vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Credit and Collection Service, Inc.
State: VA

Complaint narrative:
This was a debt that I did not owe that was incurred by my ex-wife six years ago. Although I was not obligated to pay the debt by the terms of the separation agreement, and did not agree to incurring the services and the cost thereof as the separation agreement required me to pay for healthcare premiums and XXXX XXXX to simply absorb any copays, I paid this amount so as to facilitate my children 's well-being and conclude a divorce. I paid this {$60.00} charge in XXXX XXXX even though it is an account that belongs to XXXX XXXX and even though she sent the bills to me months after they were due -- thereby causing them to be late through her negligence. Nonetheless, I paid them, successfully contested the negative marks on my credit reports, and believe the matter concluded. I heard nothing more about it, and it did not appear on my credit report, until six years later, in late XXXX XXXX, out of the blue. It is paid and closed and was only late for 30 days because XXXX XXXX did not inform me of a co-pay that was due. I spoke to XXXX at the collection company, Capital Credit and Collection, today, and advised her of the above facts. She indicated that Capital Credit and Collection had not taken any actions that should have resulted in reporting this paid and closed account as a negative account on my XXXX credit report. XXXX at Capital Credit and Collection advised me to dispute the account to XXXX and to the CFPB and that when XXXX and the CFPB contacted Capital Credit and Collection XXXX or XXXX of her colleagues would instruct XXXX and CFPB to remove the negative account from my credit report. I hope that indeed Capital Credit and Collection does as promised and removes this negative account from my XXXX report as well as the other XXXX XXXX and XXXX reports if it shows up there. If not, I will be obligated to commence litigation against Capital Credit and Collection. In other words, Capital Credit and Collection does not want this item on my credit report and did not report it to XXXX, and yet it is on my XXXX Credit report. It needs to be removed immediately as it is interfering with my credit score and my ability to purchase a house for my family, including foster children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
In fall 2014, Caine & Weiner ( C & W ) contacted me about collecting a debt associated my previous employer. After receiving the initial communication from C & W, I sent a letter in response requesting full documentation of the debt in question, since it was unclear on what the debt was and why it was being collected. C & W responded by providing some information, but not enough to explain the debt. 

On XXXX/XXXX/14, I requested additional information and, after receiving no response for several weeks, called C & W to inquire about the status of my request. My call was returned by a C & W employee who indicated that he had no intention of providing any additional documentation, despite the obvious lack of support for the debt. Further, the employee 's tone was hostile and threatening. 

I have since been discovered that Caine & Weiner has also taken action with several credit reporting companies including XXXX, and XXXX with regards to the account. 

The fact that Caine & Weiner knowingly ignored my request for additional documentation while simultaneously reporting negative information to credit reporting companies constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
I disputed the balance on account number XXXX from your company American Honda Finance your company updated a new balance XXXX. Please provide me with a full account Ledge for how you came up with the figures you updated to my credit report.The information that you are reporting is inaccurate. I have previously requested for your company to remove the account XXXX from all collection activity include reporting inaccurate information.Please provide a full ledge of reporting that your company has reported to all XXXX Credit Bureaus. I am Requesting this information to verify that your company is providing correct information to the Credit Bureaus.I am reviewing different balances being reported under each credit Bureau. I am forced to File A Complaint with the FTC AND TX ATTORNEY GENERAL. If this matter is not resolved. Again Requesting DELETION of account XXXX from all XXXX Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I contacted US Bank for a payoff amount of my remaining lease term to try to trade the vehicle in. I was told a payoff could only be provided to a dealership. When I called with the salesman on XXXX/XXXX/16, he was quoted {$25000.00} to payoff the lease. Then the US Bank rep asked if I was leasing another vehicle through US Bank. The salesman said no, stating their dealership does n't have a financing relationship with US Bank. The rep then said he had to recalculate the price, and came back at {$31000.00}. When the salesman asked why a nearly $ XXXX increase, the rep said " loyalty has it 's benefits. '' That evening I called and was transferred to the lease maturity department. A male rep was very rude and repeated the " loyalty has it 's benefits '' mantra and told me the bank has the right to increase the contractual lease buyout if I am not going to stay with the bank for a future transaction. When I asked for a manager I was initially told that I was not entitled to speak with a manager because he/she would tell me the same thing. After protesting, I was put on hold for 10 minutes and then told the entire management team was in a meeting. I was told I could not stay on hold and that the rep " guaranteed '' I would receive a call back that evening. I have not received a call back. When I called back the next day and explained to the rep what my issue was, I was put on hold for 7 minutes and then told that " due to technical difficulties '' I could not be transferred to a manager and should call back. I believe what US Bank is doing is illegal and deceptive - and being refused the option to speak with a manager to file a complaint is unfair. I should n't be penalized for looking to a different financing source, and I should n't be treated as rudely as I was by several representatives at US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is a follow up from a complaint against US Bank from XXXX XXXX, 2016. I went in to the local office on XXXX XXXX, 2016 to close the account. I spoke with the Vice President XXXX XXXX. XXXX XXXX had no idea how to close the account and spent 90 minutes on the phone with her corporate office to try and figure it out. She stated a check would be cut to me that day and mailed. Today is XXXX XXXX, 2016 and I have not received a check. She has not responded to an email on XXXX XXXX, 2016 or a phone call today.

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 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I found myself in need of having to modify my loan. I have had the worst experience with US Bank and especially with XXXX XXXX my so-called relationship manager. Not only does she not know how to speak to a customer but her lack of knowledge was reprehensible. I tried multiple times to speak to her supervisor but with no success. I also attempted to change relationship managers and that was also not done. When we finally decided to accept the modification, we sent in the payment as well as an escrow amount that was owed only to have the escrow amount misapplied. After multiple calls it has not yet been corrected. XXXX department tells me XXXX thing and the other tells me something different. At the end of the day, it has been over 20 days that my payment was misapplied and has not been corrected. My payment is XXXX it should be and have been told I need to wait over 2 months for the error to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a Credit card with U.S. Bank and was approved for {$1000.00}. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representative told me the card was the wrong credit card for me. Yhey are using my good credit to hold me as hostage to this credit card knowing it will hurt my credit report. So now I 'm XXXX if I do and XXXX if I do n't. If I keep the card it will hurt my credit report and if I tell them to close an account I did n't open it will hurt my credit report. Is n't that what the " Consumer Financial Protection Bureau. I have a XXXX credit score and now it will be damaged by U.S.Bank because they are greedy and do n't do the right thing for consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
i am filing a complaint against u s bank home mortgage.took XXXX and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from XXXX to XXXX as a result of this. and yet they now as of we finalized it all in XXXX of this yr and they marked that payment late on my credit. when XXXX payment was XXXX XXXX and are now say my escrow is XXXX dollars behind and i have a letter that states we owe XXXX thought this was clean slate fresh. nothing to pay in the rears cuz we have a mortgage over XXXX hire then we started. they get angray when we call hem out on it and they say my house ins is behind when it came out of my bank auto pay till they took it over. etc. i need help trying to figure out how they can duble charge me higher mortgage and behind escrow there wrong and we cant afford all this the house it not worth what there hitting us with ..

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 2017-01-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I called my credit card company to add my husband on my XXXX as an authorized user and not a co-owner. The credit card company refused because I would not give them his social security number. I offered any other find of proof and they still refused. I informed them that under The Fair Credit Reporting Act it was unlawful to deny my request. Their supervisor, XXXX XXXX XXXX # XXXX still refused. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in XXXX XXXX it is saying a pre-foreclosures I can not get a XXXX approval that is what she is saying XXXX I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NY

Complaint narrative:
i do believe i applied for a loan but i have no bank account nor did i receive any money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which XXXX have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
XXXX representatives from focus financial called me several times, very rude and threatened to take legal action if I do n't pay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Around XXXX XXXX, 2016, I went into a XXXX dealership to purchase a vehicle. In order to purchase the vehicle, I decided to go with the dealership for my financing. The dealership ran my information through several financial institutions and they informed me that XXXX XXXX provided the best overall rate for financing. Therefore, I decided to go with XXXX XXXX for financing in order to purchase my vehicle. On XXXX XXXX, 2016, I received a letter from JPMorgan Chase Bank , N.A . indicating that my application for vehicle financing with JPMorgan Chase Bank , N.A . was not approved because they do not offer financing to examiners/auditors that may review Chase. After talking XXXX XXXX, who is an examiner at the CFPB, she informed me that I should go forward with my complaint to the agency as Chase appears to be discriminating since I currently work for the U.S. Government at the U.S Securities and Exchange Commission ( " SEC '' ). For one, the SEC does not regulate banks. Additionally, I currently have XXXX bank accounts with Chase and an outstanding credit card balance with them, which I always pay on time. Finally, Chase could be discriminating against other U.S. Government workers such as myself. Therefore, I decided to file this complaint as I am not sure if I could have received a better rate financing through Chase and based on their discriminatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a direct withdrawal set up for my credit card payments. The bank did not take out XXXX payments ( which I had accounted for ). They claim they sent me mail to let me know that I needed to renew my agreement, which XXXX employees of Chase verified were returned to them, as they have the wrong address for me ( a computer glitch that lists an apartment number incorrectly, WHICH I HAVE CALLED TO CORRECT BEFORE! ). However, when forwarded to XXXX XXXX, Supervisor of Customer Services for Credit Cards @ Chase Bank in XXXX XXXX, TX, he claimed he could see the returned mail, but he would not count it as the date of return was not logged in on the computer on his end, so the missed payments would continue to be reported. This was CLEARLY a mistake on their end, and has been verified by XXXX of their employees, including XXXX ( Emp. I.D . # XXXX ), but he simply refused to correct it on their end, and refused to allow me to speak with anyone above him who could correct it. This error on their part has caused my credit rating to drop more than XXXX points in less than a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase bank withdrew {$1800.00} on XXXX/XXXX/2016 without permission and has been giving me the run around in regards to getting it back to me. The issue stems from a cashier 's check that was drawn on my account and subsequently returned ; however, since they decided to just take the money back out, I am now stranded XXXX miles away from my home, with an overdrawn bank account and bills that need to be paid. They have no legal right to my money and they have no cause to act so slowly. It must be noted that the employees at the branch were extra helpful and went above and beyond in assisting me with this issue, but still could not get it resolved. They were told that I had to resolve the issue.

Company response to consumer: Closed with monetary relief