vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was informed by letter by XXXX VISA that the company would be switching to mastercard. This switch would take place beginning in XXXX and the old VISA cards would remain active for 30 days after receiving the new mastercards or until XXXX 2015. However the company canceled my Visa card before the new mastercard arrived. This caused my automatic payments to be declined causing me additional fees. This also occurred while I was in a different city, effectively stranding me without my only credit card. I contacted the customer help number on the card and was informed that after an account has been canceled there was nothing that they could do. The representative did offer me {$50.00} for my inconvenience and offer to rush ship the card, but that did not help that my auto payments have been declined and I had the card canceled while I was in a different city.

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: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CO

Complaint narrative:
USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Overview : I have been dealing with debt due to a disagreement between XXXX financial institutions over a credit card balance transfer where neither financial institution is taking responsibility for the amount of the transfer. As such, I am accruing interest from both institutions ' accounts for several months because I 'm unsure which account will be able to reimburse me in the end. 

-- - Details : After I signed up for a credit card through Associated Bank ( AB ), as part of an associated promotion, I opted to have a balance transfer from my Associated Bank Visa credit card account to another financial institution, XXXX, to reduce the balance on my XXXX XXXX XXXX credit card account. 

A balance transfer check for {$6500.00} was sent from AB to XXXX on XX/XX/2016. A week later I noticed the balance was added to my AB account, but it was not removed from my XXXX account. I corresponded with both institutions : XXXX recommends I ask AB for proof about the transfer and fax the proof to them. AB reports that their records that the check was cashed on XX/XX/2016, and they send me a photocopy of the check. I faxed the check to XXXX, and they write back deny having cashed it and claims it was canceled. Speaking with both customer service teams thereafter has led nowhere, where each institution simply recommends I need to speak with the other to seek resolution.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Applied for a credit card to use while traveling. I was notified that i was approved, but did not receive card in the mail. I called usbank to get a replacement card, and i finally received it 33 days later via XXXX. This was 2 days prior to travel when i received my XXXX card, and somehow I was supposed to be clairvoyant enough to call usbank and inform them that my wife would be travelling with the new card. Since, I lacked this ability my wife was unable to use her card for half of her trip. She could n't buy cgas or food when returning from California and called me in a panic. I called usbank and spent several hours on the phone trying to convince them that my wife was travelling and making legitimate purchases as an authorized user. Nevertheless, the computer was convinced that she was a crook and there was nothing any human being could do to override the computer. The only option they gave us was to call every time we wanted to make a purchase which we said was unacceptable. No other options were given even after escalation. Because this was the only card she took on her trip, my wife was reduced to begging family members for money to make it back home. As cardmembers, we expect to have XXXX access to our available credit. Somewhere the system at usbank is broken, and the customer should not have to suffer with unacceptable options as a result.

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 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: U.S. BANCORP
State: LA

Complaint narrative:
We have a lawsuit pending with US Bank. We get calls from some business who claims to be US Bank. I looked up the telephone number and it seems to be a debt collector or telemarketer. ( XXXX ) We gave them the lawyer 's information and read them the lawsuit along with saying the FDCP says that the must deal with him. They claim that the law does n't apply to them! If US Bank hired them to harass us have they not violated the court order or the collector breaking the law? I also received a letter, on US Bank stationary demanding that we need t pay them from the collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have been a XXXX XXXX prepaid card customer since XX/XX/2015. The card was issued by XXXX, XXXX and serviced by XXXX XXXX, XXXX, XXXX. 
On XXXX XXXX 2015, I called customer service to request to close my XXXX XXXX prepaid card and get a refund for my balance. I spoke to XXXX in the risk management department, he asked me to send the following documents via email to XXXXXXXXXXXX : photo of front and back of my XXXX prepaid card ; photo of my Driver 's license ; photo of my social security card ; photo of a recent utility bill showing my name and address ; photo of me holding my driver 's license ( similar to a mug shot ). 

I complied his request and send the documents via email. On XXXX XXXX, XXXX called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last XXXX XXXX packs I used to add funds to my account. I could not provide these documents because I threw them away after using the XXXX packs. XXXX said he could not issue me the refund without the documents. 

Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check. 'They already have enough information to verify my identity. It is a violation of the term to request so much more documentation just to process my refund. And quite frankly, it 's ridiculous that I have to send in a 'selfie ' with my driver 's license in my hand. 

Please help me get my refund! Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP

Complaint narrative:
I have been banking with US Bank since I XXXX from US Military in XXXX. I live overseas and informed them of this when I opened the Account there they said there was no problem with this. on XXXX XXXX XXXX I received a letter from them saying they were closing my account in 10 days from the date of XXXX XXXX XXXX this gave me 3 days to find a new bank and get my direct deposit tranfered almost impossible due to me living over seas no reason of why was given. I contacted them the person I talked to said there was nothing listed for my account to be closed. I have repeatedly requested information on why my account is being closed. I have never bounced a check or had overdrafts on my account. they will not give me an explanation on why except keep saying I live overseas. Since I opened the account with them knowing I was going to be living overseas I asked them for a copy of there policy stating that I can not live over seas and bank with them. they have not provided this policy to me as of this time. I am wondering if this is Legal for them to close my account on this sole reason and why they wo n't give me time to find a new bank and get everything transferred before they close 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 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I wanted to stop XXXX ( XXXX ) automatic monthly withdrawals from my checking account and was told by the person at the bank it would cost me {$35.00} each to do this ( {$70.00} ). I told her this was a rip-off. It took her less than XXXX minute to enter the information into the computer to stop these monthly withdrawals.

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: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently filed a complaint about US Bank. They held the second mortgage to a home i owned, and I tried and tried to get them to modify my loan, but they never even said yes or no at the time. I ended up losing that home. 
US Bank sent me something in the mail. They sent me a copy of a note I signed, stating and agreeing that I wold NOT take the XXXX dollars I could have got from their line of credit. They call this their " loan modification ''. 
WHAT A JOKE! ... ... .... I have been a realtor for over 20 years, i know a little more than the average person. 
- In reponce, I called US bank up last Friday, XX/XX/XXXX. I had to talk to XXXX people in XXXX different departments, i kept getting tossed from one rep to another rep.. etc. 
Finally, one rep said.. " oh. im reading here that we kept asking you and asking you for documents, and we never got them ''. so your loan modification was denied ''. 
NOW I remember what happened. i was completely eligible for a loan mod. the investor was XXXX! i had a TRUE hardship ... I became XXXX to work! ... .. I emailed US bank most every day, the rep was okay. 
but- now they say I did not get a loan mod was because they didnt get the paperwork? - I faxed them ALL paperwork. Then they said they didnt get the fax and faxes. I had to XXXX with proof of service directly to their physical office.. I still have this paperwork, and proof that I XXXX it to them. 
i really miss my house. If they had only done a loan mod, like most banks were doing, maybe I could still be happy there. I am a XXXX year old woman.. i was planning to retire there. US BANK was unethical and illegally denied me a loan modification.

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 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sent a written request to experian Experian responded stating- we will not reinvestigate the items you requested

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 2016-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. 

When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
I am in the process of refinancing and the Mortgage Company will not release the payoff info to the Title Company. The Title Company has been requesting the info since XXXX. They followed up once and then reached out to me for assistance. This is the second problem I have had with this company, ref complaint # XXXX. I have missed XXXX deadlines to conform with a court order due to errors and delays on the mortgage company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Upon checking my credit report, I discovered that there was a {$450.00} charge from Kings Credit Service ( California ) pertaining to a medical bill that was from XXXX of 2011. This was the first time that I had ever received knowledge of the bill, and was confused about it because I was on XXXX in XX/XX/2011 '. I called the Agency ( KCS ), the woman that helped me said that back in XXXX of 2011 there were several failed attempts to contact me. She explained that all bills sent to my address were being returned and all calls made to the residence went unanswered. I asked for a verification of the address due to a confusion of why the bills would have been returned. She admitted that originally they had the wrong address, and that upon finally getting the right address, the bills were still being returned. I asked the woman how long it had been until they had the right address, she would not answer. She continued to tell me that at the number that I called her on was the same number that they attempted to reach me on, I believe she said three times, and that I must not have an answering system. I assured her that there has always been an answering system on our telephone, and that it does not ring so many times as to assume that there was not XXXX. She said that she did n't know, just that I signed an agreement that I would pay regardless of whether there were problems with insurance or not. She then asked if I could pay some of the balance, seemingly disregarding everything that I had told her. I told her that I would not make a payment at all, as I felt that it is not my fault that they failed to contact me when I was more than available. Given that I had medical insurance at the time, I would have gladly taken care of any bills that I knew were outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Loancare VA XXXX XXXX was serving my mortgage and o/a XXXX XXXX XXXX they sent me a letter stating my loan was being sold to XXXX. I paid my XXXX XXXX Mortgage payment {$2600.00} on XXXX XXXX XXXX. On XXXX XXXX I turned my autodraft off as well. On XXXX XXXX XXXX Loancare withdrew another XXXX XXXX payment of {$2600.00} from my checking account. My main issue is this second XXXX XXXX payment is not reflected in any Loancare statement or loan balance. Ihave logged in everyday to my account and there is no update. I have no written record except the autodraft showing it was taken from my checking account. I sent emails XXXX and XXXX XXXX and received " canned '' responses. I also called on XXXX XXXX and spoke with Loancare employee # XXXX. She stated that while she would forward complaint to her management there was basically nothing she could do. In her words Loancare is done serving my account. At the least Loancare should send me an email stating what they did with the second XXXX XXXX payment. I prefer a refund or at the least who in XXXX wherever that is has my {$2600.00}. To date I have no more info than it was being sold to XXXX. Loancare customer service is extremely poor, with little regard for any customer follow-up. I advise consumers to avoid this company, make sure to notify your loan officers, real estate agents, etc to seek out more reputable firms with better customer service and ratings

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 2016-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vengroff Williams, Inc
State: FL

Complaint narrative:
I recently applied for a mortgage and found out that this haed inquiry is on XXXX report as of XXXX/XXXX/XXXX. I contacted bot XXXX and the agency and neither are willing to help. they pass the ball to each other so no one is responsible. on XX/XX/XXXX I faxed a request to have removed and my report was updated that the inquiry will be removed XXXX/XXXX/XXXX. This FRESH report from XXXX/XXXX/XXXX shows its still on there but set to come off 8 days prior? I need removed Immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief