vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
cant seen to get my cr rpt and score from this firm

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: NCC Business Services, Inc.
State: AR

Complaint narrative:
Dispute letter sent requested verification and validation documentation required by the fcra in the timely manner given and no correspondence and not removed. Improperly reporting to my credit report with. Not legitimately collecting in short.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Within the last year I have fell behind on my mortgage with US Bank. The reason being is because the insurance rate went up and my mortgage went up over XXXX per month. US Bank told me I could apply for a loss mitigation program which I did. All the payments were made through the trial period and once complete I was denied because they said they never received the forms. I mailed them directly from the XXXX XXXX XXXX. I am being told I owe more then they are able to calculate with late fees and delinquencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
Us Bank Home Mortgage did not pay the real estate taxes due on XXXX/XXXX/16. Today is XXXX/XXXX/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: TX

Complaint narrative:
I started receiving calls that were a recording saying they were a trace service trying to get in touch with me. They started calling my brother 's house also. I talked to a company called NPG and they said they are a collection service for my original creditor, XXXX XXXX XXXX. They told me that I received a {$500.00} payday loan back on XXXX/XXXX/12 and I have not paid. I told them that was not me and that I did not get a loan. They told me then it was someone close to me who used my information to get the loan and that it belong to me and I had to pay. I told them to send me a contract showing where I signed for the money. They sent me their paperwork on their letterhead stating I owed them {$510.00}. The letterhead states " NP Group '' but the first sentence of that " demand letter '' says a company called " XXXX XXXX '' has purchased my account and placed it with NP Group. I did n't apply for this loan, did n't get this loan and I 'm not paying for this. They said they tried to get money out of my checking account but were n't successful so they are demanding I pay over the phone. They are harassing me and my brother 's family and it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: KS

Complaint narrative:
Received a call from Np Group, stating I faulted on an online loan back in 2012. They told me my full social security number which I did not give to them and I tried to tell them I have never received an online payday loan. XXXX to a XXXX he hung up on my then spoke to a XXXX first time she hung up on me second time she said she can not give me any information by mail only online. I told her I do not due any business via online so she said she will contact cpap investors and note the account as unwilling to pay. This is a scam the number that called me was XXXX. I wish to be taken off thier list for I do not owe this debt and they threaten to contact my family members to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying XXXX of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
My credit card number was compromised and unauthorized charges appeared on my statement. I informed Elan Financial Services and a new credit card was issued. All fraudulent charges except for XXXX have been removed. I contacted Elan Financial Services several times, and customer service has not yet removed the last remaining fraudulent charge of {$140.00} made on XXXX XXXX, 2016 for " XXXX. '' I am requesting CFPB assistance as unfortunately it has been nearly one month with no removal of this unauthorized charge on my Fidelity credit card issued by Elan Financial Services.

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 2015-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. 

On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. 

I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. 
I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. Thank you.

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 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
My hole family is Fake and drug government workers my XXXX then XXXX XXXX XXXX timers a year XXXX XXXX shot Bipolar time XXXX worked XXXX Shot down WTC planes his Ex wife Husband XXXX work XXXX my Dad Installed Switches Nuclear Subs then ran XXXX foot computer screen of XXXX XXXX XXXX my XXXX XXXX Dad makes XXXX email Launch and XXXX Generator Blew up XXXX XXXX in XXXX same XXXX did XXXX XXXX XXXX XXXX, XXXX 's XXXX cleanup World Trade Center putting humane hearts in " XXXX '' XXXX Nuclear Reactors freezer Banks melt. 
I have only XXXX Cousins close XXXX my Age Berger-man, XXXX XXXX wife XXXX XXXX relative and her Mom serve my school lunches XXXX Employer build XXXX Nuclear Storage Facilities. 9 years I dated XXXX XXXX a XXXX XXXX XXXX XXXX Department worker at XXXX received XXXX XXXX XXXX handle Nuclear Weapons and XXXX ran Port Authority Building fore the XXXX XXXX after XXXX. XXXX relatives provide Missile Silo Steal Both Sides of family run XXXX XXXX XXXX. XXXX XXXX work XXXX XXXX lived across school and beat me up in Lunch room XXXX XXXX buy are Farm lots then XXXX work XXXX in XXXX many XXXX switches with XXXX Atom Building Half world wide reactors. My XXXX XXXX XXXX owned XXXX Dealer, XXXX across XXXX and XXXX XXXX his Brother Vice President Farmers Insurance across XXXX then sold Children 's Books, XXXX XXXX XXXX across Bank XXXX XXXX XXXX XXXX XXXX founded and Largest US XXXX Hanging Mom on XXXX Comity with XXXX is XXXX XXXX. My Relatives own Millions XXXX 's corn fields and Sleepy Eye Treaty Site gave Both sides of the XXXX Mississippi. XXXX XXXX XXXX of XXXX My other grandpa XXXX XXXX settle took Indians XXXX over a cooking Pot then Sold Farms during farm Crises and Worked fore XXXX founder of the XXXX XXXX and Veterans of Foreign Wars, XXXX XXXX XXXX XXXX were Social Security is now. 
I built US Bank, XXXX House elevators Restaurant tunnels XXXX kidnap people in My Brother XXXX wife XXXX work XXXX mechanical hearts XXXX XXXX XXXX Presidents Circle, In between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Software most Architects used from XXXX Avalanche Software there old building buy XXXX XXXX XXXX 's only XXXX rated XXXX hotel XXXX XXXX Main Speech XXXX XXXX ran Dissolution of XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY.

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 2015-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have been doing what I can to get my short sell finalized. US Bank are the worst. After denying a few offers this gentleman offered what the bank wanted. He waited almost 2 years for them complete the view everything was done but after patient running he withdrew his contract. I got put in this situation because they refuse to except my payments because I had a temporary job and I would need to pay back all the money to get caught up before they I can apply for loss mitigation. I feel they are no not trying to let the house be sold. I do n't understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My end of lease excess mileage cost was calculated incorrectly. The company will not fix it and has ruined my credit.

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 2015-11-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK HAS NEVER SENT ME STATEMENTS FOR AN CREDIT CARD ACCOUNT THAT I HAVE NEVER USED XXXX LIMIT THAT ONLY FEE WAS OWED WAS FOR REPLACEMENT CARD XXXX TO REPLACE THAT I NEVER RECEIVED WHEN I WAS APPROVED UPON FOR XXXX CREDIT LINE.. THEN THEY SEND ME AN BILL AFTER THE FACT I HAD PAID IT AND CHARING ME LATE FEES EVEN THOUGH PAID AND NEVER USED IT.. IN FACT I NEVER GOT ANY STATEMENTS SAID I WAS LATE WOULD CLEAR ISSUE BUT YET STILL ILLEGALLY PENALIZED ME BY LOWERING MY CREDIT LINE DOWN TO XXXX .. WAY ILLEGAL NEVER USED ACCOUNT TO WARRENT DROPPING MY CREDIT LINE..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US bank has not only breeched my security by giving someone the balance on my account and allowing them to make a small deposit to cover a check that was not suppose be cashed until I notified them on the deposit I made on the following Monday. They also allowed someone to stop payment and reverse the charges 11 days after the check cleared the bank. Now that person has the goods that I provided them through my business and the money.

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 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I contacted US Bank and told them there was an error on my XXXX credit report - US Bank showed an account ending in XXXX with a balance of {$270000.00} ; this amount shows on my total mortgage debt ; this is a past mortgage that was paid in full when I refinance my home ; they wrote back saying it was an error in reporting and that they would correct the error on my credit reports - that was 2 months ago ; - the account shows it is still open with a balance of {$270000.00} - XXXX - ending account number is XXXX - they have not removed this balance which shows I have {$270000.00} more in mortgage payments than I actually have ; they are doing this because I have my current mortgage with them and the additional amount on my credit report is making it difficult to refinance with someone else at a lower rate -they need to get this account off my credit report and show a {$0.00} balance

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
False advertising to get consumers to sign up for credit card. 
The Fidelity Visa card advertises that it gives you XXXX points for every dollar you spend and that you can claim it as gift card, statement credit, etc. However, if you want to actually use it as a statement credit, you wo n't get XXXX points for every dollar spent. I have the documentation if required.

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 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have a mortgage thru US Bank and have PMI which is supposed to automatically terminate at XXXX % which happens on XXXX XXXX, 2016. Yet they are still requiring PMI for XXXX and just sent me a letter demanding that I prove my home value has n't declined in value and I know this is n't required for automatic termination! Then I spoke to someone in PMI who said that my PMI would be terminated on XXXX XXXX but requiring that I still pay XXXX payment and then they will refund it at the end of XXXX. 

I questioned why I was being told XXXX different things first the letter demanding I prove the home value has n't declined and now that I still need to make a XXXX payment even though my PMI should be terminated XXXX XXXX. He had no real answer nor would he fix the problem. Instead he told me I had to pay PMI for XXXX XXXX and then wait for them to refund me the money! 
Please intervene to make sure my PMI is terminated as of XXXX XXXX, 2016 as I 'm at XXXX % then and have been current on my mortgage.

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