vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hi, I am writing a complaint on US Bank Mortgage. I am a XXXX. I have been working with my client since last XXXX 2016 to sell her house. We have a contract. It has turn into a short sale. The bank, US Bank has been dragging there heels. Give us the run around no action of getting a answer whether not the offer has been accepted. Today, XXXX I spoke with relationship manager handling my client 's case and still no new updates whether or not the offer contract on file has been accepted. This is causing unnecessary delays. We have tried to delay the auction foreclosure process. I got a contract on this house and no response from the bank US Bank and no action. Just constant unnecssary delays. Please feel free to contact me where I can discuss further details.

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 2016-02-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am trying to make a payment to US Bank. There is no way to reach them. Online does n't work ; they no longer answer their hone at the branch. They offer no way to make payment. If I mail it, it takes up to 10 or 11 days to get there. HELP!!!

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 2015-05-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I am a USBank Depositor ( DDA ) and hold a USBank issued credit card. I was in their branch located at XXXX XXXX, XXXX XXXX, AR to make a DDA deposit when I was advised that I had been pre-approved for a balance transfer option with 12 months of 0 % interest with no fee. All they needed was my annual income. I was advised ( TWICE ) the credit inquiry was a soft pull and I assumed this to be true considering I have a USBank credit card. After spending time in their office, providing my income and employment information, the pre-approval was declined and I subsequently have a hard pull inquiry on my XXXX. The teller and/or " personal banker '' had little or no knowledge about their credit card products or how they worked. It appeared they were simply trying to get me to apply. I would not have applied unless I was truly approved. In fact, I asked about the credit limit and was advised that this could not be confirmed without a softpull! The softpull was truly a hard pull and a decline due to my credit card usage. ( I knew I had balances, assumed USBank did, too and this is exactly the reason I was interested in the balance transfer! ). USBank has caused my credit score to DECREASE due to their fraudulent sales and marketing.

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 2015-07-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US Bank changed my Business account which had no fees to a savings account XX/XX/2016. This change included the right of the bank to take out fees if the account operated with a balance of {$1000.00} or less. 
I tried to talk to their customer service person XXXX and was told the bank did n't change the account at first, but in the end of the conversation he admitted they had changed the account. 
This account is now closed as it went into an overdue amount. 
We did not give the bank the right to change the account as we only intended the account to be used by our start up business. 
Kind regards XXXX XXXX

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 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
this is relating to a compliant # XXXX XXXX XXXX XXXX 
I printed off of the records that were sent to this web site.. I had not received many of these debt collection notices and trying to go over these and figure out why I then notice many of these notices did not have my correct address.. even XX/XX/XXXX you had my current address of XXXX XXXX XXXX... but XX/XX/XXXX and XX/XX/XXXX both letters were sent to the wrong address some where in XXXX XXXX and then an address in XXXX XXXX .... so i never received these letters ... as i have stated in my last letter XX/XX/XXXX i did try my best to pay this bill at the XXXX US bank and told that the books were closed then i never heard anything else till XX/XX/XXXX. ;. without any notice XXXX were taking out of my account with no court order, notice or anyway to try and make future payments the letter about making payments for 6 months i never received that notice.. but it was at the right address i do not know why i had not received that notice.. ( was that letter really ever sent i would like to see the post mark on the envelope if you do still have it ). I am asking you to please keep the money that was owed to make up for the out standing checks. but would you please consider omitting the bank fees so I can at least have a small amt of money to pay day care your reconsideration would be very much appreciated If this matter is not resolved I am prepared to take this dispute further for the sake of my rights and for my XXXX son .... I feel like my rights have been invaded that some one can take the money from my private account that the goverment gave me to further my education and help with my expense while XXXX I dont feel this was done in a rightful or legal matter XXXX XXXX XXXX

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 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc . 

I disputed the alleged debt and demanded validation of it XXXX XXXX, 2015 and Residential Credit Solutions XXXX Inc. received it XX/XX/XXXX. I have since sent XXXX additional disputes and demands for validation in response to their communications attempting to collect a debt. 

To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claims is the original creditor made a loan to me. All of my attempts to communicate with the entity it claims is the original creditor since XX/XX/XXXX have been unsuccessful in establishing that a loan was made to me. 

Residential Credit Solutions XXXX Inc. is not a secured creditor of mine nor XXXX. Neither has the standing to seize my property, yet Residential Credit Solutions XXXX Inc. continues to threaten me with a non-judicial foreclosure. 

It continues to violate the FDCPA by continuing collection activity despite my demands for validation and its failure to provide that validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2016, a merchant processed an unauthorized charge on my US Bank personal Visa card in the amount of {$270.00}. 
I happened to be travelling abroad on business so I did not notice this charge until my return XX/XX/2016. My account has been previously paid off with no outstanding balance. 
When I called US Bank credit card customer service XX/XX/2016, I opted to pay the balance in full by phone and dispute the transaction with the merchant rather than initiating a dispute with US Bank. The representative assured me that there was no negative impact on my credit report by doing this. 
The merchant opened a case ( case # XXXX representative name XXXX ) to investigate the charge and once that was completed, XXXX XXXX refunded the amount back into my US Bank credit card. The charge as well as the refund currently appear on my credit card transaction details. 
Placing a late payment because of an unauthorized use of my card contradicts the fair reporting act and is causing me a significant financial hardship.

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 2016-09-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/2016 - centurylink account closed XX/XX/XXXX - centurylink withdrew funds via ACH without authorization Calls made to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all time they acknowledge {$81.00} refund owed because of accounting error. Promised date of funds return past multiple times. On XX/XX/XXXX representatives stated charges would be reversed on the same day as they should not have been charged. At 1 month + since that date with no refund. Multiple calls to reps whom state an additional 7-10 days to process for every call date listed above. Fraudulent ACH withdrawl claim processing through bank as XXXX refuses to refund fraudulent ACH withdrawl.

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 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We applied for a home mortgage refinancing with BoA XX/XX/XXXX. After we locked in a market rate, they continually reappraised our home. They continually rejected appraisals until they received a low appraisal and then charged us {$6300.00} of closing cost points because we had become a " high-risk '' asset mortgage. 
The appraisal they eventually accepted was XXXX - XXXX % below the other appraisals that they rejected until they received one appraisal that forced us to pay points. Since interest rates increased over loan processing time, we had to pay the {$6300.00} of points. 
BoA said they have no influence over appraisal selection due to Dodd Frank, but they kept rejecting " independent '' appraisals until they found one low enough to force us to pay points. 
I spoke to the appraisers whose appraisals were rejected and they told me the appraisals were over XXXX % higher than the one low-ball that BoA eventually accepted. From BoA here was no explanation of the rejections, only constant streams of appraisers flowing through our house until they finally found an appraisal XXXX % below market that forced us to pay points. I tried to speak with BoA management. They never called to explain the multiple rejected appraisals or the assignment of points.

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 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
US Bank has apparently implemented a type of late fee charge on mortgage payments. I just made my XXXX XXXX mortgage payment on XXXX XXXX and there was a {$5.00} fee added on that I had never seen before. I 've made mortgage payments after the XXXX before, and never made on late ( past the XXXX ) and this fee was never there. I sent them XXXX and they responded by saying that this has been in place since XXXX ( XXXX I assume ) if you pay your mortgage online after the XXXX of the month the {$5.00} fee gets added. 

This seems to me like it 's a " late fee '' being added on that was not part of the mortgage agreement I signed in XXXX.

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: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of XXXX or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: NJ

Complaint narrative:
They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. 
Elan rejected it, because it caused my credit limit to be exceeded. 
Understood. 
However .... 
After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. 
They would n't even allow me to do that! 
I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. 
BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. 
So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. 
I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. 
I ca n't even begin to describe how rude and disrespectful they were to me. 
Thanks for your attention to this matter.

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