vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. The bank has discriminated against me, in the handling of my account ; a XXXX veteran and minority. 
2. The bank has refused to provide account information, which they are required by law. 
3. The bank has completed illegal, unauthorized credit and/or consumer reporting investigations. 
4. The bank has refused to follow the guidelines regarding consumer card purchases and protection from unauthorized charges. 
5. The bank refuses to fulfill it 's legally required obligation of appropriately investigating and returning the funds from unauthorized card transactions. 
6. The bank has refused to provide the contact information for their legal department or compliance department for reporting account handling issues or service of legal process. 
7. The bank has taken retaliatory action against my consumer account, for accurately reporting account handling compliance complaints. 
8. The bank has refused access to my funds without explanation or reasonable notice. 
9. The bank has refused to accurately identify who is the actual banking entity ; there are seemingly three different banks, however, which bank is actually the custodian of the account is unclear. It appears as though a corporate, non-banking entity is conducting banking operations ; whether or not this subsidiary banking relationship is legally authorized is unable to be determined at this point, because the bank is refusing to provide the information necessary to actually identify the responsible banking authority. 
10. Overall, the bank has shown a pattern of unresponsiveness, lack of transparency, unethical business practices, and poor customer service ill-befitting an organization responsible for consumers ' deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: KINGS CREDIT SERVICES
State: HI

Complaint narrative:
Used XXXX Services XXXX, live XXXX. I have XXXX XXXX insurance. Used XXXX for Emergency. XXXX XXXX mailed billing information to an old address not used. I provided at time of service my current address. Collection agency said they could not collect from XXXX residence as they are not licensed XXXX. Paid the bill, and have repeatedly asked for the the entire file showing mailing dates with responses so I can recoup my {$460.00} from XXXX for the service. No Response from King Credit, XXXX. Frustrated with their lack of concern.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
I was contacted by phone by Bonded Adjustment Company of XXXX, WA regarding an emergency room bill from 2013 last summer. I had never heard of or received a bill, but I took down the account & company info, told them to talk to my insurance company, and asked them not to contact me. 

I then noticed the info on my credit report, so I sent a request for verification. Luckily I had the account # from the phone call, as that is not on my credit report, so issue 1 is failure to document account info. 

They gave me one address over the phone, had a different address on their website, & a 3rd address on my credit report. I sent a certified letter via return receipt to the online address, which was incorrect, as was the one on my credit report. 

Issue 2 ) do not list correct address Issue 3 ) did not sign return receipt They did respond to my letter within 5 days, but responded to my request to verify the debt from 2013, which they 'd already told me about over a cell phone, while I was in a public space, that they needed ME to verify MY information for the debt they wanted me to pay them and remove from my credit report. 

So a third-party company with no fixed address wants me to pay them a secret amount ( {$1100.00} for an {$840.00} bill ) to remove a negative account from my credit report. They refuse to verify that I owe this amount, despite the fact that they are more than willing to do so over the phone, unless I hand over more information to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a XXXX Bank XXXX XXXX credit card. I received a direct mail flyer over a year ago inviting me to apply for a XXXX Bank XXXX American Express credit card with a {$49.00} annual fee. In the flyer, it said that I would receive a {$49.00} " relationship bonus '' to offset the annual fee if I had any other qualifying XXXX Bank products, including another XXXX Bank credit card. So I signed up. After I was charged the annual fee XXXX, I called to inquire about the relationship bonus and was told that other XXXX Bank credit cards were not eligible for this bonus - only checking accounts and other products. In XXXX, I received the same flyer inviting me to apply for the XXXX Bank XXXX American Express card ( their system must not have excluded me ) and it clearly states that a qualifying XXXX Bank product for the {$49.00} relationship bonus may include a " XXXX Bank-issued credit card. '' I called again today and was told that the card member agreement says that other XXXX Bank credit cards are not eligible for the bonus. This is a problem - their card member agreement does not match their marketing. I would not have signed up for this card if I thought I would be charged an annual fee.

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 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. 
Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. 
My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze my account.

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 2015-09-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
US bank is reflecting on my credit report that I was 30 days late in the month of XX/XX/2015, when I actually paid off the account on XXXX/XXXX/2015 before the payment was even due. I need this account to be updated on my credit report as being never late and the 30 day late removed as it is stopping me from purchasing a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have an Equity line of credit with US Bank. The total of the loan was {$55000.00}. I unfortunately was scammed by a guy I met on XXXX. He told me his name was XXXX XXXX. He suckered me into giving him my Equity Line of credit information. He paid it off and then all of a sudden it was back up to the max. I received a letter from the bank asking me if I wanted to raise my limit and never sent the letter back. Yes it was my fault that I gave this scammer my info but I never gave the bank the authorization to raise my line of credit. I was a victim of a scam. I did n't find out about this until I got a call from someone at the bank telling me I owed over {$84000.00}. If they can call me and tell me that I owed that much then why did n't they call me to ask me if I wanted my equity line of credit raised? This is very scary for me because I can not afford to pay back {$84000.00}. I will pay the {$55000.00} because that is what my husband and I agreed to when we first took the loan out. My husband passed away on XX/XX/2008. I am living on social security and working a part time job just to make ends meet. Please if you can help me I would appreciate it so much. I have spoken to XXXX XXXX in the Fraud dept at US bank phone # XXXX and email is XXXXXXXXXXXX and he told me because I gave this scammer my info I am responsible for the total amount. I do n't feel like I should have to pay the extra money. The bank has my phone number and could have called me to see if I wanted to raise my equity line. They sure called me when the equity line got up to {$84000.00} but did not call me to verify that I wanted it to go over!!! I need help PLEASE!!

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 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
After being solicited by XXXX of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), and would call us back on Monday. They did not call back on Monday, and on Tuesday I called to get the status and asked to have our application handled by a different branch location. We are currently waiting to hear back from the district manager concerning this request. No one at the bank seems willing to help us despite being a long-time existing customer and after having been actively solicited by their banker for this product.

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 2015-07-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
My credit card statement from US Bank, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX, showed a balance due of {$770.00}. I transposed, in error, the cents and remitted {$770.00}, a difference of XXXX cents. For this slight error they billed me for {$8.00} in interest. That 's XXXX times the shortfall and it seems ludicrous to me. I called their customer service phone number as I did n't realized that I had transposed the cents and they explained the {$8.00} interest charge was a result of of XXXX cent error, and made no effort to resolve what I thought was an extraordinary interest charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
The issue I am having is not truly listed above. Today, XXXX/XXXX/2015, i received an alert from my credit monitoring service that a collection account had been added to my credit report. I immediately called the collection agency to find out what the debt was and why I never received the notice in the mail. They told me that the letter was sent to XXXX XXXX XXXX XXXX but I moved from that address and now live across the street at XXXX XXXX XXXX XXXX which was why I had not received the mail. XXXX XXXX XXXX is vacant so no one gave me that mail and I never received any forwarded mail from USPS. 
They also informed we that a wage garnishment had been sent to my previous employer which i no longer work for and I dont understand why i would not have been contacted via phone or email before involving my employer. 
I asked them if they could remove the account if I paid it over the phone and they said I could not dispute with them which I found very strange. I then asked if I could receive a letter stating that the account was paid in full but they said that I have to wait 30 days to receive this and I feel this is unfair since I never received the correspondence to begin with. i am in the process of obtaining employment and since I work in the financial industry, I can not have a new collection account listed on my credit bureau as this would prevent me from being hired. 
Given the fact that I paid the account in full ( reference number XXXX ) and the correspondence was sent to an old address i think this collection account should be immediately removed from my credit bureau report. having it on there will prevent me from finding employment in my field!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Tried to get a modificationdid not know I had to always use a housing agency to assist with paper work requested by US BankLoan Officer for US Bank called XXXX a week requesting documentation and asked me sereval times is home occupied so that US Bank could put house up for sheriff Sale. 
After contacting CFPB US Bank postponed XXXX date XX/XX/XXXX/2015rescheduled for XX/XX/XXXX2015I requested a appeal for XX/XX/XXXX complaint XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. However they had everything except the final inspection done. So I pulled my loan from them another lender looked at it and said the reason they ca n't close is the paper work us bank had set up was wrong and would not be a qualifying loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: MO

Complaint narrative:
Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I went to US Bank, XXXX Branch to cash a check that was drawn on that bank. The teller wrote my personal information on the back of the check as identification. I told her that she could not do this as the person who has the checking account will have my driver 's license number and could commit fraud with that information. I was told by the teller that this is the bank 's procedure to cash checks. I then have gone to XXXX other banks in town and they do not put personal information on the check being 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 2016-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank is reporting false information on my credit files XXXX and XXXX

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