vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Att : XXXX XXXX am not sure if the CFPA is the agency that I should be writing to but here is my story. 
I live in a XXXX bedroom in XXXX California with a normal mortgage, back in XXXXthere area where my home was located flooded. We had about XXXX inches of waterin XXXX rooms. 
The city of XXXX elected to designate this portion of the city as a flood zone. 
This in turn required me to take out flood insurance at about {$1000.00} a year since 1982. 
I have been paying this over the last XXXX years or {$33000.00}. 
Needless to say we have never had another flood. 
I have tried relentlessly to find out how I could get out of this insurance to no avail as thecity has stated that this is a flood zone and the mortgage company has required that I have flood insurance. 
I have tried to contact the XXXX XXXX XXXX XXXX over the years and all of my letters have just fallen on deaf ears. 
I saw an article in XXXX XXXX regarding CFPA and thought I would write to you to see if there is anything you can do to recover any monies that I had paid to the XXXX. 
I am XXXX and on a fixed income. 
Thank you in advance and and if there is any thing you can do, it will be greately appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hylan Asset Management, LLC
State: DC

Complaint narrative:
Thank you for taking the time to investigate this case. I seek your assistance in stopping the illegal practice of " phantom '' payday loan collections by XXXX XXXX and Hylan Asset Management. In regards to my case, I have secured a release from Hylan Asset Management and do not require individual assistance. However, I strongly encourage a full investigation of these companies due to their violations of the Federal Trade Commission Act, wire and mail fraud statutes, and the Fair Debt Collections Practices Act. 

I am certain that XXXX and Hylan are knowingly running a " phantom '' payday loan scam by attempting to collect payday loans that did not originate and are not valid. I am certain that I am a victim of this scam. If you desire, I can provide a full financial disclosure demonstrating beyond a preponderance of the evidence that I did not received these funds, nor solicit such loan. Throughout this ordeal Hylan and XXXX have been unable to provide any proof of a promissory note, loan origination, or collection attempts. Further, according to XXXX the original creditor was " XXXX XXXX. XXXX '', however written communication also shows a disputed payday loan from " XXXX XXXX, XXXX '' or " XXXX ''. XXXX and Hylan have been unable to accurately describe the disputed debt in their communication. This is further evidence of a " phantom '' payday loan scam. 

Enclosed is all written communication between the parties. Research indicates that XXXX and Hylan have a very high percentage of clients claiming that these loans are " phantom ''. As both of these companies are within your jurisdiction, I can not emphasize enough the importance of stopping this unfair, deceptive, and abusive conduct. Their conduct is illegal and prays on vulnerable populations. 

Thank you for your assistance with this important matter.

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 non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased an item ( Steampod hair straightener ) XXXX that missing the tank, comb and main problem is the power in XXXX is XXXX volts but in XXXX is XXXX volt, so I contact the merchant XXXX to return it, after asking to get shipping quote XXXX FOR {$210.00}. 
I called USbank card services XXXX. XXXX, his telling me if purchasing item from XXXX with Visa card I am responsible for shipping, XXXX and US bank disclosed the information and should not ship the defective unit with disclosure so is US bank responsibility to pay or ask merchant to correct the problems or take it back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I contacted US Bank for a $ XXXX investment property loan with a down payment of 25 % and more was available if needed. I originally spoke with, XXXX XXXX ( Originator ) and once XXXX received taxed returns and a credit, he spoke with his supervisor and ran it through their system and approved the loan. The whole time he did not disclose the terms of the loan ( interest rate, apr, general basics of the loan ) I had to extract this information out of him piece by piece, but only after he said that he would provide this information once he received a purchase agreement, and when he did give information I had to make sure to follow up with additional questions, as he was not forthcoming and transparent with the information that was eventually extracted. When the information was finally given, the credit report was pulled, tax returns were submitted and the loan was ran through the system and approved by the system as well as the supervisor. The week ended with him saying on a Friday that he was going to get started on the closing paperwork since the system approved it. The loan was then sent over to XXXX XXXX ( Loan Processor ) she proceeded to tell me the following week that the loan was not approved. I asked " why ''. She stated the income was not there, which being self employed and the deductions that were taken was said by XXXX that they were able to calculate some of that income back in, hence the approval by the supervisor and system at 25 % down. I asked by who and she stated " us ''. I asked her " who is us, was it the underwriter? ". She replied " no, me ''. I proceeded to tell her that something did not seem right, that she is acting as the underwriter without the underwriter ever seeing it. In addition, the loan was already ran through the system and approved, both manually by a supervisor and the system itself, this should be sent to the underwriter. Meanwhile, all this has taken three weeks just to get to this point, I submitted everything to them immediately, it has been three weeks of waiting on them, not getting any/or clear answers on anything including basic disclosures.

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 2016-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
Account was closed without notice and for no reason. I have not used the card for about 2 months and they suddenly just closed all my XXXX credit cards and the points associated with it. I have over XXXX XXXX points on my account. They can not advertise their rewards program and simply close your account once you 've accumulated a decent amount of points. Total bait and switch.Contacted XXXX and refuse to disclose any reason as to why.

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 2016-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
We have a home equity line of credit with US Bank and have just refinanced our home mortgage. In order for us to keep that home equity line of credit, we paid a fee of {$250.00} so we did n't have to close it for the new mortgage and then reopen another line of credit again. The mortgage lenders with whom we financed, are selling our loan and needed to get a copy of the home equity line of credit agreement. It has taken them over XXXX XXXX XXXX XXXX weeks to finally get someone to help us. When my husband called, no one knew what to do or what area to possibly contact. Our mortgage lenders have been now trying for over XXXX XXXX XXXX XXXX weeks -- totally unacceptable. There was some missing information that was required on the form however, no one would communicate that. As far as I am concerned, this is unacceptable customer service given that we have paid {$250.00} to keep the line of credit open. I am requesting a refund of {$250.00} that we paid to keep the line open as we received no customer service and over XXXX weeks of calling everyday and headaches. This is no way to treat customers that have been with the bank for over XXXX years. Frankly, it should not happen to anyone. I am strongly considering dropping US Bank and going to another financial institution that focuses on customer service and does n't have the " we are a big bank attitude and are untouchable. '' I received a call from the XXXX yesterday to comment on US Bank and refused to give them feedback because it was my husband that had gone into the bank XXXX, arlier this week to make a deposit, not me. The caller was insistent that I give feedback to US Bank on my experience and I had to finally hang up on him stating, I did not receive any service so you expect or demand that I give feedback? That would not be a valid source of survey information as well as fraudulent information. If US Bank wants feedback, then they need to receive it in an honest and forthright manner and not " grease the skids so to speak. '' Big banks do n't mean good service. I really wonder what their customer service goals are and their commitment to customer service and the quality of customer service being offered.

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 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
We have repeatedly requested a reinstatement quote and have attempted to contact our point of contact. Often times, we are unable to reach anyone. When we do, we are told to expect to hear back from them but do not receive any requested information. During the loan modification application process we repeatedly had to submit information and never received a response regarding a trial or loan modification plan.

Company response to consumer: Closed
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had a checking account with US Bank and I think they have stolen/lost {$6000.00}. I moved to New York and they did n't have any branches there. I needed to pay rent on an apartment and I could n't do a bank transfer because of cash withdrawal limits, so my plan was to order checks, write one out to myself, cash it at a local bank nearby, and get a certified check to pay rent. I asked the representative if they could waive the check fee, and they said they could n't, but a supervisor would help. The supervisor promised to waive the fee. When I called back about if the checks were mailed, they said they were n't, and that waiving the check fee was impossible. When I told them another supervisor had promised to waive the fee, they did n't believe me. I asked them to mail the checks again, this time with the check fee, and they said they would, but never did. In frustration I asked them to close my account and mail me the balance, which was about {$6000.00}. They said it would take 3-5 business days to process, and another few days to reach me. I made the request on XXXX XXXX, 2016. I waited 3-5 days later. On XXXX XXXX I asked about where my check was. They said it was " mailed '' but had no record of when it was mailed or if it was mailed. I waited again until XXXX XXXX, 2016 -- which would have given the postal service 4 days to send it -- but no check arrived. I called, and they said sorry, that it was mailed, but provided no proof it was ever mailed. They even started to question which money I was talking about. I went online to pull my checking account statements, but because the account was closed, they pulled all my statements offline and I have no records online of my checking account even existing. This is starting to border on theft, and I 'm frankly frightened they 've lost {$6000.00}. They said they would look into it further, but this is n't good enough. I 've waited over 14 days for this money, and I have rent and bills to pay. The fact that all my records are gone online without warning that they were taking it off the internet, the fact that they have no records of ever mailing the check, the fact that I have yet to receive the check, is very very troubling and bad customer service. By the way, there was no miscommunication about my address. At a minimum, when they 're mailing a certified check of that amount of money, they should have a tracking number in place so that these issues do n't happen. Given the XXXX XXXX fraud, I would like the CFPB to investigate this issue further. I 've been on the phone with them at least 10 times in the past week, and I 'm exhausted.

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 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. BANCORP
State: IL

Complaint narrative:
A XXXX XXXX XXXX of US Bank XXXX XXXX XXXX on XXXX/XXXX/15 manually adjusted a check deposit out of a checking account weeks after it had cleared the maker 's bank. At no time have I been issued any notice or option to dispute. They have refused to comply with Cease and Desist so that I can pursue dispute. They have refused to cooperate with external mediation so that the dispute can be resolved. They have refused to issue any form of document regarding how much they claim they are owed on an account that had overdraft protection on a linked credit card account that I was able to pay and close. They blocked deposits or other payments to the account at issue at the same time as the manual deposit. They have only vaguely stated they want cash only delivered in person only to only XXXX XXXX XXXX Branch Manager of US Bank XXXX XXXX XXXX who as in this is not likely to credit the account at a national bank that has no possible options to do so. I do n't live in or bank with that branch at the time or since as one whose ATM never worked either. They retaliate for seeking external mediation. And have completely blocked even paying while continuing to escalate extrernal credit reporting damage and stalking me personally harassing me up to 3x a day with the block of payment, refusing to do other than issue another completely different false claim, taunt, harass while I am at work taunting about falsifying the entire thing, etc. 

They have in the XXXX and XXXX suburban areas of US Bank as well as MN Fraud Division for all of XXXX, refused to comply with Cease and Desist so that I could pursue dispute and resolution of this false claim. 

They continue to and take all these actions with fraudulently created debt which is against the law directed at anybody or any type of entity. 

I am being harassed so continually and methodically, including the XXXX XXXX and other taunting up to 3x a day, that US Bank has become violently dangerous to my personal safety. They are disrupting and forcing cancellations of necessary health care XXXX, etc. 

The time and money they are gouging about this dispute are also in XXXX dollars by now and irreparable damage has been done over this nearly 2 month time frame of illegal collections, illegal credit reporting, and illegal personal stalking to the point of a computer cartoon entertainment on the part of US Bank employee who continues to orchestrate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I made my mortgage payment and got a confirmation number. Later, RCS informed by letter that I was late. When I called the company, they found that a number was missing. After talking to several people, I was informed there will be a XXXX dollar late fee, plus XXXX dollar to pay by phone. I do not believe I should have received a late charge since the company could see that a number was missing, I had payed on time and never was late. I received a confirmation number. I feel cheated, and helpless because there is no effective remedy to complain about this horrible mortgage company that is allowed to continue its abusive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap 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 2015-12-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am unfortunately, a customer of US Bank and I hold Mortgage, Credit Card, Checkings/Savings, Home Equity Line of Credit accounts with them. US Bank Flex Perks travel rewards account # XXXX charged me an annual membership fee in XXXX 2015 for {$49.00} and I never knew about it as no note was sent to me, which is very unusual and objectionable. After which, they just kept going by adding interest and late fees till XXXX XXXX 2015, when I logged in to my account and checked the transactions, it was already past 60 days late. They never bothered to send me a note in any form that they charged me a fee and that it was late by 60 days plus. They were very prompt in reporting the same to the credit bureaus and sabotaged my excellent credit score of XXXX by XXXX points and I am not sure what else would be coming my way. I dispute any reporting of the delinquencies on my account and hold US Bank totally responsible for the damage caused and any future damage. It has been proved yet another time that these Big Monster Mega Banks do n't care an iota about their loyal customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason.

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