vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTIFY FRAUD. ACCOUNTS HAVE BEEN OPENED IN MY NAME. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I HAVE A POLICE REPORT.

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 2016-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I 'm not able to pay on my loans because I have a XXXX issues to where I can hardly work a full XXXX well job. I need help with this I would like to repay even if it 's a small amount or something out my taxes every year like XXXX % of my loan until paid off. Can someone help with this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Prior to XXXX XXXX, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on XXXX XXXX and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after XXXX XXXX US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of credit originally extended as a direct result of obtaining my credit report without my authorization or permissible purpose. 

It 's clear US Bank violates the FCRA by obtaining without permissible purpose consumer credit reports under the pretext of making a firm offer of credit yet their offer is neither firm or of value. It 's also clear that US Bank refuses to follow the FCRA in that they fail to provide written rational behind failing to consummate their offers and / or declining credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Loan Application with Lakeview Loan Servicing Facts : I was gifted funds to assist with a 20 % down payment and closing cost from my children father. We both have separate accounts at the same bank therefore the funds were simply transferred form XXXX account to another. My bank statement clearly discloses the account number where the transfer came from. A letter was provided on the bank letterhead outlining the date and amount of each transfer which reconciled with the express banker deposits that were made into my account, the letter also includes the name and telephone number of the account representative if additional verification was needed. 

A gift letter that was signed and dated by my children father was provided per their request. 

Issue 1 : Request for children birth certificate. 

Compliant : The loan officer is requesting copies of my children birth certificate and claims it is a XXXX requirement. I can see several law suits in the development if this practice continues. 

Reviewing XXXX seller 's guide I found nothing that requires that the borrower provide birth certificates or social security cards for their children. 

Issue 2 : Request for Bank Statements from an unrelated 3rd party. 

Although all financial documents currently provided clearly discloses where the gift funds were transferred from and could easily be tracked the loan officer refuse to accept the document. They are requesting the bank statement from the unrelated 3rd party that gave me the money ( my children father ). The party that provided the gift is not associated in any way with the mortgage transaction other that providing the gif. 

Requesting the bank statements of an unrelated 3rd party is excessive when several alternative documents have been provided which verifies the source of the funds and show the history of the banking activity. 

The loan officer is applying XXXX guidelines and the Patriot Act abusively. 

Either intentionally or unintentionally both XXXX and the Patriot Act guidelines are being misinterpreted and causing unnecessary stress and the possible loss of my {$40000.00} Ernest money if the loan is denied. 

I am unwilling to provide my children birth certifications to apply for a mortgage and unable to provide the bank statement of someone else bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
My wife and I just went through 7 months of application for a HAMP modification with US Bank. I am a XXXX and sometimes do n't have work in the winter months. I got behind a few months on my mortgage payments and was approved for the modification on XXXX, 2015. During this time US Bank kept sending statements for payment, assessing late fees, and making bad reports to the credit bureaus. I spoke with my representative, XXXX XXXX, about the XXXX week of XXXX to tell her I would not be able to make my XXXX payment and that the XXXX may be late. I reminded her of this when I spoke to her at the end of XXXX telling her I expected a paycheck around XXXX XXXX. I did n't get it on the XXXX and called to let her know that as soon as it arrived I was going to send in the past due amounts. I finally got the check on XXXX XXXX. I got a cashiers check for XXXX - XXXX - and XXXX and sent it. I called her the next day to let her know the check was in the mail. We signed and sent the acceptance form for the HAMP modification. About a week later, we received a letter from US Bank saying we were disqualified and not approved for the loan modification. The letter said the reason for the revocation was because the mortgage was no longer delinquent. At no time were we told that paying the past due amounts would get us eliminated from the program. I kept them well informed that I was trying to come up with the funds. Had I known, I would have kept the money and put it toward a new furnace. Ours broke last XXXX and needs to be replaced. We have been trying to keep warm this winter with only a wood stove in the basement. Sometimes it 's only XXXX degrees when we get up in the morning. We also need the roof replaced. US Bank says they will not take any responsibility for them tricking us into being disqualified. They claim the modification was figured to include the delinquency and any change to those figures nullifies the deal. I did the fiscally responsible thing by paying when I could ; I should not be punished for mistakes they made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
U S Bank upped the interest on my credit card because due to the XXXX, the company I own lost a lot of work, and I was only able to make the minimum payments for a while ... ..I was never 30 days late NEVER and always paid the minimum due ... ... today I get a letter from them that they are penalizing me even more and dropping my credit limit from XXXX to XXXX ... I have already called and cancelled the card ... ..and the card has been shredded ... ..

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 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I recently was asked by a friend who is a banker, and, had just started a new job at U.S. Bank, if I would be willing to change my business banking to her bank. So we met and I thought I had agreed to open a business checking account and credit/debit card account. Over the next six weeks, I received multiple mailings from U.S. Bank with multiple new accounts. So far, I have counted XXXX different account numbers with variable balances. For most of these, I have no monthly statements. Needless to say, I have not activated the credit cards, except for the first credit and debit cards which I had requested. I spoke at length with them yesterday but was unable the resolve the issue.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing this letter to inform you that I have lost my job on XXXX 2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' I contacted the company many times after the last communication where they promised to provide some help by modifying the terms of the card agreement on XXXX/XXXX/2015 to alleviate my hardship, but when I call they said that no notes were made in the account so no help could be provided, please see attached and below their original response. 

" Your account may be eligible for a payment relief program, which is designed to save you money and help you pay down your credit card account balance by lowering your Interest Charges and eliminating applicable Late Payment Fees. The hardship-qualification process requires that you provide additional information to determine your eligibility for assistance ; additionally, enrollment in a payment relief program would typically close your account to new transactions. If you are interested in this program, we ask that you contact our Collections Department at XXXX for further review ''

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 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Upon viewing my consumer report I noticed that their is a US Bank account that I never opened. I was recently a victim of ID Theft. I believe that this is a result of the ID Theft. I sent the following dispute to the XXXX but I received no response. I ask that this information be immediately deleted from the record they maintain under my Social Security number and provide an updated report. 



XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX To Whom It May Concern : I was recently informed of negative information reported by US BANK included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a ACCOUNT CLOSURE FOR ABUSE. 

I am unaware of ever having an account from this US BANK. 

Please validate this information with US Bank and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

For your reference, my personal information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of 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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: MS

Complaint narrative:
I can not get my XXXX from BBVA Compass Bank. I changed my address in XX/XX/XXXX and they have the correct address on file. I have been given the run around, mis information and was hung up on. XXXX different Customer Service Reps have stated the XXXX would be received within 7-10 days. I still dont't have it after a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: ALLIANCE FINANCIAL RESOURCES
State: AZ

Complaint narrative:
I was approved for an fha loan where I was putting 20 % down and paying the upfront mip out of pocket at closing. This is the way I was approved. After closing I noticed that the mip was included in my loan amount. I have evidence of this entire episode. 
I contacted my loan officer and he said not to worry that he would take care of it. This is all in an email I have kept. Numerous times I had contacted the lender for this to be resolved. It is my understanding that the approval of my loan was changed after my loan closed, I have all the information saved for your review to proved that my loan information changed after my loan closed to make it look like I did n't want to pay upfront mip out of pocket ... I called FHA and they said to get with my lender and I did. They are trying to say this is the way it was. Not so ... 
I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My second mortgage was sold to LoanCare. After a leak in my home created considerable damage, I started receiving checks from XXXX to pay repairers. Checks were sent to LoanCare to endorse. When the amount reached {$20000.00}, LoanCare put numerous obstacles in our path - a variety of paperwork from numerous people, checks that had to be returned because they were made out to the wrong person etc. The final straw was a check made out to me and XXXX subcontractor ( I had to pay XXXX different contractors ). I must now send this check back once again without confidence that I 'll ever get the money. They are obviously a shady company considering all the complaints I read on the XXXX website. Ca n't anything be done?

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 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Was not aware of debt owed opened XXXX2016 from original debtor : XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
lender is delaying the payoff to charge late fees and attorney fees ''. lender would also not take my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint.

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