vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: URS Holding, LLC
State: CA

Complaint narrative:
I have student loans that I 'm repaying to XXXX. They changed their loan repayment service to XXXX for XXXX of my loans and the other XXXX remained with XXXX. I was not aware of these remaining XXXX loans and so they were defaulted for about a year. I never received any communications regarding these XXXX remaining loans. All my student loans are currently in repayment via XXXX and XXXX XXXX and I have excellent repayment history and credit. However, I was contacted by Enterprise Recovery Systems regarding these defaulted loans XX/XX/XXXX. In a show of good faith, on XXXX XXXX 2016, I paid them {$12000.00} as a lump sum ( $ XXXX/month for each monthly payment missed ) and set my monthly payments to auto-deduct from my bank account for $ XXXX/month. I was reviewing my statement last week and noted a {$20000.00} collections fees imposed by Enterprise on my account. The balance on the account in addition to the collections fees is about {$86000.00}. I tried to call and discuss with them that I was unaware of the defaulted loans, no contact was made with me for a whole year regarding these defaulted loans, and I made a large payment of good faith, more than I could probably afford. They referred me to XXXX, who was very upset that Enterprise had n't contacted them directly about this issue and they said they 'd look into it. I have n't yet heard any updates. And Enterprise has called me 5 times in the past two hours from XXXX different phone numbers and they 're telling me the only way to get the collections fees of {$20000.00} taken off is to make larger payments on the principal balance. I keep telling them I can not afford to do so given my other student loans. Now, I am a recipient of the XXXX XXXX XXXX award given out by the California state government. This is to help pay off my loans. This shows that I am in good standing with ALL my loans with regard to repayment. This in my opinion is harassment by Enterprise Recovery Systems with regard to pursuing more repayment but also the collections fees of {$20000.00} does n't seem like it would be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: Altitude Community Law P.C.
State: FL

Complaint narrative:
In XXXX, I was contacted by a law firm called Hindman Sanchez, regarding a debt owing to my HOA, managed by XXXX XXXX, in CO. Prior to that, we had paid our HOA dues by ACH, as we now reside in Florida. When I received the notice, I looked at my bank account and realized that the HOA had stopped submitting the ACH 6 months previously. I immediately wrote a check to cover the difference, but shortly thereafter received another notice that Hindman Sanchez was intending to pursue collections. I asked for clarification on what they were trying to collect, but did not receive a response. I then received a letter stating that they have obtained a judgment, but when I call them, nobody answers the phone. I have documentation of all the payments but can not get anyone to respond to my calls or emails. Any help you can provide would be much appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NJ

Complaint narrative:
United Recovery Systems called my place of employment and was very nasty to the secretary. The man wanted to speak to me and the secretary explained that I was in class. I am a XXXX I could not leave XXXX, XXXX year old children to come to the main office and speak to him. Apparently, my class was not important. 
I am now in debt settlement and have a law firm handling my case. I have since XX/XX/2014. 
It is illegal to harass people at their place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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:
Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: United Consumers Inc
State: NC

Complaint narrative:
Keeps calling even after I told them we do not know " XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: SC

Complaint narrative:
Enterprise Recovery Systems , Inc . 
XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. 
If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... 
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My mortgage was traded to Freedom Mortgage, XXXX 2015. Per line XXXX of my XXXX, I have a front foot assessment payment that is applied to my escrow. After multiple calls to Freedom Mortgage over a period of 6 months, Freedom Mortgage has advised me that they will only pay this assessment for this year and will not pay the assessment in future years. This is a breach of my closing contract. I never signed any documents allowing Freedom Mortgage to change the terms of my escrow contract. I have also requested documentation from Freedom Mortgage stating that they will no longer honor my escrow agreement. They have advised me that they will not send me any documentation stating that they will not pay the annual assessment.

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 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
My husband and I had a mortgage loan with US Bank. We never paid the loan late. We paid the loan off on XXXX XXXX, 2016. However, the lien on our house has never been released. We have contacted the bank " a lot ''. The bankers are very nice. We have letters saying they are releasing the lien. However, XXXX XXXX we live in, XXXX XXXX, Colorado says the lien has not been released. We are concerned that if we just let this go the lien release will not be completed and we will have more problems in the future.

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 2016-02-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediately into foreclosure proceedings. 

Further attempts to inquire further at various locations, primarily at the University XXXX - XXXX XXXX branch, were halted and misdirected continuously and no solution was rendered. 

U.S. v. XXXX XXXX, XXXX, XXXX XXXX shows some of the fraudulent activity the bank was engaged in, especially when dealing with mortgage backed securities fraud. 

Documents regarding the XXXX case can be compiled to the misuse of funds the bank handled, while not only receiving HUD certified PMI funds, but also reclaimed the property and resold it. 

The eviction process aided in emotional damages to ailments, that eventually received their indication upon evaluation and post eviction Social Security determinations, however due to the process being such one that was slow and ongoing, did not meet the lenders requirements for immediate help and ultimately occurred after they kicked my family and I out and were left for homelessness. 

Judge XXXX XXXX made remarks regarding the wrongful foreclosure on his, " Fully Favored '' decision on the Social Security determination letter. Upon going to further therapy, XXXX was present during the wrongful foreclosure eviction, but also while engaging with employees when attempting to get clear communication and negotiations handled with US Bank representatives throughout the hardships mentioned. The diagnoses was in the process of being documented, yet was still present even before purchasing the house, due to ongoing and varying XXXX factors that did not makeup the reason for purchasing the house, but did require a safe place of shelter that allowed for recovery, which the bank upon completion of their processes, did not take into account, even when efforts to provide financial backing to recovery the property were undertaken.

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 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. 
The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. 

This hold was an afterthought. 

I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. 

The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. 

I need help from CFPB in the following. 


1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 

2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 

3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 

4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Sokaogon Finance, Inc.
State: NM

Complaint narrative:
I am working with a credit counseling service to deal with my debt issues. The company, Green Pine Lending, is calling before XXXX local time and is also harassing friends.

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 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hello I currently have a mortgage with U.S. Bank Home Mortgage. In XX/XX/XXXX my wife and I decided to do short sale on our property so we hired an attorney to handle the process. While we were going through the process my wife became very ill and was diagnosed with a life threatening illness, so bad that we did n't think she was gon na make it out of the hospital. Not knowing what the outcome was gon na be I asked our lawyer to look into a mortgage modification. U.S. Bank agreed and we began that process i submitted all documents and verifications that they asked for. I got started on the trial period payments, made 2 and the third was n't accepted. After some communications with U.S. Bank I did n't like the way my lawyer had been dealing with them so I decided that it would be better served handling it myself. So I began the process all over again on my own, submitting all documents and verifications myself and waiting and waiting. So ever since I started the process myself its been very limited communications. When I would call I would be told that it was still under consideration and I would hear something soon. Finally XX/XX/XXXX I get something from them and its a notice of intent to foreclose. I contacted XXXX and they began working my case in XX/XX/XXXX of last year. Every time I 've spoken with U.S. Bank since then I 'm being told that they have n't recieved anything from XXXX even though I 've sent all of the documents and XXXX has the same contact information that i have. I 'm not asking them to lower my payments, my wife and I went through a terrible medical ordeal that we are still dealing with, but now that she 's better we only want to move the back payments to the end of the loan and get started fresh.

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 2015-08-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
My complaint is about a dispute improperly handled by the credit card company. 

My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. 

I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. 
-The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. 
-XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. 

When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. 

I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. 

It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.

Company response to consumer: Closed with monetary relief