vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX and XXXX put false information on my credit report. I was XXXX when someone took a credit card out in my name. I never permitted. I told XXXX and they still made me pay it. They said they will make my credit better if I pay it and they never did

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 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. 
This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Yesterday I received XXXX calls from a debt collector XXXX XXXX XXXX XXXX XXXX stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX, XXXX and XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU XXXX MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE GINNA PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE XXXX MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes {$5.00} or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet XXXX other phone calls this morning. 

So technically there are 4 issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
US Bank has not recorded all of my payments on a credit card. 
Last month I did not receive a bill. 
I made two payments totaling {$750.00} that did not show up.

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 2017-02-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I received a credit card I never requested. Suspiciously they used an incorrect middle initial for me. It was a Fidelity Rewards Visa Signature Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
This bank refuses to change worn bills that do not qualify as XXXX currency.

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 2016-12-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have asked US Bank to immediately correct their credit reporting of Loan # XXXX and to stop sending me monthly bills and late notices. The Bank accepted a Deed-In-Lieu-of-Foreclosure which was completed on XXXX XXXX, 2015 yet they continue to send me a monthly bill for this property and continue to report an outstanding balance and late payments on my credit report IN OBVIOUS VIOLATION OF THE FAIR CREDIT REPORTING ACT. The Bank accepted the Deed-In-Lieu-of-Foreclosure and subsequently agreed to release my obligation but they continue to harass me endlessly with statements and reporting my credit incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
MY CREDIT CARD COMPANY WILL NOT GIVE ACCESS TO MY ACCOUNT. I I NEVER RECEIVE PAPER STATEMENTS TO CHECK ACTIVITY I HAVE TRIED TO REPORT {$3100.00} IN FRAUDULENT CHARGES THEY WILL NOT ACKNOWLEDGE OR RESOLVE THEY WILL NOT PROVIDE ME WITH ANY STATEMENTS THEY WILL NOT GIVE ME ACCESS TO ONLINE ACCOUNT THEY HAVE REFERENCED XXXX DIFFRERENT ACCOUNT NUMBERS WHEN SENDING EMAILS. 
I AM NOT ALLOWED ACCESS TO ANY OF MY INFORMATION. 
THEY APPROVED UNAUTHORIZED CHRGES MADE OUT OF COUNTRY WILL NOT ANSWER ANY OF MY QUESTIONS REGARDING MY ACCOUNT THEY RE-OPENED CLOSED ACCOUNT WITHOUT MY KNOWEDGE HAVE OPENED NEW ACCOUNTS WITHOUT MY APPROVAL IGNORED ATTEMPTED CHARGE DISPUTES WILL NOT PROVIDE ME A TRANSACTION HISTORY WILL NOT ASSIST WITH ACCOUNT LOGIN INFORMATION DID NOT RED FLAG SUSPICIOUS ACTIVITY

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 2015-04-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Hey there, I have XXXX Premier Rewards Visa Signature card which has {$75.00} annual fee. I am paying for the annual fee because I like XXXX of the benefits called " bonus award night '' which you pay the points of XXXX night for XXXX. However, they suddenly announces recently that that benefit will be removed soon. The agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They dont live up to their terms & conditions and annual fee should be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working XXXX jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has XXXX. I recently under went XXXX to XXXX am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request and they did say we were eligible for the loss mitigation program and after 5 months of waiting they sent us a letter denying our request as we did not qualify. This is ridiculous. All we want is to lower our mortgage payment by refinancing so we can get a lower interest rate. They refuse to help us. They basically told us we need to stop making payments to get their help. Why on earth would be ruin our credit when we have worked so hard to restore it after having to file bankruptcy back in XXXX? We can not get a loan anywhere else due to the fact our current mortgage is way over the value of the home. US Bank approved our loan back in XXXX for {$260000.00} based on a bogus appraisel done by XXXX. Our house was never worth {$260000.00} especially when we purchased it originally in XXXX for {$150000.00} ( this was a brand new construction home ). US Bank did do a drive by appraisel on XXXX/XXXX/XXXX and appraised it at {$180000.00} that is a far cry from {$260000.00}. We still owe {$230000.00} on the mortgage so we are basically SOL going anywhere else to refinance. This has been a total nightmare since we started this process back in XXXX. We are at our wits end with US Bank. What gets me is they can go and spend XXXX XXXX dollars on a new football stadium, but they refuse to help us. This is why people do crazy things that they normally would n't do. Another thing is there customer service sucks! They are absolutely no help and no one has a clue what the other one is doing or has done. I know we are not the only customers of US Bank with issues, I have read hundreds and hundreds of complaints about US Bank. Someone needs to stand up to them and hold them accountable for approving bogus loans. We are now at the point of just turning the home over to US Bank and let them deal with trying to get {$230000.00} for it. We are fed up with US Bank and their shenanigans!!

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP
State: WY

Complaint narrative:
I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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 had a business checking account at US bank. I applied for a merchant processing service through XXXX XXXX XXXX, connected to this bank account. I did not use or activate this merchant processing account. However US bank allowed them to take money from the account. At first it was {$43.00}. I then paid US Bank to block any further charges from this company. The merchant services company then came into the account under a different name and took {$490.00} which overdrew the account by $ XXXX. The bank then added fees on top of fees. The result was that the account was closed and charged off because I would not pay for this unauthorized charge. The bank should never have let such a charge go through when there was almost no balance in the 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 2016-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have a mortgage with US Bank that has insurance escrow attached. The bank erroneously estimated that insurance would be higher next year and overcharged my autopay. I spoke with the insurance company in late XXXX or early XXXX and sent to US Bank paperwork indicating what the actual rate should be. US Bank said that my payment would be adjusted for the next bill. They did not adjust it for the next bill and overcharged my account again. I am on a fixed income, and had adjusted my spending to accommodate only the lower amount they said they would charge me, which created a large financial hardship when they overcharged the account again. I was required to put my auto insurance and food for this month on a credit card which will bear interest as a result of this error which they said they had fixed, but was actually not fixed. I have also suffered from extreme stress as a result of this situation and attempting to get it to a reasonable resolution. 

I then contacted them again, and they claimed again to fix the problem and said they were sending me a check for the overage on the escrow account. My next bill reflected that they had made the appropriate changes. However, they refused to send an updated escrow analysis to me or me attorney so we could review their work and make sure the problem was handled correctly.

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 2015-05-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
At approximately XXXX on Wednesday, XXXX XXXX, I received a phone call from US Bank. I do not remember the representative 's name. I was however, only verified with the last XXXX digits of my social security number and nothing else. He proceeded to tell me that he was calling because he was showing that my car payment was past due, and that the payment was due on the XXXX of XXXX. I was NEVER read a mini-miranda statement before this conversation happened. I let this representative know that the reasoning behind this payment not being made on the XXXX is because I called US bank on XXXX/XXXX/2015 at approximately XXXX, and spoke with a representative whose name was XXXX, and she changed my due date to the XXXX. That I was told that it would take approximately XXXX days for this payment date to process within their system. I asked XXXX is I would receive a new statement, and was told that I could just mark the XXXX off of my current statement and write in the XXXX. He stated that their system does show that my due date is the XXXX but for the next billing cycle, and if I do n't pay my payment by the XXXX that I would receive a late payment charge on my account. I told him that I was told to pay on the XXXX of XXXX, so I do n't want to make a payment today, because I was told that the due date is the XXXX. He then proceeded to tell me that I should definelty dispute this, meaning that I should call them back to dispute this. I told him that he called me, that I wanted to speak with his manager in regards to disputing this information. The representative came back on the phone and stated that I would need to speak with the customer service manager in regards to this dispute because his manager would not be able to help me. I was then transfered to XXXX. XXXX told me the same thing that the previous representative told me. I let him know that I would be contacting the CFPB in regards to this, because this is a UDAAP issue. I will not be making my payment to US Bank until the XXXX because that was the date that their repesentative stated that my payment was due.

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