help me. This is XXXX a waste of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XXXX/XXXX/2015, I took a cash advance from a XXXX ATM for {$200.00}. But the ATM did not dispense the money. For TWO HOURS NOW, I have repeatedly called US BANK to put the amount in dispute. This is a simple dispute! I kept getting transfered, claiming they did know how to dispute it or it is against bank 's policy to dispute cash advances! I know this is a LIElThese are the following LOW BELL CRAWLERS who gave me a hard time! 
XXXX/I have to transfer you to my supervisorXXXX/ XXXX XXXX / XXXX XXXX/transfered to the fraud dept., where another XXXX answered and then disconnected meXXXX/I have to transfer you to another dept. 
XXXX/It is against bank policy to credit cash advabcesXXXX/I have transfer you to my supervisorTHESE ARE DELIBERATE STALL TACTICS TO KEEP ME FROM GETTING MY MONEY BACK! 
I want all of them fired, BECAUSE THEY LIED ANDI WANT US BANK HELD ACCOUNTABLE FOR THESE XXXX, XXXX, XXXX, BECAUSE THEY ARE UNAPOLOGETIC THIEVES! 
I want my money back plus all fees!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have a car lease loan with US Bank and I was told by the XXXX dealer that I got the car from that I would get a " pull-ahead '' discount on my vehicle and also up to {$2000.00} in credits towards a new vehicle, which my current vehicle is due to be handed in in XXXX. I have not gotten a " pull-ahead '' or any discounts or credits from US Bank. Normally, these " pull-aheads '' and discounts take place 3-4 months prior to the expiration date of lease loan. Apparently, the " pull-aheads '' are NOT from XXXX but rather from the loan company. Some people get it and some do not. Since this is a federally regulated bank, this would be considered discrimination. Please investigate. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
We have spent 5 months trying to close a 3 % refi with XXXX XXXX and his team at Amerisave Mortgage Corp. We paid for an appraisal, and have provided all the necessary documents on time ... some several times. The team was unable to deliver the mortgage after several promised dates. Our lock on the rate ran out and had to be extended 3 times. After much frustration and consideration we walked away. We have since begun working with XXXX, and after 4 days they are nearly ready to close. We feel we were dragged thru a lot of repeated questioning and harassment. Amerisave continually called our insurance agent and harrassed them. They actually asked the agent to violate her license and change numbers on a document by cutting and taping new numbers over the actual ones on the document. This is totally unacceptable and was very embarrassing to us. This was a complete failure to deliver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA
State: TX

Complaint narrative:
American Education Services is calling me every day about XXXX missed payment, the XXXX payment. According to my bank records a check was sent to them on XX/XX/2015 and cashed on XX/XX/2015. They say they have no record of the payment. I contacted XXXX XXXX XXXX who verified that the payment was made on XX/XX/2015. XXXX XXXX XXXX has attempted to contact AES by telephone but received busy Signals. 

This started this past Friday, XXXX. I told AES that I was contacting my bank that they would be calling AES. I was told that they would call me " every day '' until payment was received, which sounds like harassment. Particularly since I have paid faithfully on this loan for years with no missed payments, and the payment that they are calling about is not even 30 days late. I told her that it wo n't do any good to call me every day as I am not going to pay something that I 've already paid and I 'm not doing anything until XXXX XXXX XXXX makes contact with them which will be Monday XXXX. She said that they would call anyway. 

I obtained their fax number to fax them copies of printouts from my account that show this bill was paid. However, there were Communication Errors between their fax and mine, so I US Mailed the documentation. 

Today is Sunday and they have called twice. Both times I ignored the call because I knew what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I contacted LoanCare in XX/XX/XXXX and advised them not to pay property tax bill until revised statement was received as my residency had changed and my property tax bill was going down significantly. I received revised statement and forwarded them a copy. On XX/XX/XXXX they paid the incorrect amount ( {$5000.00} vs. {$1800.00} due ). I immediately contacted them and they stated they would open a case to investigate. They stated that they had to pay the initial bill since it was due. The original bill was not due until XX/XX/XXXX I made several attempts to follow up, but to date ( XX/XX/XXXX ) they have not credited the difference to my escrow or issued a refund. I contacted my county tax office and they stated they issued a refund check for the difference on XX/XX/XXXX. I called LoanCare again and they state they have no record of receiving this payment. I asked to have a manager call me back and they have not. I have since paid the loan off in full and I would like the difference refunded ( in addition to my current escrow balance ) immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. 

The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
One day My husband decided to check his credit report. He discovered that Carrington Mortgage LLc had reported late payment on our Mortgage loan on all credit Bureau 's. This caused of course a lower credit score and now months trying to clear this off our credit report. The month 's Carrington reported late payment were XXXX 2015 and XXXX 2015. I contacted Carrington to inquire about the late payment. Their answer was that it was late because the pay off was made on XXXX XXXX, 2015. Had it been on XXXX XXXX, 2015 then it would not be considered 30 days late. I submitted my XXXX dispute on all credit agencies for this to be removed for it was not accurate. They removed XXXX but not XXXX. I contacted the credit bureau 's to inquire why only XXXX was removed. They said I needed re dispute with more documents. I contacted Carrington, but the only form they provided us with was more like a statement of payments. So my only option was to contact XXXX our new Mortgage company in hopes off getting any documents showing when Carrington got paid. They provided me with the disbursement document. The document shows that XXXX paid off Carrington on XXXX XXXX, 2015 through a wire transfer. So I submitted a dispute once again. This time I attached the Disbursement document and the letter we had received from XXXX stating when they acquired our Mortgage loan which also stated it was in XXXX XXXX, 2015. In all this us as consumers have no control for there was a third party involved XXXX XXXX and it was during a refinancing period. In conclusion the documents submitted to the Credit Bureaus validates that is was never paid late. I do n't understand why Carrington insist otherwise. This has put a big scar on my husbands and my credit report. We have never been late payment on anything, ever! Not only does this affect my husbands and my credit score but most importantly career opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I applied for a loan modification through Carrington Mortgage. I was up to date with my payments at the time I applied. XX/XX/XXXX-XX/XX/2016 while my loan was being reviewed for this modification, Carrington did not post my payments to my account. This concerned me and I called several times to make sure it would not be reported to my credit that I was not making my payments. I was assured this would not happen and that Carrington did not report to the credit bureaus during this time. Of course that wasnt true and it was reported to my credit bureaus I was 30 days behind and my credit score dropped XXXX points. Although I had attempted to be proactive and called several times this still occurred and I was required to write a letter and fax it to Carrington and wait 3-4 weeks for it to be 'researched '. Many phone calls, faxes and weeks later it was removed from my report and I was approved for a 'trial period ' modification. To show I would make the payments although I had never missed payment anyway. 
This trial period required that I make my first payment XX/XX/XXXX and no payment for XX/XX/XXXX because everything had been calculated i was told. Again I was concerned about what would be reported to my credit I was told Carrington doesnt report during this time but a special code is placed on the credit bureau that you are in a modification agreement. Of course that was not true. Because of my past experiences with Carrington I made my first trial period payment XX/XX/XXXX anyway, however Carrington is now reporting that I am 90 days behind and my first delinquency started XX/XX/XXXX. I made my payment XX/XX/XXXX. My credit score has dropped XXXX points. My credit cards are cancelling my credit lines although I have never missed a payment to them either. I was passed over for a promotion at work because of this. I want Carrington to correct this issue and I feel they should have to make some sort of concession to me considering the effect it has had on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.

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 2017-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
In XX/XX/2015 I refinanced my VA mortgage with XXXX and they issued payoff to Loan Care for existing loan of {$260000.00} and has never issued a mortgage lien release on my property. I am now is process of doing a bridge loan to purchase another property and requirement from XXXX is a release of the mortgage with LoanCare. I have tried many times to obtain such a lien release and have been told by all parties I spoke to that release was forthcoming. However, to this date I have not received any release of mortgage which has delayed my closing on new property for more than a week. Still do n't have release and can not close without document. 
I am now in jeopardy of losing earnest money in addition serval appraisals costs to this point. Any help would be greatly appreciated.

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 2015-06-30 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: OH

Complaint narrative:
HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I recently contacted XXXX approximately on or about XX/XX/XXXX to request an affordable Home Modification Plan as a result of circumstantial medical hardship. XXXX approved/granted me a Trial Modification Plan on or about XXXX. Trial Modification period was for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Surprisingly, in the middle of the Trial Modification Process, the new Bank, LoanCare made contact with me by letter on or about XX/XX/XXXX to inform me that my mortgage loan had been transferred. Confused, I contacted the bank, LoanCare with questions and concerns regarding the security of my home, Trial Modification Payments, and contract agreements I previously had with XXXX. Upon receiving the confusing news of my loan transfer, I had already submitted XX/XX/XXXX and XX/XX/XXXX payment to XXXX. I was informed by LoanCare Representative, XXXX ( XXXX ) on XX/XX/XXXX, to submit the final Trial Modification Payment to the new financial loan servicer. The Rep. also indicated to continue submitting new monthly payments until further notice. I never received any further notices, until I received a letter dated XX/XX/XXXX ; informing me that they were no longer honoring the Trial Modification agreement. And, that LoanCare would be making every attempt to foreclose if I did not satisfy 2 years of mortgage debt, which was the time-frame of my hardship. 

I also received an email from LoanCare Rep, XXXX on XXXX, citing erroneously of not finding or receiving my last and final Trial Modification payment in their system. 

I am very disappointed and stressfully concerned with the possibility of losing my home as a result of LoanCare 's unfair mortgage practices regarding the process of my approved trial modification plan. I feel that this large financial institution is taking advantage of an unsophisticated consumer such as myself, by engaging in unfair and/or deceptive conduct during my Trial Modification Process. I feel the cost of a mortgage is substantially more than the benefit the borrower receives from the loan. I am in need of urgent assistance from this agency to resolve this issue fairly.

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 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
To Whom It May Concern : On XXXX/XXXX/16 ( Thursday ), I called Carrington Mortgage Services informing them, I would be sending {$7000.00}. The person I spoke with, asked if it was possible to send {$7100.00}, this way I would only be one month behind and this would stop foreclosure. I told her I could send the amount she stated. I was given XXXX options of making the payment. On XXXX/XXXX/16 ( Saturday ) I sent {$7100.00} XXXX XXXX. XXXX XXXX was unable to send the money all in one payment, so the payment was broken into two payments. On XXXX/XXXX/16 ( Monday ) I called Carrington Mortgage and spoke with someone who told me my payment of {$3500.00} was return and foreclosure procedures began on XXXX/XXXX/16. I expressed that I sent two payments in that amount, which totaled {$7100.00}. She stated, I would receive the foreclosure information and she would also send the information to my email address. I yet to receive the information. I decided to call back later in the evening ( XXXX/XXXX/16 ). When I spoke to this person, she stated they wanted the payment in full and not in two payments. I then expressed, that I did what I was instructed to do. The option I was given, was XXXX XXXX and it 's not my fault they were unable to send as one payment. I was still unsatisfied, so I decided to call XXXX/XXXX/16 ( Tuesday ) and ask to speak with a supervisor. The person I spoke to wanted to know the reason, I explained the situation once again and was put on hold. When the person returned they begin telling about the foreclosure. I told them this is why I wanted to speak with a supervior. I was placed on hold and once the individual returned, they stated there was no supervisor available. I said there has to be someone above her. What seemed to be long, to me someone came to the phone. The first thing was said, was you sent {$3500.00} and that 's why foreclosure preseedings began today. I repeatedly stated how I did what I was instructed to do. I stated, it appears that once the one payments was seen, who ever returned the payment shuld have cleared all payments before assuming that was the only payment. Who else have this been done to? She stated it is n't their fault I was behind over six months, foreclosure should 've started when I was 90 days behind. I expressed, that I was originally with XXXX XXXX XXXX, who transferred me to Carrington. I could n't send a payment until there is an account number. This process took almost 2 months. I did a modification which took 2 months. She then stated she would call me Monday XXXX/XXXX/16. I do not trust that she would have my best interest at heart. I feel she 's using this time to see how they can get Lawyer fees, court fees, any way for Carrington to get extra money. Your assistance in this matter is greatly appreciated. Thank You in Advance.

Company response to consumer: Closed with explanation