vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
My wife and I hold several different credit cards issued by U.S. Bank in partnership with XXXX XXXX hotel chain. We have paid the annual fees because we were promised perks on the contractual agreement. One such perk was receiving the last night free when booking XXXX or more stays at XXXX XXXX hotels. We recently received a piece of mail with sneaky writing indicating they had removed this feature on a whim, after I paid the annual fee for this feature. Ridiculous and unprofessional conduct. I expect that our annual fees will be refunded since there is no longer a reason to continue paying them and the shift in perks was misleading or deceitful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
We applied with our lender for a loan modification before and after our Chapter XXXX bankruptcy. I had been out of work for two years and my wife had XXXX. We are on our feet again and want to keep the home and pay the mortgage, The lender, US Bank seems to be purposefully doing our loan modification application slowly while at the same time there is a trustee sale scheduled for XXXX/XXXX/2015. We have a account contact person but they are not helping in any way and never return our calls or emails. The trustee attorney for them is no help either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: U.S. BANCORP
State: WA

Complaint narrative:
My private loan through US bank was forgiven last year. I just received a letter from them saying I was in default and that if I paid a lower amount now they would n't send me to collections. When I called them, they immediately told me it was a mistake and to disregard it. The lady I was talking to would not give me her name. I also asked for them to send me a letter showing it was a mistake which they will not send me. My concern is that they are doing this to others who will just pay the lower amount without realizing it is false.

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 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem.

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 2015-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: U.S. BANCORP
State: LA

Complaint narrative:
Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was approached by us bank about a student loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Lendmark Financial Services
State: AL

Complaint narrative:
I took out a loan with this company and it has been a nightmare. My payments were due on the same time each month. If it was one day late they would call several times a day very rude and threatening. They even went as so far as to call one of my relatives. In XXXX I went in to make a payment which was about a week late ( they had called everyday and several times ). The branch manager XXXX refused payment if I did not make payment for the following month which was not even due and even going to the extent of showing me a list of people which included myself as too the reason she had to work on Saturday because of us.Upon calling corporate which still resulted in rudeness and being told that they it is up to the manager if they want to accept payment or not. So I contacted a debt collection attorney whom sent them notice that they were the Guardian of the case. I have constantly received calls from them ( unknown numbers and different numbers ) even though they know I am working with an attorney. I received a subpoena that they were seeing me that came to me instead of my attorney and they have called and left messages almost daily even after filing suite . Their collection practices are horrendous. After being harassed by them, I saw some very negative reviews and it turns out I am not the only one that has been subjected to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
In XXXX I was trying to get a loan mod from US Bank. I submitted all the required paper work.They told me they never received the document package. I re-submitted via fax and certified letter. They told me that they would respond within 21 days. 14 days later, they foreclosed. I filed a bankruptcy. For nearly 4 years they maintained that they could not locate me original loan documents. When they finally did, the bankruptcy was resolved. US Bank attorneys agreed to, and signed off on the plan. Our case was closed on XXXX/XXXX/XXXX. 

Since that time, I have been contacting US Bank asking for a full accounting of my payments and a monthly statement. They refuse to provide a monthly statement stating " my loan is in a open active bankruptcy '' and they can not provide a statement. I have had my attorney fax them the complete information, the discharge order and the order closing the case ... and they just maintain that they have not received any information. I have fax transmittal records proving that they, did in fact, receive the information. 
I do qualify for HARP re-financing of my original ARM loan, but again, they refuse to talk with me because " ..my loan is in a open active bankruptcy ''. 
I want to get these issues resolved, and all of my efforts have been rejected by US Bank.

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 2016-09-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$43.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We have our Mortgage with US Bank we received an offer for a home equity loan for a fixed rate. Our rate now is 5 %. They offered XXXX for XXXX years saving us about XXXX a month. We only wanted to borrow what the payoff was on our mortgage. We gave them all the documents they asked for. We each have a XXXX credit score. This process was taking so long I called every week also have emails. Come to find out that our loan has been put in the inactive file because of the time frame. I only found this out after my XXXX or so call during this XXXX month period. I was told they need paystubs for my husband because the could not read the first set even though I took originals and the branch scanned them. If this was a problem why did the wait XXXX months to tell us. Now the offer is no longer available. I believe this happen because there was nothing for US bank to gain in fact they would be losing money. Our house appraised XXXX times higher then the amount we wanted to borrow. Also we have our mortgage with them currently and in the XXXX yrs we have had it not one time has it been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received XXXX ( XXXX ) USBank Cash+ Bonus Rewards Cards in the mail some time ago, each valued at {$25.00}, for a total of {$75.00}. They were Visa cards. The first one has a " Valid Thru '' date of XX/XX/XXXX, the second XX/XX/XXXX, and the third XX/XX/XXXX. 

Apparently, though, these " Valid Thru '' dates are not the actual expiration dates on the card. Instead, USBank helped themselves to {$2.00} per month after 12 months had passed on each card. Even though the " Valid Thru '' dates on the fronts of the cards said XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in actuality, all three cards have been completely drained by USBank. 

This seems to me to be a deceptive business practice. A reasonable person would expect the " Valid Thru '' date on the front of the card to be the date the card expires. The cards themselves appear as a standard Visa credit or debit card, with the card number, the customer 's name, and the " Valid Thru '' date embossed and in silver on the front. 

I can give the XXXX credit card numbers ( and attendant CVVs ) on request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
False statements submitted in a response letter from US BANK NA I did n't vacate my home the XXXX XXXX county sheriff 's deputies executed an illegal homeowner eviction of XXXX 2013, I, myself the original homeowner, relative room renter and a host of neighbors are KEY WITNESSES because of lack of action by the District Attorney 's office on my pending legal complaint pending before the District Attorney 's office. FOR PERSONAL SAFETY REASONS I POSTPONED TO TAKE BACK UP RESIDENCE IN MY HOME. There is no FHA LOAN ESCROW CLOSE recorded on my real estate property with the XXXX XXXX county recorder office, as part of the OCC FEDERAL CASES investigation into us bank na mortgage loan account number XXXX, it was discovered via identity theft linked with loan fraud qualifications in my name the former senior partners and title holders of my real estate property working with U.S.BANK NA fraudulent activity defrauded the DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT of approximately {$130.00}, XXXX this is to include an alleged down payment governmental grant of {$5000.00} the FHA LOAN FUNDS WAS NEVER RECOVERED thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Principal Group, LLC
State: CA

Complaint narrative:
I keep getting harassing calls at work, at home, at my parents home, friends and other relatives from National Principle Group about a debt that was discharged in Bankruptcy in 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
My mortgage company ( US Bank Home Mortgage ) is telling me that I still have 38 years left in my mortgage that was signed back in 2003. I dispute that and I am absolutely sure that I did not and would never sign a mortgage for more than a 30 year term. 
I have contacted them multiple times - phone call, email, and registered mail for any mortgage statements they have with my signature agreeing to such a loan. They have failed to respond. Meanwhile they are about to foreclose on my house.

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 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: AR

Complaint narrative:
My husband and I both lost our jobs in 2008. We immediately called our mortgage company - XXXX XXXX XXXX. We were told that we would not be eligible for any assistance with the issue until we were 90 days delinquent on our mortgage. We used all of our savings to keep the payments current as long as we could. Once we became 90 days delinquent we called them again to seek assistance. We were then told that we DID'NT MAKE ENOUGH money to for a mortgage help. After missing a few more payments - we XXXX found new jobs! So with our first pay checks we sent in a full payment- It was accepted. At that same time we asked XXXX for some kind of help or modification to help us get caught up. We were then told that we made TOO MUCH money to receive any mortgage assistance. In desperate effort to get caught up we sent in a second full payment 2 weeks later ( we decided to not buy food or other essentials to scrape it together XXXX. The actual check was returned to us uncashed stapled top a letter saying that we were too far behind now and were in foreclosure. After many months and with the help of XXXX XXXX and XXXX XXXX XXXX - on the day before or home was to be auctioned we received a mortgage modification packet fro XXXX. Desperate to keep our home - we signed it. Basically, all it did was tack the back payments and fees onto our loan. So we began making payments. We lost our jobs for the second time a few months later. With no more savings from our first job loss I assumed our home was surely lost. We are still here but after many, many submissions of requests for mortgage modifications - we are now in foreclosure again. I do n't why it has taken so long. Also, during the past few years I looked into a short sale and learned that due to the previous mortgage modification and decline in home values the appraised value of our home is about {$80000.00} under what we owe on our mortgage. So, I have also requested a mortgage modification that includes principal reduction to no avail. My goal is to get a mortgage modification that includes principal reduction to a fair market value on my home. WE are now able to make payments and would like some help with the matter. I would alos like an investigation into my many attempts at requesting mortgage assistance because I suspect that at some point in all of this we must have been eligible for assistance but our paper work was either purged or not even actually considered. If this is true then we would not be in this situation in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My bank convinced me to apply for a credit card to protect against over draft fees, since i was asking them to waive XXXX ( the only XXXX I had ever had ). This was XXXX ... By XXXX the interest was out of control and I could only make the minimum pmt. My girlfriend paid the bills and the last time she tried to make a pmt they would not let her because her name was not on the account. I hardly charged anything to my credit card- the balance was interest and late payment fees, so I stopped making payments.. I could n't get ahead. This was around XXXX and I was pretty sure it went to collections that same year. I would have thought it would have fallen off my credit report and it has n't. Its frustrating because all of this happened before they changed the laws- So for a {$300.00} credit care I owe {$610.00} - All of the balance is late fee and interest. Can it be taken off my credit report? 

Thank you 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 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Corporation of America
State: FL

Complaint narrative:
I have an agreement with XXXX XXXX XXXX to make monthly payments, for which I am up to date. I am receiving letters from Financial Corporation of America stating they are debt collectors, that my bill is not paid despite previous requests and that my balance is seriously overdue. The amount quoted is not the amount outstanding on the payment plan. The hospital confirmed that my payment plan is up to date and not in arrears. Despite phone calls explaining that I am making payments I am still receiving these harassing letters which are causing me a lot of stress.

Company response to consumer: Closed