vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services by XXXX back in XXXX of 2015. Until that point I had always been on time with my mortgage payments. In XXXX of 2015 I became late on my payment after I made the payment on line but XXXX the account number by XXXX digit so the payment did not go through. I did not realize my error and evidently neither did Carrington because I did not get notified by them for more than 30 days and then my notification came by US Mail, not a courtesy email or phone call, although they had my email and phone number, but they used snail mail. By then I was over 30 days late so a credit report entry was made. To compound matters, they then took my XXXX payment which had been made during the waiting time and applied it to XXXX without telling me that is what they did, and subsequently my XXXX payment became over 30 days late of which I was also not notified in a timely manner, another credit report entry. No phone call, no email, just another XXXX Mail letter, way after I could do anything about it. I finally found out about the XXXX payment so I quickly reauthorized it on line to stop the cascading of late payments. The company has been absolutely un-caring about the situation and unwilling to work with me on it, even though I had obligated all of the money necessary to make all the payments on time and only by a random keystroke mistake was I even late in making the first payment. They also refuse to acknowledge that they share at least part of the responsibility since they took so long to notify me that my payment was late. I am searching for the correct state and federal agencies to work through to ensure this company gets the attention it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Hello, I signed up for US Bank checking and savings a little over a month ago. They have repeatedly taken " charges '' out of my account to the point where it has become overdrawn. Even when I have money in the bank they say it is " unavailable '' because I had just deposited it and they placed a hold on it. Yet they would let the charge go through and then charge me {$39.00} each time! I feel they are systematically stealing money from me and probably many others as well. 

Recently I had adequate money in my account yet they charged me with XXXX overdraft charges. 
I am sure they have several disclaimers they hand out when they open accounts but the paperwork is massive and the type is very, very small. I am getting older and my eyesight is n't what it used to be. It is hard for me to read " mice type '' if I can read it at all. 

They need to have their practices audited. Of course I will close my account with them immediately but I can supply you or anyone else with any details you would like. I feel like I have been robbed by these people as they have taken XXXX of dollars from me and refustThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
I am trying to purchase a home in XXXX MN. The lender approved us for a loan. We have done all of the standard things to get ready to close including scheduling XXXX closing dates that have been cancelled because the mortgage company will not give us a clear to close. When we get real close to the closing date the lender needs more unneccesary paperwork, ie: another paytub or another printout of account details from a stock. The sellers (and us the buyers) are becoming anxious about the transaction and I fear they will move on to the next offer even though we have done all we can from a buyers perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Our monthly mortgage payment increased due to a shortage in the escrow account. To keep our monthly mortgage payment the same as before there was an escrow shortage, we had inquired as to the amount to be paid ( additional escrow amount ) to maintain the same monthly payment ; the service representative undertook some research and gave us a figure which we were assured, that when paid, the monthly mortgage amount due would be the same as it was before the escrow shortage. The shortage was paid in full whilst talking with the service representative. Due to the timing of the payment ( XX/XX/2016 ), the XXXX payment would be a higher amount with the XXXX payment reverting back to the same amount prior to the escrow shortage. Unfortunately, the XXXX mortgage amount due is {$210.00} higher than the amount prior to the escrow shortage. I contacted BBVA Compass and discussed this at length with them and was told that the monthly payment could not be lowered any further even if I made an additional escrow payment to cover any shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
When my IBR was due for its initial review in 2013, I had been receiving emails through XXXX. I did not receive an email notifying that I needed to recertify my loan. The only warning I received noting my IBR expired was a large automatic withdrawal from my bank account. When I called the company, they told me to check my junk mail. When I did, I saw a solitary email noting that my IBR was up for renewal. This was the first time I had to do this process. They told me it was my fault and they would not uncapitalize the {$11000.00} that had been placed on my loan. Since then, I only receive paper statements. I feel tricked. I received an email every month stating how much money I had to pay, but did not receive the big email that was work {$11000.00} of capital? No warnings or anything. Then they did not work with me. I heard from one of my internmates this happened to her too, but when I saw the news reports I realized this may have been less of an email mistake and more of a calculated issue. I wonder how many other people had their loans capitalize on them effectively putting them further in the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB, Compass Bank has manipulated the dates of the transactions that are the subject of my original Submission, case # XXXX. Those transactions took place over the course of many months during XXXX on the account ending in XXXX. NOT in XXXX XXXX as the letters that came in the mail suggest ( attached ). The bank closed that account because of the fraudulent activity and opened the new account ending in XXXX. My original submission shows all of the activity and the dates. I 've also attached a dated copy of some of those fraudulent withdrawals. My original submission shows that Compass Bank admitted the transactions were their errors. After disputing those transactions Compass Bank reimbursed my account {$130.00} and I never heard anything else from them about the remaining amount due to me. Since then, In one year Compass Bank has inappropriately charged my account {$5100.00} in NSF and OD fees. I have attached all new correspondence with Compass Bank. I drained my savings account trying to keep these NSF and OD fees from growing even more out of control. A family member told me about Consumer Financial Protection Bureau. That is when I contacted You for help. I stopped using the account because it had already been charged more fees and was in the negative again ( - {$890.00} ). 
After CFPB contacted Compass Bank they make it look like they are reimbursing the money that was owed to me from XXXX. When in fact all they did was reduce the amount of inappropriate NSF and OD charges that were caused by them not having returned my money at the time of my dispute in XXXX. The only thing this money did was put my balance to {$0.00}. I really was n't reimbursed at all. They have now changed the date of those original unauthorized debits to XXXX XXXX, XXXX in order to confuse the situation and get out of reimbursing the {$5100.00} in NSF and OD fees taken since XXXX of XXXX. Then they closed my account. 
In the letters that I received from Compass Bank, they changed the dates of those errors from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Therefore they investigated the NSF and OD fees that occurred since XXXX XXXX, XXXX and sent me a check for {$42.00} and said this case was closed. 
This is blatant theft and I want all of the NSF and OD fees and the unauthorized debits that they have taken from me beginning XXXX of XXXX and I want it back in the same order that they took it from me. I want {$5100.00} that I was charged for nonsufficient funds and overdraft fees. Then I want the unauthorized debits that they took in XXXX - XXXX. 
Please help me recover all monies that Compass Bank took from me. Please do n't let them get away with this. I am an old woman that lives on a fixed income. The money that Compass Bank took from me was inappropriate. 
I am asking for your continued support in helping me recover all of the money that Compass Bank inappropriately took from me. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
HRRG collections contacted me about XXXX medical bills they say I owe XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I asked them to send me the statements since my I was insured and the bills exceeded my max insurance deductible. I still have n't received anything in the mail. the other day outsource contacted me about the same dates. saying I owe {$1300.00} and HRRG is saying I owe {$2500.00}. HRRG then called me today saying what I owe and when I asked why there was difference the woman got hostel and started yelling at me then I asked for the medical bill so I can take it to my insurance company and ask why I did n't get notified and why it exceeds my deductible. and the woman starts yelling at me and saying that sent this last year she was screaming something I need to contact someone else about and the company I do n't know she was yelling at me so much I did n't understand. I just want proof of what I owe and why. Not to be treated like a child and screamed at. both companies are claiming there collecting for the hospital. and when I to the HRRG lady this she said she mistaken she was collecting for the doctors not the hospital. at that point i hung up just seemed like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: NCC Business Services, Inc.
State: OH

Complaint narrative:
I need to dispute a charge on my credit. There is a matter that the company should have taken me to court over because the lease at the apartment complex that I was renting at was voided, as proven by lawsuits by other renters that were released from the contract because amenities at the complex were closed without notice. Please understand I left the apartment XXXX month prior to what the lease would have been holding me to, had it not been voided by property management when they removed the amenities without notice. 

I rented at XXXX XXXX in XX/XX/XXXX. The contract for some reason was set up for XX/XX/XXXX to XX/XX/XXXX. I rented at this complex because it advertised an indoor pool and fitness center that I could enjoy throughout the year. In XXXX approximately, I went to swim at the pool and the doors were locked without any notice and no sign was posted that it would not be reopened. No notice was given and two weeks later, I inquired as to when the pool would be reopened. They stated it was closed for repairs and would be open again soon. A week after that I inquired again and was told the pool would not be reopened at any point in the future. The fitness center was also locked and unable to be used. Later, around XXXX, A neighbor stopped me outside of the apartment and was very upset that he rented just 2 months prior to these being closed and that he was taking them to court to be released from his contract. Later, I found out that he and several other tenants won judgments in court that the contract was voided and we could not be held to them. As amenities were advertised and not provided. The cost of rent was higher to cover the amenities. 

On XXXX XXXX, I turned in the keys after cleaning the apartment and leaving it in better shape than the day I rented it. As the contract was voided for others, I also am not responsible for the {$750.00} rent for the month of XXXX. Later, I found out that they reported the {$750.00} to collections and the credit bureaus. As this is a civil matter, I feel if they believe that I owe them they are obligated to take me to court over this amount and are illegally reporting this to my credit and turning me into collections. I do not owe this money and this is unfairly being reported. I have emailed them and asked them to remove this. I feel it would be unfair for me to pay travel expenses, attorney expenses and court costs to resolve this matter. I am in Ohio, I believe that if they feel I owe this, they should have to take me to court for this amount. I never received notice from the apartment management that this money was owed at any point. 

Sincerely, XXXX XXXX XXXX Phone : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I applied for a mortgage through carrington mortgage and was pre approved and went through the whole process to obtain the mortgage to purchase a house and paid for the inspection as it was a va loan and then was denied 2 weeks before closing for not having enough reserves when through a va loan there are no cash reserves needed and i lost the house and was out XXXX for the home inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage is reporting a mortgage the that we have paid on-time for 11 years as closed and part of our bankruptcy. This mortgage was NOT part of our bankruptcy plan. It was paid outside the plan, by us, directly to Carrington exactly as our bk plan clearly states. None of the Carrington debt was discharged, but they are reporting that it was.The bk is also discharged now so even if the status changed DURING the bankruptcy, it should be corrected now that the case is discharged. ( This was the case with my student loan. It was listed as closed then within 30 days of discharged, it changed to Open and Active. ) I 've disputed this issue will all XXXX bureaus XXXX, but Carrington keeps saying that it 's reporting correctly. I 've called Carrington at least XXXX times, but no XXXX can help. I found a number for their Research Department and Customer Advocate info online so I sent them both a fax describing the issue. ( They ca n't be reached by phone. ) This error is seriously impacting our credit score and costing us an extra 2 % on a new mortgage that we are taking out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
US bank Acct # XXXX XXXX XXXX TN XXXX PH # XXXX XXXX US Bank XXXX TN XXXX PH # XXXX Bank Manager XXXX XXXX First of all, I 'm on XXXX. My wife died some years ago.She handled all the finances. 
That 's why it took long for me to catch it. It was actually a bank teller who told me I was paying for something I did not need. I think she had a conscience. That 's how I caught it. 
A couple of years back, US bank called me and told me I was in overdraft and should come in right away. I did n't understand why, but I went anyway. I thought I would pay a fee and be done with it. The person at the bank insisted that I needed overdraft protection. I said I had plenty of money in my savings account, and that I would transfer money from there to checking. She kept insisting that I needed overdraft protection. 
Recently I discovered I was signed up without my permission. I specifically said I did not want this. I was signed up for 21 % or XXXX dollars a month for overdraft protection.This has bee going on for quite sometime now. I 'm an old man who needs this money for medication and, well every thing to live on. Like I said, my wife handled all the finances before she died. That 's why It was so easy for them to do this to me. Like I said, if the teller had n't caught it, they would still be stealing from me. I 'm just not good at catching this stuff. When I called the bank manager, to tell her about the money taken from me all this time, she said it was all my fault for not catching it sooner. That I should have caught the 21 % on the XXXX dollars that came from nowhere, or the XXXX dollars a month. She said it was my fault for not keeping up with account. when I asked to see documentation for when this occurred, she said she did n't need it. Really! I am debt free. I have never needed over draft protection. There are people, the sick and elderly me who are easy targets because they are most likely to overdraft. I hope you can help me, but I guessing by now the Banks have gotten good at this.I just found out there charging me XXXX $ for something. Please help. XXXX Tn XXXX ph # XXXX XXXX US bank XXXX Tn. Bank manager XXXX XXXX XXXX pk 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 2015-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I applied for a Premier Line of Credit with US Bank. I wasdeclined for this low interest rate vehicle while theyIncreased a credit card available balance from $ XXXX to $ XXXXThis and my regular line of cr have a 22 % As well as myAPR. While my credit is not perfect I believe this redliningMore than anything. I was simultaneously approved byAnother lending institution with a much lower interest rate. 
US Bank claims I have a XXXX cr score while XXXX listsA XXXX credit score from the exact same credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation