vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Credit Corporation refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: Consolidated Recovery Group, LLC
State: AL

Complaint narrative:
This is a collection charge on a non existent debt. Their client, who placed the account with them, forgave the debt when their equipment was returned to them. They have refused to remove this from my credit in order to extort money from me. This is an unscrupulous company and should be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX I divorced XXXX XXXX XXXX, she went on to open credit cards and loans in her name. One of the cards that she open was with US Bank, which she charged up to the sum of at least {$15000.00}. She failed to make payments to this institution and was turned over to their collections department. Since XXXX XXXX did n't make the payments they tried to get me to. I explained to them that we were no longer married and have n't been for several, the debt is not mine. I have sent them copies of my divorce papers and they still placed it on my credit report as a debt that I owe. I find this very unfair and would like it removed from my credit report. I ca n't get US Bank to do anything about this matter. I am hoping that you will be able to resolve this matter with me. It is the only bad mark on my credit report, it is hurting my chances of refinancing my home.

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 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XXXX D Scott Carruthers called my cell phone from number XXXX twice within 1 minute, and then proceeded to call my work place twice and leave a voice message, and then called again. This constitutes gross misconduct and unprofessionlism on their part. I would like to submit a formal complaint so that maybe enough of these will shut their business down and no more people have to be abused by their annoying calls and tactics. I do not have any debts in collection, i pay my bills on time, i pay my taxes, I have a credit score of XXXX, please leave me alone and never call my business again.

Company response to consumer: Closed
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a prior complaint under Case number : XXXX. I received a written response from US Bank ( not within the timeframe ) advising that I would get a final written response summarizing the completion of my lease and any amounts owed. My lease terminated in XXXX, 2016 and I have yet to receive this promised statement. I am unsure if there was actual receipt of my returned vehicle. I am unsure if there are any outstanding charges that may impact my credit score. I am unhappy over the broken promise as well. I would not recommend auto financing with US Bank to any consumer given my experience.

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 2016-06-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a call from USBANK stating that the free Overdraft protection is not active on my account and they asked me if I want it activate, so I said yes ending the conversation with that. After, a couple of days I check my account and USBANK has made hard credit inquiry and have opened a new credit card without my permission. 
First of all they never told me that they are opening a new credit card They did not tell me, they were going to do a hard credit inquiry They did n't affirm my identity upon calling my phone number. 
I have also the recording of the conversation that I had with the USBank representative, where all I said was yes to overdraft protection.

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 2016-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is.

Company public response: Company 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: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: AZ

Complaint narrative:
Our mortgage was sold to Residential Credit Solutions XX/XX/XXXX. RCS does not accept automatic bank transfers, our bank, XXXX XXXX XXXX, must send a paper check to RCS for our mortgage if we use online billpay. The first sign of trouble came XX/XX/XXXX when we paid our mortgage XX/XX/XXXX. We paid on XX/XX/XXXX it was withdrawn from our account on XX/XX/XXXX, and not applied until XX/XX/XXXX, a total of 9 days. We were charged a late fee for this payment. I wrote RCS and the late fee was returned. Over the next few months, payment delivery times varied, but were normally between 5 and 7 days between the time I requested the payment to be made and the time the payment was applied. 
XX/XX/XXXX : payment made on XX/XX/XXXX, withdrawn on XX/XX/XXXX, processed XX/XX/XXXX. ( 8 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received and processed XX/XX/XXXX ( 5 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX Payment XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX payment XX/XX/XXXX, received XX/XX/XXXX processed XX/XX/XXXX ( 6 days ) The problem was with XX/XX/XXXX. The payment was made XX/XX/XXXX, received XX/XX/XXXX, and processed XX/XX/XXXX ( 15 days ). We were again charged a late fee, even though the money was received before the end of our grace period. We have been told they will not refund the late fee this time, even though it is obvious that the processing time was in some cases THREE TIMES as long as in previous months. 
This seems extremely suspect. The closer to the end of the grace period, the slower that RCS processes payments, but the more {$73.00} late fees they can charge for " late '' payments. In 20 years of homeownership, we have never made a late mortgage payment and yet RCS has managed to say that twice in 6 months they have n't received it in time to process before the due date. No bank XX/XX/XXXX should not be able to accept ABTs. The only way RCS will take an automatic payment is through XXXX XXXX for an additional fee. This is absurd and is outright piracy of people who have no control over who services their mortgage. These fraudulent fees are not fair to consumers when the control on processing time is completely controlled by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX, we were pre- approved by US Bank for a Motgage loan of up to XXXX, We were wanting to see if we could buy a house where I boy XXXX, after the approval we found a home for XXXX called the bank got the paperwork started and on XX/XX/XXXX, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on XX/XX/XXXX, to get insurance coverage. They emailed me XX/XX/XXXX to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday XX/XX/XXXX, I had called to get a payoff to move my business loan to another bank. On that next Monday, I received an email saying they could n't do the loan, reason debt to income ratio, I actually took all info to another bank and they had said our income to debt ratio was well within the guidelines, I actually later found out the appraisal was cancelled at XXXX XXXX on Friday XX/XX/XXXX and also had found out that US Bank owns the appraisal company there. We believe the appraisal had already been done but they worked the paper work to say it had been canceled.

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 2015-10-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with Scott Carruther 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name The Law Office of XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.

Company response to consumer: Closed
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: FIRST NATIONAL BANK OF OMAHA
State: RI

Complaint narrative:
About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased a car out of state ( XXXX ) and financed the purchase through US Bank in XX/XX/XXXX. I went to the XXXX DMV to switch from the temporary tag to my permanent tag and I could n't do it without the title. The XXXX DMV contacted US Bank to get a copy of the title, they in turn contacted XXXX to get a " paper '' title. XXXX is an electronic title state and does not issue " paper '' titles. US Bank claims that they can not ask for an electronic title and they keep asking XXXX for a " paper '' title. It has been 5 1/2 months since I purchased the car and I STILL do not have the title! I 'm on the last temporary tag, the XXXX DMV said they will not issue anymore temporary tags once this one expires in 30 days. US Bank has messed this up and their customer service department has told me a different excuse every time I call in. They requested a " paper '' title on XXXX/XXXX/XXXX and was told from XXXX they needed to request an e-title. After several contacts from both me and the XXXX DMV, US Bank asked XXXX for a " paper '' title AGAIN on XXXX/XXXX/XXXX. XXXX said this bank has messed this up in the past for other customers, and in the past the bank used a third party to get the e-title and transfer it into a " paper '' title so they could process it. They should do that in this situation too. It 's unbelievable that they are preventing me from legally driving the car I purchased because they do n't want to process an e-title. I pay my loan on time every month, they need to FIX THIS.

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: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank ignored my XXXX XXXX letter. 
I have a {$1300.00} charge off from US Bank, and they wo n't explain why. I have disputed with the Credit reporting agency 's, and it comes back as verified. I then sent US Bank a Direct Dispute request under the FCRA 623 and they completely ignored it. US Bank received my Direct Dispute letter XXXX XXXX, 2015 at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Residential Credit Solutions, Inc.
State: IN

Complaint narrative:
TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.

Company response to consumer: Closed with explanation