vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Requested assistance with disputing a charge on XXXX/XXXX/2016, more than two months ago. 
Still have not received resolution or assistance.

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 2015-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had both a XXXX XXXX XXXX " Fidelity Investment Rewards '' Visa and an XXXX XXXX. When Fidelity migrated the card servicing to Elan XX/XX/2016, both cards were issued as a Visa. I called Elan to request the cards be merged so I did n't have XXXX identical cards. They assured me it 'd be no issue. Two weeks later they called and said they needed to know which account I wanted merged into which. I said I did n't care. They said it 'd be done in a couple days. 

Today I received an alert from my credit monitoring service that Elan did a hard credit inquiry on XXXX or more credit bureaus. I was absolutely shocked. Nobody even mentioned that would happen, and if they did I would have said absolutely not, do n't bother merging the accounts if that was a requirement. It 's illegal to run a hard inquiry without a customer 's consent, and that 's precisely what Elan has done. 

This letter serves as notice of dispute of the hard inquiry ( ies ). I demand that Elan contact all three credit bureaus and have the inquiry removed immediately. 

I am also sending this as a complaint to the Consumer Financial Protection Bureau because Elan 's actions violated my rights as a consumer. 

Please respond within the required 30 day timeframe confirming all credit inquiries posted without my authorization have been removed.

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 2015-05-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
USBank provided an email claiming " Earn 20 % MORE REWARD POINTS on purchases made with your XXXX REWARDS XXXX Card through XXXX XXXX! '' However, very few people will receive any extra points. Fine print states you first have to spend {$2700.00}. Then XXXX reward points are earned per dollar only on " additional net purchases ''. That 's like advertising 20 % off the last {$10.00} you spend on a {$100.00} shirt, which is really only 2 % off. Most people will use the card more thinking they will get 20 % more rewards when in reality they will get no more reward on the XXXX {$2700.00} they spend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP
State: MI

Complaint narrative:
Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
Nationwide Credit Corporation in XXXX was assigned to collect a debt from us on behalf of XXXX. We were told we had until XXXX XXXX to pay the requested amount. Nationwide Credit placed a lien on our bank account on XXXX XXXX ( 2 days before the due date ) using methods unknown/unauthorized by us to access our bank account information. We paid the requested tax amount on XXXX XXXX to Nationwide Credit, yet they still went ahead with the lien and held that same amount of money from our bank account - so we were charged XXXX. Our bank told us that Nationwide Credit needed to send a release letter to remove the lien. We requested this from Nationwide Credit multiple times on XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. Each time they promised they had sent it. Our bank did n't receive it until XXXX XXXX and that was only because additional assistance got involved from the XXXX and our banks Litigation department. Nationwide credit illegally put a hold on our bank account in advance of the due date, and then failed to release the funds in a timely or professional manner. 

In addition, if you call Nationwide Credit they will ask you to hold and then let your call drop, they will recognize your number and not answer your call, they will let your call loop through the system and then drop. They will tell you they have sent a fax, but never will, and they will not call you back if you leave a voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: RI

Complaint narrative:
I recently contacted a credit card company through my bank to apply for credit to pay for a roof that my house needs. I want to know how much credit I will be extended before accepting the card they can not answer without issuing me a card. I do n't see you why credit card companies ca n't tell the customer how much credit they will extend them before signing them onto a new card???

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 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
Lost my job in which I was able to afford to pay back my student loans and now I am currently under employed part-time. I completed a deferment application and was denied the possibility to re-pay my student loans at a later date in time. I need your help in it getting the bank to work with me until I can find a employment that will enable me to make the proper payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have asked MERCHANTS & PROFESSIONAL to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: FL

Complaint narrative:
My husband lost his job in XXXX 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell XXXX months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page XXXX of XXXX or they cant read the bottom of page XXXX. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. XXXX weeks later I called to hear them ask for more documents. its been XXXX yrs plus and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank has place a report on my name to XXXX back in 2011. Went to the bank to try to find out what was going on when they input my info. nothing came back. They suggested I apply to have it removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CT

Complaint narrative:
My loan servicer, Great Lakes Borrower Services, has engaged in practices that I believe to be deceptive, in bad faith, and of a harassing nature. I recently attempted to re-enroll in my income based payment plan. I received several notifications from Great lakes that my application was incomplete. Over the course or numerous telephone calls I rectified the " issues '' they highlighted with my application. During numerous telephone calls with Great Lakes, I was assured by their customer service staff that my application was complete and that I would not be required to provide any additional information. Shortly thereafter, I received an email from Great Lakes with my updated payment information for the upcoming year. Subsequent to receiving the updated payment information, I have received no less that XXXX emails from Great Lakes indicating that my application is not complete. Today I received a " final warning '' email. After receiving the first few warning emails, I called Great Lakes and, on a recorded line, was able to obtain verbal confirmation that my application was approved and that the emails I was receiving were sent in error. In fact, I received an inbound phone call from Great Lakes indicating the same. Never the less, I continue to receive emails from them on a weekly basis stating that my application is complete. I have given up on calling them to ask that they cease sending these emails as it takes at least XXXX minutes to get a live operator on the phone as every time I am required to re-confirm my address, contact details, etc. For less informed borrowers, these emails would create a great deal of distress and frustration. I think that Great Lakes should be warned that these practices are not consistent with their ultimate goal of servicing the loans of the XXXX of student loan borrowers across our country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
The collection agency in question is Creditors Discount and Audit. XXXX. 
in XXXX, ILThey contacted me about a medical bill from XX/XX/XXXX. The amount was {$400.00}. I told them I ha no idea what that was for because I had insurance back then and being that it was a lot of money would tell me maybe some tests were run, etc and I had no tests done. I asked them to send me something showing me what the {$400.00} was for. .On XX/XX/XXXX I spoke with a XXXX there. She said she would send me copies showing what this was for. On XXXX/XXXX/XXXX I had still not received anything si I called and spoke with a XXXX there and he faxed me what he had. What he sent me was a statement showing all of the payment that I had made over the years to this doctor. I called back on XXXX but this time I spoke with a XXXX. I explained that what they sent me does not say what I was seen for on that day. I need to see the detail not a statement. She told me that is all she had and that I should call the doctor. I called XXXX who is the doctor 's bookkeeper. I left her a message on XX/XX/XXXX that I need some detail. Never heard anything. Called again and spoke with XXXX and she could not provide any detail that I needed to call the collection agency. So the collection agency is telling me to call the doctor and the doctor is telling me to call the collection agency.I had talked toi the supervisor at the collection agency but I ca n't remember what her nae was. She basically told that that 's all they had and that it 's too bad that we do n't have any more detail but I still needed to pay the bill. I said put yourself in my shoes would you pay {$400.00} for something that first of all is incorrect and second nobody has told you what it was for. She was rude and just had a tuff luck attitude. She said she was going to report it to the credit reporting agancies and I told her that I know my rights and you can not do this. Since then it is now on my credit and they assigned to an attorney!. This is not right! How can this happen? That bill might not even be mine ... what if they billed the wrong patient? Now its ' affecting my credit and that needs to be removed. I am also disputing this with all XXXX credit agencies. Please do something. A lot of people do n't realize that they can stand up to these people and they end up paying something because they are threatened that its going to an attorney and going on their credit report. The doctors name is XXXX XXXX in XXXX il.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank allowed an identity thief to obtain a bankcard and checking account in my name 2 1/2 weeks after the bank contacted me and was aware of a fraudulent credit card application attempt. The first credit card application was apparently denied but no further attempt at stopping the application process was in effect two weeks later. The thieves were able to obtain a debit card attached to a new checking account after I specifically advised the U.S. Bank fraud alert department not to allow credit because I did not apply for credit nor did I have any intention of applying for credit. I was told by the U.S. Bank representative that the fraud alert at the credit bureaus was effective in stopping the attempt. Apparently U.S. Bank allowed the credit to go through because the thieves deposited {$1000.00} in a new checking account. The new debit card was used for purchases which triggered an automatic fraud alert telephone call to my house on XXXX XXXX, 2015 so that is how I know it was being used fraudulently. I suspect mail fraud was also involved because the address on the application was not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently wrote to US Bank regarding a reporting error on my credit card # XXXX. 
I have had this card for almost 10 years and have never, ever missed a payment. I recently applied ( and was approved ) for a XXXX card. I had not looked at my credit report for many years. They told me that in 2010 US Bank reported a late payment. I have made over 240 payments and have never, ever sent in a late payment. The sent me back a letter saying that they verified it as being correct ( see attached document ). They did not supply me with any information, any proof that it had not been paid. I was to just accept their word and that was it. 
I wrote a letter to the CEO explaining to him I was trying to refinance my home and that this one late payment ( the only blemish on my credit report for over XXXX ) asking him to look into this error. I was also verbally harassed by a supervisor at US Bank accusing me of having several late payments. He said it was recorded so their is a record of my complaint. 
This is a severely flawed system. US Bank believes ( as does XXXX XXXX which I am a client ) that they are not responsible for any errors and that I am just supposed to take what they say at face value. They could say anything and I have no recourse. 

I am asking you to conduct an investigation into this type of behavior and ask what ever banking agency monitors their system to change it so that a card holder of a credit card from them. I am also asking you to inform them to delete this 30 day late payment on my credit report. My past history demonstrates that this has never happened in ove 10 years. I was never informed that my payment was late nor was I given any notice that my check was not cashed.

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 2016-04-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
An application was submitted several months ago and denied. Recently, US Bank has called to say a loan has been approved. I waited several weeks but decided to go ahead since US Bank is a reputable bank. After having to pay several " fees '' through XXXX cards, the company still has not granted the promised loan. When I requested the fees be refunded, they said they could n't until a last fee was paid. Apparently, even though I was able to reconnect with these people, they are not going to refund the amount paid or the loan. They said d it would take 45 days for a refund and yet they took the funds immediately. I want the fees refunded immediately.

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 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am in the process of trying to purchase a house. As an individual who is XXXX, securing a mortgage is difficult. So, XXXX of my goals in this process was to secure down payment assistance through the Ohio XXXX XXXX XXXX who uses US Bank as the loan servicer. Long story short US Bank changed the eligibility criteria by raising the credit score XXXX points. So, many are no longer eligible or will have to delay becoming a homeowner. Naturally this action hurts the consumer client base that down payment assistance is suppose to help. The justification US Bank offered by the action is an increase in delinquencies on FHA loans when credit scores fall below XXXX. So the new consumer is being penalized. From my perspective the solution should be proactive not punitive. And certainly not by punishing the innocent. Raising a credit score by XXXX points can take months, even years since the reporting credit bureaus seem to have this conspiracy to raise scores painfully slow XXXX XXXX points/month ) while simultaneously allowing a score to plunge by XXXX points in one month because of XXXX single action like seeking pre-approval for a home mortgage loan. ( I believe that is known as an inquiry. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am a victim of identity theft. A bank that I had not heard of before the identity theft is US bank. I live in Georgia and I do not believe they are located in Georgia. The person trying to take my identity according to the bank opened bank accounts and credit card accounts. I denied the debt and they requested information from me which I sent to them, i.e., copy of license, proof of residence, such as mortgage payments and I even sent copies of mortgage statements dating back some years and other statements to prove my residence. I also sent the police report that I filed with hopes that these people can be caught. They wrote back and said they could not do anything unless I sent them a very clear copy of my social security card. I am concerned because when I googled the US Bank I see all the claims of fraud. If they have people in their bank committing fraud I would not want them having a clear copy of my social security card. I offered to go to my credit union or XXXX XXXX and I can take both my birth certificate and social security card and they could verify my identify but they said I would have to send them the information. I would like to know if this a normal because other companies where the fraud was committed such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, asked for a lot of information but not my social security card. Please help me with this because they are reporting the fraud persons address as my address to the credit bureau and will not release me from this obligation.

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 2015-08-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Having an issue with collection practices.

Company response to consumer: Closed with explanation