vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
I paid XXXX medical bills on XXXX XXXX XXXX, for XXXX medical services at the XXXX of XXXX XXXX hospital, XXXX, with XXXX XXXX XXXX. The XXXX medical services were on XXXX/XXXX/XXXX and XXXX. The bills were for {$810.00} and {$470.00}. I paid these bills in full via a debit card transaction on XXXX/XXXX/XXXX. This was after I had a conversation with Chase Receivables who informed me that the bills were unpaid - and I promptly paid the bills. Despite this I have continued to receive REPEATED harassing calls from Chase Receivables saying I still owed the money, despite my telling them that I have paid the bills. This is both intolerable and totally unacceptable. I attach a receipt for payment from the hospital and a screen grab of my debit card transaction paying the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a car from XXXX XXXX of XXXX. When they pulled my credit report they informed me that I had an extended fraud alert on my file with NO contact information. So I called Equifax to find out if this was true so that I could continue with my purchase of a car. The representative with Equifax told me that I would have to purchase a credit report in order for them to assist me. I purchased the report for {$10.00}. To my understanding I should not have had to purchase anything to fix my contact information. I am now still waiting for them to add a verification phone number to my report. This is absurd. I should not be denied credit because of Equifax wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On the XXXX of XXXX 2015 my US BANK debit card got stolen. The XXXX thing before calling the police that I did was to call the bank to block my card. They claim a XXXX service and ironically could not block the card as there was a server maintenance and upgrade was in process ( which is ridiculous ) and the thieves took out all my savings through XXXX! Being an XXXX studies in USA, It is extremely disappointing to experience such low standard customer service. Even a XXXX like XXXX has a XXXX times more better customer service than what I experienced here! The bank wanted me to file a fraud claim with them so that they could credit the stolen amount and investigate on the case. Later if they find the fraud activity to be true the credited amount is mine and if not they would take back the money. I did all the form filling and submission and the police report submission on the third day that is XXXX of XXXX, well within the time limit. But I did not receive a single update on the proceedings. I have called them every XXXX days until today, and the only thing I get to hear is I am on hold. Today I was on hold for more than XXXX minutes and then eventually they schedule a call back for me which can take more than XXXX hours and I am supposed to just wait. They wanted me to wait till the XXXX of XXXX to call them back. So I waited patiently hoping to get the provisional credit by then. Nothing happened and not even the fraud department knows an answer as to why such a delay. I have not eaten food or paid my rent or my tuition fee in school as I am just waiting for a simple response from the bank. Even XXXX students are much more professional and responsible than the US Bank customer service. Extremely unsatisfactory performance. I feel that either they do not understand the severity of the situation or they just do not bother! I am helpless and have been through a lot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have sent XXXX disputes over the last three months with no repsonse. You say there verified under FCRA 611 15 U.S.C 1681 how are you verifying that information. By law you have to investigate every dispute you get. You have failed to do that. You need to show proof of the information in your records.

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 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
This bank is horrible..I submit my homestead information two months ago spoke to one representative that told me my payments will reduce but never did than another representative told me I had to resubmit everything..this is horrible and my payments are still the same..not pleased at all..

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 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal. 
The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges. 
The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until 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 monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
In an understanding of an " integrity and fairness to all '' are the importances of a XXXX Program. 

US Bank in Frauding and Scamming has recovered Treasury Monies in Disputes with Merchants and their Automated Deposits yielding potentially, $ XXXX {$4000.00} per Year since, XXXX. 

XXXX, 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 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
At XXXX, I discussed my overdrawn commercial act with local TD bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online TDBank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my TDBank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase has failed to pay our dispute JP Morgan Chase has failed to provide us their Dispute Policy and what are my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Residential Credit Solutions, Inc.
State: NJ

Complaint narrative:
Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My wife and I both opened a brand new BARCLAYCARD Rewards MasterCard after receiving promotion in the mail. We were both approved and took advantage of the 0 % into for the first XXXX months. We made sure the purchases were made within the XXXX days of acct. opening which we called to verify date. My wife saved her letter but I did not save mine as they were they same. Well she got her bill and they started charging her interest. They literally made her produce the paper which she did and I am attaching her. They made her mail the items in to " prove it '' no the case is getting settled and she will hopefully get all interest reimbursed and the promo for XXXX months. I just got my bill and would do the same thing however I only have the paper that she got not mine. I think they will try and weasle their way out of giving me my promo. so that is why i am filing this complaint. They are terrible in the way they bait and switch. They mentioned well you opened your account online, like something was wrong with that. I said right on the paper to do so with the personal ID code which we both did. I never ever would have opened a new credit card had it not been for this special promo.

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 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On my mortgage with US Bank Home Mortgage ( XXXX ) there is a late payment reflecting that should have never been late. This account was not late in XXXX 2015. I have confirmed with the bank and received correction letters claiming error. Please see my first claim to cfpb # XXXX for XXXX late error and this new claim is for XXXX. I have worked very hard to maintain my credit and this has damaged my credit and the ability to move ahead with refinancing. These months were never late and to have them show as such is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
My complaint is from the Very Beginning Mountain Lion was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from Mountain Lion Acquisitions. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. Mountain Lion nor cash call ever tried to work with me Mountain Lion just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of Taxes legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. Mountain Lion are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law XXXX, Mountain Lion is also in violation of the Roenthal Fair Debt Collection Practices Act California Civil Cod 1788, etseq. These kind of Company are Big Time LOAN SHARKS that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim Millions of dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & Mountain Lion work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & XXXX was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then Mountain Lion calls me & they acted the same way mean & Cantankerous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
In XXXX XXXX, someone managed to break into my credit card account and steal reward points from it. No alert was generated at point redemption and I only accidentally found that out. I tried to contact US Bank officials persuading them to built a fraud protection into points redemption procedure, but despite my 5 calls and promises that someone from the management return my call, it never happened. Card was replaced and points credited back. I also found out that my points were transferred to another US Bank credit account and no fraudulent charges were applied to the card that clearly indicated that the thief 's target was only the reward points and he acted based on internal information available to US Bank employees only. On XXXX XXXX XXXX I found that my card was compromised again and another XXXX XXXX reward points were stolen from my bank. When I called them, it turned out that US Bank was well aware of the breach but they did n't even try to call me and alert me on fraudulent activities in my account, let alone the fact that point redemption did n't generate any alerts, either, despite the fact that 6 months ago it became clear that they must improve their system and add such alert.. They said that it was someone who generated fake ID and logged into my account. They refused to accept the blame saying that that someone was in possession of all my data, like ss number, dob, etc and they could n't do anything. I pulled all credit reports for me and my wife and found that our credit status has never been compromised. Also, nobody broke into our XXXX other reward credit cards. Like in the first case, no fraudulent charges were found on the account, so target of criminal activities was again just my reward points. This makes me think that the crime was committed based on internal knowledge of someone inside US Bank, just like in the first case. Else, how can we explain their in depth knowledge of US Bank reward system and the fact that fraud was limited to only US Bank credit card and no other cards I have, and my identity was n't compromised based on credit reports? They promised to return my points in 6 weeks ; this is totally unacceptable and it ruins my vacation plans as I tried to redeem points for airline tickets on the day I discovered points theft. However, US Bank apparently tries to convince me that this is my problem. All in all, US Bank does exceptionally poor job protecting customers from fraud, their alert system is outdated, they refuse to communicate with customers and accept responsibility and conduct proper investigation. Essentially, the shift the blame to someone else leaving the customer unprotected. The manner in which they conduct the business is totally unacceptable.

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 2016-09-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.

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 2015-05-19 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: SHARP COLLECTIONS, INC
State: FL

Complaint narrative:
I was charged with a collection involving taxs for a specific county in PA for XX/XX/XXXX/XX/XX/XXXX All information presented by Sharpe collections was incorrect, false, misleading and not adequately vetted. Supporting documents proving the Tax 's where indeed paid where presented to Sharpe via mail. I have been repeatedly harassed by Sharpe for at least the last XXXX yrs. I have sent letters requesting them to stop harassing me and they continue to send out collection letters. Frankly I am writing this as a last attempt to have them stop harassing me or I will take this to an attorney. I DO NOT OWE ANY COUNTY TAXS. I like other people am sick and tired of being provoked by Sharpe collections with false and misleading information. I want them out of my LIFE ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank did not notify us that they were the new loan service for our mortgage note within the required 15 days prior to the effective date ( XXXX/XXXX/16 when payment is due ). Failure to notify us in in that time frame is non-compliance under RESPA as the following items were not disclosed to the consumer : 1. The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them. 2. A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of the loan.

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