vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have had this credit card from XXXX XXXX XXXX for more than 10 years and had gone over the limit but the credit card company was approving the transactions. I have not been using the card for over 3 months but been paying my monthly payments that are due. 
Last month they have been bought over by Elan Financial Services under Fidelity and now demanding that I pay the over limit amount of {$1000.00}. I have been paying my payments monthly and have never been late. I have requested them to increase the limit but they refused to do that and demanding me to pay {$1000.00} by XXXX XXXX, 2016. I asked them why did they let the transactions go through if I was over my limit and their response is it was a benefit offered from XXXX and now bought they have been bought over by another payment processor Elan and that is why the rules changed. This is fraud just because a company is bought over by another company you do n't harass clients. 
The president should do something to protect the public. There are several complaints about Elan Financial Services on XXXX. I would appreciate if could handle this otherwise they will put late fees and add other additional fees for the {$1000.00}. I am willing to pay my monthly payment but not {$1000.00} of the overlimit amount. Unable to upload old Statements since they have been bought over its a new website login and old statements are not available there where I can prove that I do n't use their card but just paying it off. 
I have also lodged a complaint with the Office of the Comptroller of the Currency US Dept of Treasury, The Presidents Office Board of Directors of Elan Financial Services, Federal Reserve Consumer Help.

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 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Due to the transfer of the Fidelity Rewards credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Elan Financial Services, I was no longer able to access my account online and retrieve my online statements and pay the bill. XXXX no longer had records of my account and I had trouble logging into Elan Financial Services. I had a past due amount of {$9.00}, but a late fee of {$10.00} was imposed instead, which violates the CARD Act amount of the late fee equaling minimum payment due ( which would have been {$9.00}, not {$10.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: FL

Complaint narrative:
My mortgage services is Residential Credit Solutions. To pay the mortgage only line they charge a minimum {$5.00} fee. Not wanting to pay the fee, I am forced to mail a check every month. the last 3 months, despite mailing the payment in at least 5 days in advance each time, RCS does not process the payment until XXXX+ weeks after the payment has been mailed. They then charge a late fee for receiving the payment after the XXXX of month. They should not be charging a fee to accept an on time payment processed online thorough their website. they claim they are not a bank so there fore they have to use a XXXX party service who charges them fee and the the consumer must pay the fee. they claim they can not control the post office, but it does not take XXXX weeks for mail to arrive to a domestic location. I have now been charged {$140.00} in late fees, plus been forced to pay an addition {$10.00} in online payment fees

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
RCS, the Loan Service Provider, has rejected an appeal to my Loan Mitigation Application based on completely false facts. 
This complaint is related to Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: PA

Complaint narrative:
I have disputed the debt several times and NCC Business Services refuses to remove the error from my credit report. I am a XXXX that I can not complete because I am continually getting denied for student loans. I have never had a collection problem prior to this, and I would have payed the debt and took responsibility of the issue had it been my fault. 
Damages to carpet were caused by a flood during the appliance repair caused by the installer. Shortly after, mortar pointing left the entire apartment covered in dust, including the carpet. Other incidents also occurred, none of which were caused by the tenants. 

I have paid a lawyer to attempt to remove the collection because I have been falsely targeted, but the cost is almost as much as the debt itself. I am fighting this because not only am I not responsible for the damages, but now I must pay fees to fight these claims. I sent a letter to NCC Business Services explaining why the charges are not my responsibility, but they never responded or have done anything to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I paid the debt in full over a week ago to Rash Curtis and they still continue to bombard my cell phone with calls from all over the U.S. They have not cleared the XXXX credit bureaus either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: IL

Complaint narrative:
the collection agency NCC, phone # XXXX, repeatedly call my number and asks to talk to someone that is not me? 
I informed them that I am not the person they are trying to contact and requested on several occasions to not call my number and, to remove my contact information from their files. 
I spoke to a supervisor, XXXX XXXX and informed him of their continued ignoring of my requests. They continue to call with being very verbally abusive with using threats & foul language. 
Now I have resorted to do the same behavior. 
They have called on the following dates & times ( cst ) XX/XX/2016, XXXX cst ; XX/XX/2016, XXXX ; XXXX, XXXX ; XX/XX/2016, 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 2017-01-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: SC

Complaint narrative:
BBVA COMPASS HAS RESPONDED TO COMPLAINT BUT IS ONLY RESPONDING ABOUT ONE ACCOUNT AND IS IGNORING COMPLAINTS ON OTHER ACCOUNTS. ALSO, I HAVE RECEIVED NO CALL FROM AN INVESTIGATOR AND HAVE LEFT MESSAGES AND FAXES FOR XXXX XXXX MANY MANY MANY TIMES AND GET NO RESPONSE. I WANT TO KNOW WHEN TO EXPECT THIS ISSUE RESOLVED. I JUST WANT THE ACCOUNTS CLOSED. AS I EXPLAINED TO " XXXX '' CUSTOMER SERVICE FLOOR MANAGER, THE FINAL DISPUTE OF XXXX TRANSACTIONS WAS DUE IN LARGE PART TO LACK OF COMMUNICATION FROM BANK. CAN YOU PLEASE ADVISE WHEN TO EXPECT RESOLUTION?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17 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: Unique Management Services, Inc
State: PA

Complaint narrative:
My son has control of my library card and had used it. He hid the late notices from me. When I found out Through XXXX that I had owed {$96.00} I was XXXX. I told to pay the debt. So he went to the XXXX XXXX Library to pay it. The XXXX XXXX Library should have it on their books as paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought my first house in Florida after graduating from college and securing a job. I settled down and had a family. Then, my job relocated me out of state. The housing market crashed. I had a high interest rate XXXX % and was severely 'under water ' and I could not refinance. I submitted several hardship requests to the bank asking for help with little help. I held on for the property for over 5 years and consecutively lost money every month. 
My husband lost his job and my son had health problems. I could no longer afford to lose money on a XXXX residence that I finally put the house up for sale. I bought the house for $ XXXX and sadly could only sell the property for $ XXXX. 
Before finalizing the short sale, I worked with BBVA Compass where I would pay $ XXXX of the short sale. I never received a bill or statement so I sent in a check to the normal address for mortgage billing. My check was returned with the response of 'account has been closed '. I called in several times to only get a voicemail and my calls were never returned. 
A few months later a debt collection company reached out to me with a XXXX bill. I did n't have that much money. We negotiated a {$2.00} settlement to cover the whole outstanding balance with Compass Bank. The next month I was served with court papers. I immediately hired a lawyer. I was never notified of my court date and now I had a judgment of the full balance ~ $ XXXX. 
I tried working with Compass Bank continuously since the judgment date ( XX/XX/XXXX ). Their legal team was not aware of the $ XXXX settlement paperwork. I 'm trying to get them to work with me and they refuse and want to play games. For example, they offered me a settlement option at $ XXXX XXXX 2015. I tried to accept the offer later in the year ( after securing enough $ $ ) and now they wo n't accept that offer. They continue to garnish my bank accounts and cause emotional distress to family. Their greed and business practices are disappointing and unethical. I want to terminate my relationship with this company and move forward but they will not make any counter offers or strive to make an attempt to resolve this issue. 
I 've tried requesting help from governmental agencies with no luck. There are a lot of programs available but because the loan was not underwritten by XXXX XXXX or XXXX I have n't qualified. Please help!! 
Respectfully, CBK

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I made my XXXX mortgage payment early in XXXX. The mortgage company 's website said my next payment was due in XXXX and showed the next automatic debit scheduled for XXXX XXXX. 
On XXXX XXXX the mortgage company debited my account. I called Customer Service on XXXX XXXX in the afternoon and requested a refund -- I then emailed Customer Service requesting the refund with a screen print of my bank account showing their debit. I was told that a refund would take XXXX business days. 
On XXXX XXXX ( 2 weeks later ) I called Customer Service again. No action had been taken regarding my refund! Customer Service said they would speak to management and expedite the refund. 
On XXXX XXXX ( 1 week later ) I called Customer Service again. They said a paper check had been put in the mail on XXXX XXXX, and I should expect it within 5-7 business days. 
My Problems : 1 ) The website is not accurate and customer service is not aware of it. 
2 ) Customer Service was unresponsive for 2 weeks on the refund. 
3 ) Zero communication from the mortgage company about the refund. 
4 ) Refund is not in-kind -- they took my money by direct debit, but then refund by check which will take 5-7 business days to arrive and then multiple days to clear my bank account. Meanwhile my next payment is due in 4 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KINGS CREDIT SERVICES
State: AZ

Complaint narrative:
Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Our former bank, BBVA Compass, notified us that they would begin charging us a monthly service fee effective XXXX/XXXX/16 if our balance with them fell below a certain amount. To avoid this, we closed our account at that bank in XXXX 2016, and in doing so, paid off the outstanding balance on our Overdraft Line of Credit associated with that account. 

In XXXX 2016, we received dividend payments via EFT transfers that were directed to this now closed account. Rather than reject these payments back to the originator because the account was closed, BBVA Compass elected to open a bank account in our name, illegally, without our authorization, without notifying us and by reusing our old account number in order to accept the credits. 

As the balance in the illegally opened account fell below their minimum requirements, BBVA Compass assessed us their service fee in late XXXX. This fee caused our account to be overdrawn, so BBVA Compass advanced funds from the Overdraft Line of Credit that they established, illegally, in our name, without our authorization and without notifying us they did so. Subsequently, we received a notice re : the Line of Credit Advance from BBVA Compass ; we then contacted them to learn what had happened. 

Because our account was closed, BBVA Compass should have returned/rejected the initial EFT transfers as required by standard XXXX regulations and sound business practices. They should not have opened a new bank account and established the Line of Credit on our account WITHOUT permission and notification. They have indicated that they will not acknowledge these errors are their fault, nor will they reverse the transactions processed into these illegally opened accounts. 

How many other customers has this happened to? We are insisting that the bank refund our credits and delete the charges. The bank is opening up accounts in clients names without their knowledge just like XXXX did to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Unique Management Services, Inc
State: PA

Complaint narrative:
I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Bizcorp, LLC
State: MD

Complaint narrative:
Someone continuously calls my home and family members about a bogus payday loan. They are threatening me with sapena and legal threats. In XX/XX/XXXX or XX/XX/XXXX I did take out a payday loan but I do n't remember the name of the payday loan that I used. The people who called me lead me to believe that they were representing the payday loan that I supposedly used. I asked them to send me documentation stating in writing that I owe them money. They said they would send me an email pertaining to the outstanding payday loan.Due to the scare tactic of them threatening to come to my job and constantly calling my family and me numerous times. I set up a payment arrangement. As I was giving them my information they said they can only take credit cards or debit card prepayments. And so I agreed but once I got off the phone with these scammers I looked up their company name that they gave to me over the phone and the internet revealed that the company is not to be trusted. They are scammers. I have 4 prepayments set up starting on XX/XX/XXXX. I am unable to cancel the payment arrangements and /or prevent them from using my debit card or personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
COMPLAINT AGAINST THE CAR-MART IN XXXX, GA STORE : My payment is {$270.00} per month, we started out with a {$6800.00} bill and our balance is approximately {$2600.00} and CAR-MART continue to harass us each month, making threats of repo on the vehicle to sell. They sent someone to our house last month when we had company in our home and the person refused to leave from in front of our front door demanding that my wife get on the phone, demanding a payment because they claim the payment was 5 days late. He continued to verbally demand my wife get on the phone to make a payment in front of our guests, allowing others to be in ear shot of a collections demand at our front door about my personal business. Now, they claimed our payment was 8 days late and repo our vehicle on XXXX/XXXX/2016. The sad part is my wife make another payment on the vehicle and all of sudden not even 10 minutes later someone was knocking down our front door and repo my truck. I have paid over {$4000.00} on that truck. I feel we are being harassed because the Truck is XXXX paid in full and it would be of profit for Car-mart to steal our vehicle and sell it to someone else. Call me at XXXX. We also faxed a complaint to the XXXX store last month over the violation of our privacy rights in front of guest at our home and this month - XXXX 2016, they repo the vehicle in retaliation of that complaint. My payments are current and I have all the receipts, I have never missed a month payment to Car-mart. Additionally, they pull a bate and switch when I first obtain the vehicle. They stated if we bought them XXXX fans in a promotion that my down payment would be {$500.00} down. However they increased my payment over a 90 day period to {$470.00} per month to get the down payment money back. I did not realize this situation until after the fact and I was forced to pay {$230.00} every two weeks for 3 months for the down payment. Now that I have paid off over XXXX of the vehicle they came and stole the vehicle out of my front yard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.

Company response to consumer: Closed with non-monetary relief