vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP
State: TX

Complaint narrative:
A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
First Bankcard froze my credit card without notifying me alleging late payment which included a recurring payment to XXXX XXXX that I had specifically told First Bankcard was not valid. As a consequence, my truck repair could not be paid using the First Bankcard and I am on foot in XXXX, Colorado without access to medical care. First Bankcard customer service told me I had to call XXXX to cancel my account which I had already sent a written response to XXXX at the XXXX XXXX address. My credit available showing is well over {$4000.00} but my credit card was frozen for {$45.00}, which I paid electronically today. Despite that payment, First Bankcard is unwilling to unfreeze my credit card until midnight tonight. I can not get my truck until tomorrow which puts me in hardship and I now have an XXXX in my foot which requires medical attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
IN XXXX my mortgage was 30 days in default since then to date U.S. Bank have refused to help me reinstate my loan. I have been trying everything possible without success. I have successfully completed XXXX different trial of payment and have participated in XXXX modification hearing among tons of application for a workout package, first every three months then of recent it seem like every month and all was denied even though I complied with all their requirements. They File final Judgement without bothering to let me know until the 30 days before the sheriff sale .After 90 day of being in default the mortgage insurance payed off my loan, they collected 10 times the value of my promissory note from the Federal Reserve and millions from securitization and mortgage back Securities also My mortgage was a part of the Government Bailout to the banks .In light of all of these fact XXXX is doing everything to take my house. no matter hard My husband and I tried there seem to be no way and this has caused us great economic hardship, XXXX resulting in other health problems as with extended time our loan is in default it affect our credit which cause us to lose employment opportunities and study opportunities forcing us to use up our financial reserves. They change the MAP representatives frequently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
My mortgage was recently sold and now the new mortgage company is requiring me to obtain additional homeowner insurance or they would provide it a substantial price. I have had the same insurance coverage since the day I took out me mortgage in 2007. According the my mortgage contract I had to obtain insurance that was approved by my mortgage company. I complied with that obligation. The coverage was approved by my initial mortgage company. My understanding is that if a mortgage is assumed by another company all terms and condition are to be continued with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: OH

Complaint narrative:
I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.

Company response to consumer: Closed
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I cancelled an online bill payment to XXXX XXXX online on XXXX/XXXX/16 ( just the occurrence on XXXX/XXXX/16 ; not the entire series ). This payment was still taken from my account through US Bank 's online bill pay system on XXXX/XXXX/16.

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 2016-01-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Used credit card to make purchases. Paid full amount of purchases before end of billing cycle also paid minimum monthly due in addition to paying off new purchases. They applied my minimum monthly payment to zero interest balance. Said they applied above and beyond payment of minimum amount to new purchases. Yet 2 months in a row they charged me interest on purchase 's that had been payed in full and then some. Example I made {$440.00} dollars in purchases and paid {$550.00} which included the {$55.00} minimum payment. Yet the show I have balance with interest of 17.99 % in amount of new purchases accumlated on card. They claim over and above minimum goes to pay the higher interest rate on new purchases yet instead increase the balance at 17.99 % which should be XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Have had a car loan for over XXXX years with US Bank and received a letter from CA DMV that the lien has n't been satisfied and I have an incomplete registration. Have been trying to speak with branch about get the issue corrected and ca n't get anyone to return my call. Have never been notified that there was an issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}?

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 2015-04-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX XXXX and US Bank have retracted some of the key features ( bonus night award ). of their loyalty visa signature credit card. I have paid {$75.00} to use these benefits, spent thousands of dollars on the card in the first 60 days and now they are taking away a benefit that I Just paid for. They advertised this benefit up to the last moment and without warning remove that feature ( XXXX months warning does n't count when we are talking about travel benefits ). I feel this is extreme bait and switch. 

In the marketing material and in my signup legal paper work, XXXX XXXX and US Bank describe the " Bonus Night '' benefit as " bonus award night exclusively for card members ''. Card members must pay {$75.00} for this benefit. They then must use the card to earn points to use benefit. I have signed up for the card last month and already spend thousands of dollars on the card to use this benefit, that I was promised and paid for. Now they have sent all card member notice they are removing this benefit. A benefit I paid for and have not enjoyed. They gave card members 2 months notice. Unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MI

Complaint narrative:
US Bank keeps sending letters for a lease vehicle we no longer own. It was turned into dealer one day before end of lease and have threatened to turn into a credit bureau.

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 2016-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am still experiencing issues with USBank. my home is still deteriorating since last year but the foundation has gotten worse since our last flood. I had XXXX companies pay a visit to me to replace my furnace and hot water tank, and I was denied both times due to the foundation and other issues that the flood had caused. I did contact FHA today XXXX/XXXX/2016 regarding this issue, and they recall an e-mail that I submitted to US Bank that was unanswered. I have been searching and requesting the corporate number which all departments have fail to do. so I have no choice but to file again.

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 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: TX

Complaint narrative:
National Principal Group has contacted family members more than once, although they have admitted to me on a " recorded call '' ( their words ) that they can only call a family member once. They have contacted them in order to try and get me to pay for a single loan that I supposedly took out XX/XX/XXXX from XXXX XXXX XXXX. I said that is n't possible because I have n't taken any loans XX/XX/XXXX. They said it 's likely a payday loan. I asked for them to send the verification of debt to me so I could look at it myself, and they said they only have the name of the original creditor, no other information such as loan documents to prove that I took a debt for anything. XXXX XXXX XXXX is not on my credit report as a debt that I 've ever received. Today ( XX/XX/XXXX ) I received the documents of the supposed debt that I owe, except they 've included XXXX other debts that they did not mention in the phone call on XX/XX/XXXX. Very strange. They also sent these via email and not via mail. So far I 've received no original documents explaining the loan that I took out, and the " original amount '' on the document they sent is different than what they told me over the phone. Luckily their phone calls are " recorded for quality '' as they told me. Another interesting tidbit is they claim that they can call my family members and friends as much as they want if I do n't pay the debt and my family does n't issue a cease and desist letter. This is actually a violation of the law as well, one relative has both of their voice mails from consecutive days, and again luckily National Principal Group records these calls for " quality ''. One call to a family member is all that they are allowed, and within two days they 've called the same person twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had a long-standing credit card account with Fidelity, which was converted to Elan Financial services XX/XX/2016. At this time, I did n't receive notice of the conversion and continued to have access to my Fidelity account online which reflected automatic payments were being made towards my account balance. I received a call on XX/XX/2016 from Elan stating that my account was two months past due and that I needed to make a payment, which I did to bring my account up to date. I was told that I needed to set up automatic payments at a new web address. I promptly tried to create an account on the new website, but it would n't recognize my account number. After many calls to reach the correct customer service office, I was told that my credit card number was incorrect ; that I had received a new card and would have to use that card to set up an account. I explained to them that I never received a new card, but without it I was unable to create an online account. Since then I am still unable to access my account online or set up payments because my account has been restricted. I 'm still waiting to talk to a representative because their " 24 customer service '' number is closed every time I call. Up until recently I could still access the old Fidelity account, which continued to reflect that my auto-payments were scheduled. As of now, I have no access to my prior Fidelity 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 monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX XXXX - US Bank credit card -- false advertising! I am disappointed and angry about intentionally false and misleading advertising for the US Bank XXXX XXXX credit card. I was recently approved for, and paid the annual fee for, this credit card. The major benefit they advertise is a free night when making a reward reservation for cardholders. This was the reason I chose this card instead of a competitor like a XXXX credit card. Only a week after getting the card, I find out they have cancelled the benefit. Of course they were planning this while still advertising the benefit, to falsely induce more consumers into joining the card. They should be legally required to continue offering the benefit for all current cardholders, who relied on their promised benefits in signing up for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour, I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time, the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX, I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them, US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license, utility bills, etc. ) and replied back to them with the information on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX, XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However, US BANK claims that I now owe them {$40.00} in FEES. On XXXX XXXX, XXXX I again called US Bank and their rep " XXXX '' told me that I could either pay the fees ( to make this go away ) or SIMPLY provide another notarized statement, go to my local SS office to get my replacement SS card ( which I would receive in the mail in 2-3 WEEKS ). Resubmit and hope for the best. My questions is WHY COULDN '' T US BANK just close the account XX/XX/XXXX before the fees were incurred? I ca n't help but think this is just a scam. Unfortunately, I have had my identity compromised twice before, and I have never had to deal with this situation. I simply called and closed the accounts immediately.

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 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I closed my US bank account over 5 years ago. They left it open without my knowledge and charged late fees for things I had never purchased. Now they are preventing me from getting a new account as they sent it to my credit bureaus. I have asked over ten times for verification of debt with no response

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 2015-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: MI

Complaint narrative:
I do not think I ever took a loan from these people. XXXX XXXX is apparently where i obtained the loan, though i do not recognize this, and I am being hounded by a company called National Principle Group, They say I took the loan in XXXX, they say I made payments from XXXX to XXXX of XXXX. They say I borrowed XXXX but owe XXXX. I have taken loans from Pay day people, ( I admit it sadly ) I have ALWAYS PAID them back and in fact have not used XXXX for several years now. These people are harassing me at work and on my cell. I have told them I contacted my attorney General 's office, that I will pay if, I in fact owe it, and have requested that they send me the information in writing, through the mail. They will not, usually yelling at me telling me they 'DONT HAVE TO DO THAT '' they want to send me an email, ( but the email they have for me is no longer good, I have NO, and will NOT give them my new one ) They do have at least the last XXXX digits of my SS # and my bank account, as well as my home address, and both cell and work phone numbers ( obviously ) they will not give me the information on the account they say I have, not the account number or anything. They said they would take a settlement of XXXX if I paid right away. I have not. i can block them from my cell, but i ca n't stop them from calling my work, how can i do this before i get fired!!! if i owe it, i will pay it. My question is why wo n't they send it to me in writing if it is legitimate? i have not moved, nor changed jobs since the date of the so called debt, if i did owe this money i ca n't believe that i have not received one thing in writing or before this time from 6 years ago. 

National principle group-several phone XXXX plus ext XXXX ( quality assurance, haha ) fax XXXXXXXXXXXX address is a po box XXXX XXXX XXXX # XXXX, XXXX, ny XXXX, at least this is what is on the internet as their addressSome of the above info is from their websiteAs i said, if i owe it, i 'll pay it, but i need this to stop, i ca n't have the threats of some goons banging at my door or hauling me away for XXXX!!! and i ca n't go through my work day worried about them calling everyday. BOY WHAT A MISTAKE, ONE I WILL NEVER MAKE AGAIN. 

The first person i talked to was not bad, firm, but not mean, the XXXX and XXXX ( i no longer take the calls if i can help it ) were both harassing, yelling, threatening, talking fast, never letting me say anything just yelling, " admit you owe it, admit you wont pay it, we will take further action '', when i ask for it in writing they yell they do n't have to, they will send it in an email and i can print it, but when i told the Atty Gen, they said they will send the email but it wo n't contain any information and that they HAVE to send it by mail, which a legitimate collection co would do. it 's getting meaner and more harassing with each call and i will admit to being scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX of my prepaid debit visa gift card issued by USBank that I bought @ XXXX in XXXX had fraudulent charges in them even though the card was still in the package on the date that those charges occurred. I filed paperwork according to the bank instruction and found out the hard way the wait can take up to 90 days long. The customer service at dispute department is n't helpful either since it 's extremely hard to get a hold of them.

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