vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX/XXXX/2016, US Bank sent me a letter stating that, I owe them {$1200.00}, they already closed the account, but I 'm the one responsible to pay them back. It was really out of blue, cuz I 've never opened an account with US Bank. So I went to the US Bank Branch in XXXX and found out the account was opened online, and I immediately assumed that my former roommate XXXX XXXX XXXX XXXX did it as he was arrested for Identity Theft and Commercial Crime on XXXX/XXXX/2016. After his arrest, we found images of my Social Security Card and Drive License along with other victims 's on his computer. So I explained all this to the Branch manager and opened a claim for fraudulent open account. During investigation while I was there at the Branch, the Branch manager pulled out records of a few deposited checks in that closed account, including fake checks which XXXX XXXX made himself and a stolen paycheck from my neighbor. So I asked the Branch manager for copies of the check images for me to file a police report with, but she refused to give them to me, her excuse was that she did n't have permission to which was an obvious lie as they claim it was " my account '', why would n't she and I have permission to access " my own account ''? Anyway I left the branch after I filed the claim. Upon request, I followed up with my statement and a police report I made a day after at the XXXX Branch. But after a week or so, US Bank sent me a letter stating that, they closed the claim not in my favor, the accounts were not open fraudulently, and it is a civil matter between me and my roommate. After that I called US Bank many times to ask them for explanation, they could n't even give me any detailed explanation but was only basically saying that it was my fault for having allowed my roommate to gain access to my personal information, which seems like total nonsense to me. Then I asked the supervisor of the claim department over the phone to provide evidence they have to prove I was really the one who they believe opened the account, but she came up with excuses trying to avoid getting into that conversation. 
I, Ran He as a victim is being treated unfairly by US Bank whom does n't care about right or wrong, but is only concerned about regaining their loss. To me, this is not only about money but also justice that needs be justified and solved in a righteous way!

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 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on XX/XX/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only {$190.00} which is a total lie. MY monthly bill is {$810.00} and I paid 5 payments of {$190.00} and it was received by them on XXXX XXXX. In my bill for XXXX, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sent me that says I did n't pay my recent mortgage bill in full. I actually called US bank 2 weeks ago and complained to the agent about their harassing letters that are full of lies, the agent on phone told me yes they received my recent bill on time and that the letters they sent me were in error. Yet I still keep receiving these letters that still says I should make my monthly payment by now and threats about being reported credit bureau agencies for late or missed payment. 

I want US bank to look at my mortgage account and correct any errors and contact me to apologize for all the harassing letters and the attempted scams. In the attachments I have sent with this complaint, you will see 1 letter that proves I made my XXXX payment on time and paid more than the due, you will see 2 letters that says I did n't make full payment and threatens to report me to credit bureau agencies.

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 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ROC Asset Solutions, LLC
State: WA

Complaint narrative:
I received calls from the same person at both XXXX XXXX and XXXX XXXX stating that a friend of mine has financial fraud action pending against her, and she left my number as a reference. After the XXXX message, I called my friend and left her a message repeating the charges and phone number. Then I called the above number and left a message stating that I called my friend and gave her the information ... I stated my full name and personal cell phone number and commanded that she do not call my number again. A few days later, I received a message from my friend stating she called the number and made arrangements to pick up the payments. However, I received another call afterwards from the XXXX number asking directly for my friend by name claiming that my friend returned her call from my number. Yet when I tried to tell this person she did not call from my number, she insisted that she did ... this harasser threatened every time that she called that she was going to send the allegations forward ... I told her to send it forward and that I contacted my friend and gave her the information but I was not giving her number ; now it 's between the XXXX of them and if she calls my number again, I was going to report her for harassment. Yet today, this same person called again asking to speak to my friend by name. When I tried to tell her that my friend called her from a different number, she claimed I did n't know what I was talking about and again, threatened to send the allegations forward. Throughout all of this, my friend insists that she spoke to someone and made arrangements to pay. I just spoke to her again today. I 've had enough of this person harassing me personally for a debt I do not owe. There were somewhere between 10 to 15 calls this month alone. I pray that this complaint with stop the harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers. 
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement. 
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX. 
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''. 
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call. 
This has been an ongoing issue since XXXX, XXXX. I need resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Helm Associates
State: PA

Complaint narrative:
In XX/XX/XXXX purchased a XX/XX/XXXX Chevy Impala. Since then I believe the car sold to me is a lemon. In the past year I have experienced many different problems, along with constant recalls from the transmission and the ignition which is linked to accidents. None of these problems have been fixed. I recently took the car into a service center and they informed me of not only the problems I was aware of, but also they then informed me not only was the car not worth the blue book value, but the engine was going to fail probably within the next week. I have since then decided to turn the car back into the place of purchase and have called and informed of the decision to return the car. Since then I have received constant harassing phone calls from them, but I have informed them I ca n't bring the car in because they have zapped the car so I am unable to drive the car to them. I did inform them the location of the car so they can come and retrieve it. During the entire process I feel as though I have been disrespected by several members of their staff and was not dealt with in a professional manner. I also feel as though they have threatened me and told me how " they '' will handle the situation. There is a right and a wrong way to deal with a customer, and their customer service has been appalling. My final conclusion is that B & B Auto is a company that is not honest and will sell a car to anyone if it means them making a dollar. They are disrespectful and do n't value their customers. Sadly I have heard this about them before, but now I have experienced it for myself and will not be recommending them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: URS Holding, LLC
State: NY

Complaint narrative:
After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: TX

Complaint narrative:
A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, my son was being treated for XXXX. I called the mortgage company, Planet Home Lending, and advised them that it would be difficult to make a payment because my son was sick. I asked the mortgage company if they offered any kind of service that allowed me to make a reduced payment that month. 

They told me that I should not worry about anything, because I could simply make a double payment the next month and everything would be ok. The next month, when I attempted to make a double payment, they told me that they were no longer accepting my payments because they had placed me in foreclosure. 

When I advised them that someone told me to simply make a double payment, they told me that they would no longer accept my money, and that instead I should apply for a loan modification. 

They sent me the paper work, but everytime I submitted it they returned it to me saying that documents I had already submitted were missing. In the meantime, I was served with foreclosure paperwork. 

When I called Planet Home Lending to inquire about the foreclosure lawsuit, they told me it was nothing to worry about. Planet Home Lending said it was all taken care of for me and that I should not attend court because there would be no foreclosure. 

I continued to attempt to make mortgage payments and to finalize the loan modifications, but Planet Home Lending refused to work with me. On Thursday, XXXX XXXX, the mortgage servicer foreclosed on me and set a sale date for XXXX XXXX, XXXX. 

This is a XXXX loan. The servicer refused to work with me. They purposefully lied to me. They told me to not attend court. They refuse to handle my loan modification properly. I have sick child, and I can afford my mortgage, yet they are refusing to work with me and are attempting to sell my house.

Company response to consumer: Closed
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company
State: NC

Complaint narrative:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUBURBAN MORTGAGE, INC.
State: AZ

Complaint narrative:
I recently applied for and was accepted into the FHA-approved Home in XXXX Loan through Suburban Mortgage in XXXX. Initially, I was going to go through my credit union but XXXX with Suburban Mortgage assured me that I would qualify for this advantageous loan and persuaded me to place my business with them. I provided him with my past 2 year 's tax returns and all other paperwork needed for the approval. I was approved for this loan in XXXX of this year. He told me that I was approved but failed to mention that there is an income requirement for this type of loan. He called me with 2 week 's to close to advise me that " underwriting '' would not approve my loan because of my income. I watched as my dream home faded away through no fault of my own. He had my tax records as well as my past month 's bank statements which clearly show my income. He then offered to switch me over to a different kind of loan if I would stay with them! I had to pay a {$99.00} fee to take an exam in order to obtain this loan ( which I passed ), a termite inspection fee ( {$50.00} ) and a home inspection fee ( {$350.00} ). Suburban Mortgage materially misrepresented this loan to me and lead me along, fully knowing that I would not qualify for this mortgage. Not only did I lose out on the purchase of my home, but I am now also out financially. I have tried calling his manager, XXXX XXXX at XXXX but he has not returned any of my phone calls.

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 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: URS Holding, LLC
State: KS

Complaint narrative:
On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. 

I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. 

On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: MD

Complaint narrative:
While purchasing a new home from K. Hovnanian XXXX , L.L.C., I opted to use the builder 's mortgage company - K. Hovnanian American Mortgage ( KHAM ). I had four notable issues with KHAM : 1 ) Despite receiving a written confirmation of a scheduled closing date from the construction supervisor, I was repeatedly denied the opportunity to lock in my mortgage rate. KHAM would not allow me to lock in my rate, despite being within 60 days of the scheduled closing ( the earliest point that they would allow my rate to be locked ) until they received an update from the builder as to their progress. As a result, the interest rates increased and I was not able to lock my mortgage rate in at the rate I initially wanted to and locked in a substantially higher interest rate. 

2 ) After the closing date got pushed back due to the builder not being complete, the rate-lock that I had obtained expired. The builder, extended the rate-lock for an undefined period of time, at their own expense, while the construction issues were being resolved. After the construction issues were resolved and the builder declared they were not going to be paying for the rate extension any longer. KHAM then attempted to charge me a rate lock extension. I explicitly told them that I neither requested the initial rate lock nor wanted to pay for a new rate lock since the prevailing mortgage rate was identical to the rate I would be locked in at. After being told that the rate lock fee was their lender 's policy - I demanded to see a copy of that in the disclosure documents that had been provided to me. After they were unable to produce any documentation to substantiate or indicate that they disclosed this fee to me, they agreed to absorb/waive this fee. ( I believe this may be a UDAAP violation. ) 3 ) KHAM was in regular communication with the builder with regards to my personal finances, mortgage status, and other sensitive financial details without my consent. 

4 ) KHAM at one point demanded that I produce account statements for a trust account that I am neither a trustee on or a signatory on. While reviewing my financial statements, I disclosed that I received a substantial gift from my grandfather 's trust, that was currently in my mother 's name as the sole trustee. Despite that the fact that the money was wired from a XXXX XXXX Trust account to my XXXX XXXX Checking account - KHAM repeatedly refused to accept letters of attestation, copies of my bank statements, letters from the trustee, and communications from the banker who oversee the trust for XXXX XXXX as sufficient to " source '' the deposit. Despite repeatedly explaining that I did not have access to the account statements for the trust - since it was not my account - KHAM repeatedly demanded that I produce them for their review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
A person calling from XXXX telling from quicken loans called me, I suggested not to go for refinancing now, called my wife and told your husband is ok with the loan from us and your husband has told to take the Social Security Number from you. So we are calling you and provide us ure husband social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
I am writing in reference to my history of payments and what is being reported or what is present on my statements, which contains a wide range of discrepancies according to my bank records and what is being reported. I am wanting to come to a resolution of the issues as they present and the continued calls on a monthly basis which was portrayed in the beginning as following BAC transfer back in XX/XX/XXXX and Nationstar Mortage, LLC stated that terms of my loan would not change. This is false and deceptive practice as according to my records and their records they are charging me unknown fees, taking more out of my escrow and can not explain where my escrow is placed I always seem to be short according to them. They are engaging in deceptive practices by calling me daily this month of XXXX and prior to that I was told that they were to cease all communication efforts, quite confusing and frustrating. I was current according to my records as of XX/XX/XXXX however they state on their records from XX/XX/XXXX report I was XXXX past due, then XX/XX/XXXX stating I was XXXX behind when in both months a payment was made XX/XX/XXXX of XXXX, XX/XX/XXXX XXXX with no reflection of where my difference was placed then your statement reflected on XX/XX/XXXX I was past due XXXX I then paid XXXX on XX/XX/XXXX which was to bring my account current, I am wanting some assistance in addressing this matter ASAP as I apparently am still in collection status which is not acceptable when a payment of XXXX was made in XXXX and no explanation of fees over the course of the time they have taken over my loan it was not a new loan but a transfer from XXXX XXXX XXXX and I have my statements from XXXX and transaction history.

Company response to consumer: Closed with explanation