vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Account Services, Inc.
State: GA

Complaint narrative:
I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. 
I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have had a charge account with First National since XX/XX/XXXX never missed a payment. XX/XX/XXXX i set up a payment online that was due XX/XX/XXXX at the same time i set the account up for auto pay but using a different checking account.. 
First National Credit Card sent me a text one week later stating that my account was past due the same day i called to see why the account was past due. The rep informed me mmy payment could not be processed because the bank name didnt match the acct information. I confirmed the account information thatmy payments always came from while on the phone she wwas able to process the payment. 
FNB had mix the acct information up in the process of doing do reported my acct past due when i made the payment the same day i received notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/XXXX ( following filing Chapter XXXX Bankruptcy ), I applied for a Loan Modification under the HAMP Program with my lender, U.S. Bank Home Mortgage. After several months of submitting any and all requested documentation I was denied due to 'documents not being received. ' Because U.S. Bank was virtually non-responsive, despite me reaching out to them on a regular basis, I also refiled the application with the assistance of XXXX. I subsequently filed a complaint with the WA Attorney General 's Office, who received a letter from US Bank, stating that the underwriter had been in error and they reopened my application. Today I learned that my loan modification had been denied again, this time for reasons that are again, erroneous. While I understand that, according to US Bank, there is no guarantee of loan modification, the HAMP program was designed to assist homeowners having difficulty with their mortgage payments, and prevent them from going into foreclosure. I have never been late or missed a mortgage payment. I am on XXXX, am almost XXXX years old, and believe I qualify for the HAMP loan modification program. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
A card was taken out with US Bank without my knowledge or authorization. I have contacted them on several occassions but they have yet to resolve this matter. I notified them that I am a victim of identity theft and that account is not mine.

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 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED MORTGAGE CORP
State: NY

Complaint narrative:
The United Mortgage Company contact me in XXXX 2016 and I was told by a gentleman by the name of XXXX that they can lower my mortgage payments by {$100.00} per month. At this time I owned my house for almost one year and thought I could use the extra money each month. The incentives were I would not have to pay the new mortgage for 2 months, lowered monthly payments and no closing costs except I would have to pay the loan officer, title company and other incidentals in the amount of {$2100.00}. The closing took place on XXXX XXXX and come to find out they neglected to pay my XXXX taxes for {$3800.00} which have accumulated to over {$4100.00} with late fees and finance charges. When I brought this to the attention of my loan officer XXXX XXXX XXXX he was looking into it but has n't gotten back to me even though I called everyday for a week. I believe they did the wrong thing by me and they need to pay the taxes that were due when they were my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank refuses to award the annual renewal rewards bonus tied to their XXXX XXXX credit card product even though I have paid the annual fee. The fee was paid late because unlike XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, or XXXX, they do not include the amount due or mininum payment due in the e-mailed statement. This problem happened 2 years is a row and now they are saying that because the fee was n't paid when it was due, I will not be receiving the annual rewards.

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 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have fallen behind on Chase Mortgage due to expenses incurred from Hurricane XXXX, XXXX XXXX Expenses, Unexpected Legal Bills resulting in temporary Income Reduction. I have applied several times thru Chase for Loan Modification, but keep getting rejected for different reasons. 1 Reason was that since my mortgage was 30 days behing when Hurricane XXXX hit ; I was in-eligible. I dispute this. 2nd Reason was that my income & mortgage expense did not meet guidelines. 3rd Reason was that I did not qualify for HOPE Tier XXXX since there was too much equity in home even though the Chase Real Estate estimate showed that the Home Value was lower than mortgage owed. They acknowledge Hardship, but can not offer me a modification. In addition I received a letter from Chase regarding NY State settlement that they were offering to relook at my mortgae, but they did nothing. Thru this process there have been continual error from Chase in reporting my income & mortgage expense, and on appeal they simply change the reason for denial to something else. I do not feel I have been treated consistantly or in good faith. In addition, I can pay off a max of 50 % of my late payments, but they will not accept them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had a very difficult time with US Bank. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. US Bank always seemed to lose my paper work, which I constantly had to re fax. It also took over 4 months to issue me a repayment plan, which is pure fraud. Absolute smoke and mirrors dysfunctional game of fraud. After 4 months of being in review US Bank issued me a payment of {$2000.00}. My old payment was {$790.00}, and my gross monthly income is {$3600.00} per month. After 4 months it is very clear US Bank did not do my underwriting correctly or actually read my letter of explanation pertaining to my income. Based on my income can you legally give me a payment of {$2000.00}?

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 2015-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company
State: CA

Complaint narrative:
I was looking at my credit report and noticed a collections penalty on my report. It was from Focus Receivables Management who said I owe XXXX XXXX XXXX {$700.00}. This was blatantly untrue and I 've never owed XXXX XXXX any money. In fact, I 'm currently using them with a balance of {$0.00} owed on my account. 

I called Focus Receivables to fix this problem and they said the debt was for an address that I 've never even lived in. So I explained how this could n't even be me and how it was likely a case of identity theft and they did n't believe me! I asked them, what do you need from me to prove that that 's not me and they just told me that I need to talk to XXXX XXXX. The woman I was talking to actually said that she did n't believe me and had literally never even heard of the concept of identity theft. No help whatsoever. 

I call XXXX XXXX and they say that I have to talk to Focus Receivables and there 's nothing they can do on their end since the collection was already filed. 

I know there 's a process for removing false collections due to identity theft and Focus Receivables pretended to not know and thus always have a collection out on me and hurt my credit score. They need to fix this immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX INSTRUCTED PENDRICK CAPITAL TO CLOSE ANY AND ALL DEBTS ASSOCIATED WITH MY SOCIAL SECURITY NUMBER AS THEY WERE NOT MY BILLS BUT A TYPO BY AN ADMISSIONS CLERK WHEN ADMITTING A PATIENT. MY SOCIAL AND THE PATIENT 'S ARE DIFFERENT BY ONE NUMBER. THE HOSPITAL HAS A COPY OF HER ID WITH HER SOCIAL ON FILE HOWEVER THE TYPO 'D SOCIAL ( MINE ) IS THE NUMBER ASSOCIATED WITH THE DEBT. PENDRICK CAPITAL HAS PURCHASED XXXX OF HER BILLS AND PASSED THEM ON TO OTHER COLLECTION AGENCIES. THEY ARE NOW REFUSING TO DISCUSS THE ACCOUNTS WITH ME EVEN THOUGH IT IS MY SOCIAL SECURITY NUMBER AND AFFECTING MY CREDIT. THEY HAVE BEEN INSTRUCTED TO CLOSE ALL DEBTS WITH MY SOCIAL SECURITY NUMBER. THEY HAVE ONLY CLOSED XXXX OF THE XXXX AND ARE NOW REQUIRING ME TO HAVE THE HOSPITAL CONTACT THEM AGAIN!!! THEY ALSO WILL NOT TELL ME THE NAMES OF THE AGENCIES THEY HAVE PASSED THE DEBTS ON TO SO THAT I CAN CONTACT THEM AND HAVE THE ACCOUNTS CLOSED WITH THEM SO THEY DO NOT REPORT IT TO MY CREDIT.

Company response to consumer: Closed
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received communication from a company called Asset Acceptance ( AA ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned AA inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent AA a certified letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have XXXX again sent AA another letter, this time certified return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however AA still has not validated this account, and refuses to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for the XXXX XXXX card XX/XX/2014 with a {$75.00} annual fee, offered with great benefits which included XXXX night free on reward stays which was the primary reason for signing up for this card. XX/XX/XXXX, they announced they would strip that benefit and I 'm left with an annual fee and a hard inquiry on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name. 
On XXXX XXXX XXXX XXXX, I checked out. 
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room. 
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out. 
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out. 
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.

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