vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
My checking account was defrauded on XXXX/XXXX/XXXX. Someone stoled my debit card and deposited counterfeit checks, I reported it to the fraud department the same day and was told a form would be mailed. I received the statement on XXXX/XXXX/XXXX along with letters saying my account was closed and they sent me to check systems and i had 10 days to fax fraud statements which when received i had ine day to get it faxed. Then that was first claim the second claim i never recso i finally. received on XXXX/XXXX/XXXX which I faxed and in XXXX/XXXX/XXXX. I was granted provisional credit for {$200.00} and my account was overdraft ed by {$4300.00}. My account was closed. on XXXX XXXX and they forced my XXXX depisit and are keeping it no provisional credit yet and they are not going to release any money. I followed all rules of reg e

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Under my personal information, it states that I worked for a laundry company. I have never worked for a laundry company. I have no idea why this would be listed on my credit report and question if any accounts were open under my account that do not belong to me. Please remove this employer.

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 2015-12-21 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: National Enterprise Systems, Inc.
State: MN

Complaint narrative:
My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Performant Financial Corporation
State: NY

Complaint narrative:
I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Performant Recovery. I had federal student loans that were being collected by XXXX, I could not afford to pay them at the time and defaulted. In XXXX of XXXX, I spoke with XXXX XXXX and agreed to a nine month XXXX program with Performant Recovery for my defaulted federal student loans. Performant Recovery , Inc. is located at XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX XXXX 's telephone number is XXXX. After making my ninth payment XXXX XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within 72 hours. 72 hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have be in a position to rehabe my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want Performant to honor the contract to which we agreed. 

Sincerely, XXXX XXXX ( formerly XXXX 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 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
This is the letter I submitted to Fay Servicing regarding property taxes that they paid on my behalf out of my escrow account, on a piece of property that I did NOT own. 

To date, they have done nothing to resolve the issue. 

RE : Property taxes being paid ( on our behalf by your organization ) to the City of XXXX for real property, which we do not own Property in Question : Borough : XXXX XXXX : XXXX XXXX : XXXX Entire Lot ( parking space ) Unit : XXXX Address : XXXX XXXX XXXX XXXX To Whom It May Concern, It has come to my attention that it appears that we are paying property taxes from our escrow account for a piece of property that we no longer own. ( Your company is managing our escrow account and paying these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, XXXX, in their never-ending corporate incompetence ( which I have experienced multiple times with this mortgage ) sold you a mortgage to service which no longer contains this property. We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( the one we 're now paying through your organization ). 

We applied for, and were granted, a partial release of mortgage from XXXX. We were given permission to sell the parking spot, which we did. XXXX, in a very underhanded way, wound up keeping more than half of the net proceeds from the sale. 

Please update my mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for more than a year. 

That means all the property taxes for the parking which that you paid to the City of New York on our behalf last year ( XXXX, as well as the parking spot property taxes from XXXX XXXX - XXXX XXXX ) are owed to us and should be returned to us. 



Also, DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: PA

Complaint narrative:
I took out a loan with XXXX it was a HUD loan. It cost me {$35000.00} at closing and I was told that was the cost of buying the house at {$270000.00} because it was a XXXX loan. After almost 2 years fighting with the contractors due to bad quality of work, XXXX XXXX gave the contractor an additional {$5000.00} of my money, against my approval, to sign off the any waivers to complete the work. The work was never completed and warranty issue developed bad quality of work and no one came to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account minimums were raised without my knowledge that triggered fees. The account is split between cash and investments, and the cash portion became too low and this triggered monthly fees. Because I do n't check the account often ( it is a dormant HSA ), I did not see the fees until 1.5y later. Customer service waived 3m of fees after I brought this to their attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them, and then subsequently emailed them a copy of the canceled check. On XXXX XXXX, XXXX they company assured me by email that they had removed the late fees, and had corrected my credit file. In XXXX, I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that, which they did. 
My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX, to ask then to fix the issue, and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days, however this issue has been much longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: TX

Complaint narrative:
I am a widow who co signed on my grandsons school loan I am XXXX years old have minimal funds and these people call me all day from XXXX to XXXX on my cell XXXX XXXX and home XXXX XXXX - I have no way to contact my grandson - they call me with no respect to my health and threaten and try to intimidate me - I pay on every call that rings in on my cell -please make them stop ... .I 'm on the DNC list on both my numbers ... .the name of the firm is performance recovery .. 

Thank You XXXX XXXX XXXX XXXX XXXX Tx 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 non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I am trying to stop my foreclosure date XXXX XXXX 2015 because i think because i have file a previous complain they got mad and issue me with forclosure notice. they told me today that my circumstances having being change since i have apply and that is not true i started i have rented out XXXX room which is now bringing in XXXX. XXXX extra dollar per week.please help me to stop foreclosure so i can resummit my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: ME

Complaint narrative:
My wife and I have been getting phone calls from XXXX. The caller says that they are a debt collector and want to verify that I am who they are trying to contact by giving them my SSAN. 

I did a reverse phone look-up on XXXX and the owner 's name is not available. So, I called XXXX and the answering machine claims I was call the Van Ru debt collection agency. 

Someone came on the line and wanted me to verify my name and phone number before he would tell me why I was calling. I asked if he had caller I.D . and he said yes. So, I told he knows who is calling him and I want to know why they were calling us. He said that he could not provide that information unless I gave him my social security number. 

So, I hung up and called the New Hampshire Attorney General 's Office who asked me to call the FTC at XXXX. I did and am filing a complaint. 

The New Hampshire Attorney General 's Office said that the Van Ru phone calls are a scam and that they are phishing for data. 

Here 's the kicker - I do n't owe anybody anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My mortgage is currently serviced by Fay Servicing. They have been servicing it for approximately 4 years. Without exception, I have had 4 years of chronic issues of varying degree with them that only resolve when I file a formal complaint. At present, I have the recurring escrow account issue. I do not have an escrow account with them. I 've never had an escrow account with them because I handle taxes and insurance independently. Yet they have put in place and escrow account. I have disputed this with them and have forwarded paperwork to Fay Servicing indicating that I have insurance. My insurance agent has spoken with them and has also forwarded the same paperwork to them. Yet, nothing has been corrected. They have continued to charge an escrow and have applied my P & I payments to the escrow " deficit '' and not to my mortgage. They are also charging for the " unpaid '' P & I as well as late fees. I have tried to reach multiple times and have left numerous messages, but have not received a call back. Now they tell me that the property is in pre-foreclosure because I have not made XXXX payment. 
Unfortunately, this is not the first time I 've had the same issue with this mortgage servicing company. It is an ongoing, almost on a yearly basis, event. The result is always the same - we 're working on it, etc., etc., but there is little resolution. Verifying insurance and/or property taxes, and removing an incorrect escrow assessment should be a fairly easy job, not an almost 90-day production. 
I need resolution!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My employer submitted incorrect information to HSA Bank ( a subsidiary of Webster Bank ). Money has been deducted from my paycheck every 15 days since I was hired, but HSA Bank is refusing to release my HSA funds to me even after my employer has submitted corrected information ; and I have submitted requested information verifying my identity and social security number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA

Complaint narrative:
In 1996, XXXX I was a first time home buyer and I was forced to pay PMI because I did not have enough money down. The address of my house is XXXX XXXX XXXX XXXX XXXX ca XXXX and the lender was American Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.

Complaint narrative:
Navient told me to get my form stamped. Then denied it again saying the date was wrong and the third time said was denied because my new school is not under the XXXX XXXX Program. I asked about the statement and I quote : " '' Deferment Only '' means that U.S. students may defer making payments on existing federal student loan accounts while enrolled in an eligible program at a deferment only XXXX university or college, but may not take out federal student loans for enrollment at the deferment-only XXXX university or college. '' I asked about that and they just said I must keep paying them monthly. Now my account is delinquent and I can not pay the loan and school at the same time. They have in their site a 48 month deferment period may be granted. Also I asked twice for a XXXX representative and just got a translator for a few minutes before he left and I had to keep trying to finish the conversation without help. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to local Bank of American Branch and forwarded {$500.00} XXXX Money Order for a secured credit card. 
I was approved and received my card from Bank of America. 
Within days, my first transaction was declined. I called and was told that my account was closed due to NSF check. I immediately went to the same XXXX XXXX and they forwarded me a printout showing the Money Order was issued and was never even presented for payment. 
I went to the same Bank of America and was told that there is nothing they can do because I do n't have a bank account with Bank of America. She called her credit card department and was told the same thing ( with correct money order # and routing number ). 
I received a generic letter from Bank of America - " We 've received notification from your bank that the check that you provided to secure the above referenced account has been returned due to the transaction was not authorized ''. There is NO accompanying return Money Order or any form of payment. 
I went back to XXXX and again they confirmed the same thing - money order was issued but has not been presented for payment. 
I returned to Bank of America branch to inquire WHERE IS MY {$500.00} Money Order. Once again, they told me they have nothing to do with the credit card department. 
This amounts to legal bank robbery.

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 2015-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I co-signed XXXX loans through XXXX XXXX ( now Navient ) for my son, who is still in college. All XXXX loans are in deferral I was told I needed to pay interest on XXXX loan, which I have done. Two weeks ago, after numerous calls from Navient, I was told I was four months behind in payments and that I was responsible for paying on XXXX of the loans. I have made arrangements to take care of this. When I asked about credit reporting I was told if it is a problem, to write a letter and explain that I had been told to pay on XXXX loan and they would see what they could do. I have found Navient to be an entity that gives a different answer in each conversation, not correct what they say they will the first time and harass with incessant phone calls during work hour until XXXX XXXX everyday, including Sundays.Now I am concerned about my credit score because of their inefficiency. They have also harassed my son in the same way. Please help.

Company response to consumer: Closed with explanation