vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regarding claim # XXXX card was stolen, theft was reported in 48 hours, bank security measures failed to stop thieves from draining account or block card. Bank has received a signed affidavit I did not authorize the charges. Bank has received a police report. Despite clear law these are not legally required they were provided when requested and bank is using every measure possible to avoid obligations under federal law. If bank is behaving this way, they are doing the same thing to thousands of people and simply retaining the funds and assuming people do n't know the law or will simply grow tired of trying and give up. The bank is not the police. The bank is not allowed by law to police themselves and decide unilaterally whether a theft occurred or not. Instead of blaming customers, bank should augment its internal security measures on debit cards. I work hard for my money and I 'm not going to allow the bank to play games and waste my time when the law is clear. Bank has been reported to the XXXX and the OCC of the US Department of the Treasury. Also the continued responses on here that fail to answer why according to law the bank is retaining the funds are creating a pattern of evidence of clear illegal behavior. If institution can not employ adequate security measures on these cards, it 's their failing, not the customer 's.

Company response to consumer: Closed
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened checking and money market accounts at BBVA Compass bank with online access in XX/XX/XXXX. I logged on to the accounts for several months ; however, in XX/XX/XXXX BBVA 's web page asked that I agree to a XXXX page " Electronic Communications Agreement '' and a XXXX page PDF, dated XX/XX/XXXX, " Agreement and Disclosure Statement for Online Banking '' to be allowed to access my accounts on line. The XXXX paragraph stated, " YOUR ATTENTION IS DRAWN TO THE ARBITRATION AND WAIVER OF JURY TRIAL PROVISIONS IN SECTION 8.F. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL. " My complaint is that requiring consumers to agree to a complex statement which applies to both commercial and consumer accounts is an unreasonable and inappropriate business practice. I am not an attorney and the extent that banking is controlled and hassome public value, how can I judge whether a relationship governed by 103 pages of bank legalese relative to the complex process of accessing, protecting and moving funds, is fair to me as well as to BBVA. 
I have told BBVA 's local branch employees of my objections. I am managing my accounts directly with the local branch, and I have fair online banking agreements with credit unions, and XXXX XXXX ; yet to whatever extent CFPB can prod BBVA and the banking industry to be more open and fair will be a service to everyone. Thanks CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southern Management Systems Inc.
State: NY

Complaint narrative:
I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
A person of different name used checks of a stolen routing number and account number. ( check from XXXX used routing number and account number from Prosperity Bank ) to withdraw {$1500.00} from Prosperity Bank customer without his knowledge. Prosperity Bank will not reimburse account for stolen money withdrawn from his account. This is a commercial account and is not reconciled each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
Several letters have been sent asking them to bear my signature and all me letters and gone un answered. They have failed to comply with the FCRA and not provided any documentation. This information needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We refinanced our house with another bank. US Bank has refused to return our escrow unless we pay them {$15.00} to cancel a check they say was mailed out to us a post office box we have not used in about 9 months. I have repeatedly called and even spoke with a supervisor who agreed we should not have to pay the {$15.00} because she verified I called prior to the issue of our escrow and verified the check would be mailed out to our home address. As of yet we have not received our money.

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 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
Had a bathtub flood at home. Insurance paid out XXXX but held by RCS until they could approve/prove work done. THEIR CONTRACTED INSPECTORS HAVE NEVER CALLED TO SET UP CHECK OF WORK! ca n't continue/finish work until they do without losing my insurance payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I WAS GIVING A VISA DEBIT CARD WITH XXXX $ THE CARD DID NOT WORK I CALLED CUSTOMER SERVICE SHE Said TO READ THE XXXX DIGITS IN THE FRONT I TOLD HER THAT IM MISSING XXXX NUMBERS THEN SHE ASKED FOR THE NUMBER ON THE BACK GAVE IT TO HER SHE SAID YOU HAVE XXXX $ GO AHEAD AND USE IT THE CARD STILL DID NOT WORK I CALLED BACK THEY TOLD ME TO FAX A COPY OF THE FRONT AND BACK OF THE CARD I DID ONLY FOR THEM TO CALL ME AND TELL ME THE CARD HAS BEEN USED ALREADY NO EXPLANATION NOTHING

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 2016-08-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank decided to significantly change the benefits of their XXXX XXXX card while I was out of the country. At the same time my annual fee was due and autopayed. I called in and was told by a customer service representative that because of the benefits change I could cancel my card and get a refund for the annual fee that was paid. I waited a few months but I never received a refund. I then called back and spoke to them again and they said they would look into it, but they denied my request. 

I was also told by the customer service representative that they would be eliminating the anniversary bonus of XXXX bonus points as well. It turns out that was a lie and they were not eliminating the anniversary bonus, so I did n't even get the bonus points for paying the fee because I was lied to.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I took a cash advance on my credit card on XXXX/XXXX/16. I made a payment on XXXX/XXXX/16 to cover the minimum payment plus the cash advance amount and a little extra to cover the interest. My credit card company applied the full payment to the purchases balance at the lower interest rate. I called them on XXXX/XXXX/16 and the person said that since the cash advance was n't " billed '' yet on a statement, that they did not have to apply the payment to the higher interest rate. My " cut off '' date is around the XXXX of the month. I asked what I needed to do to get that fixed and I was told he could n't do anything for me.

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 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NH

Complaint narrative:
4 yrs ago I got divorced and my former wife left our condo and all contents to me, according to the decree. After contacting my mortgage company about not being able to pay my mortgage on time, they worked with me and allowed me to do a loan modification, which essentially cut my payment in half. To this day my former wife is on the mortgage. The lender, US Bank, never alerted me of a form with which to remove my former wife, known as an assumption. During the process I informed US Bank of my situation repeatedly but for some reason they did n't lead me down the road of the assumption paperwork. Now here I am 3.5 yrs later and they want me to submit financial documents as if I am applying for a loan for the first time, which of course is what I did 4 yrs ago. At that time my financials were the only ones submitted. I have been paying off the mortgage on my own, of course. I strongly believe that this all should have been taken care of 3.5 yrs ago. I believe that they are going to try and charge me 1 % of my principal balance ... .Can you help me to understand this issue because it sure seems like US Bank is in the wrong here? All I am trying to do is have my former wife taken off the mortgage ... ..

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 2016-09-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: MD

Complaint narrative:
Residential Credit Solutions continues to wreck my credit and has re-aged the debt on my previous XXXX/XXXX home loan. Unfortunately, I was a victim of XXXX scams and lost my house because of it. The Date of Last Payment on the mortgage listed by RCS is purposely incorrect. Despite numerous attempts to correct the record with RCS directly, and through the Credit Reporting Agencies, RCS continues to verify the debt and has re-aged this debt, even after the original creditor removed it, so that it remains on my credit report. The XXXX XXXX XXXX debt which RCS ' entry is based upon was itself deleted from my credit report. You can clearly see based upon the XXXX entry that the Date of Last Payment was XXXX XXXX, and that my Date of First Delinquency was XXXX XXXX, according to XXXX XXXX XXXX 's own credit reporting. For this reason, the XXXX entry was required by law to be deleted from my report. RCS continues to purposely and falsely report the XXXX as XXXX, in an effort to re-age and continue to collect on this debt. Their behavior amounts to a rank violation of provisions of both the FCRA and FCDPA. I suspect there are thousands out there like me, who continue to suffer economic damage from this company 's unscrupulous practices. I have provided a copy of my dispute letter to RCS dated XXXX XXXX, XXXX, a copy of the deletion of the original XXXX entry on my consumer credit report showing the actual DOLA, and my most recent CRA dispute showing that RCS continues to verify this debt, in violation of the law.

Company response to consumer: Closed
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
The Law Office of XXXX contacted my work after I specifically asked to not be contacted at office. They also continually contact my personal phone many times in one day. Often back to back calls.

Company response to consumer: Closed
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2017 the US Bank branch manager, XXXX XXXX, refused me service. Although she claimed it was for not presenting valid identification, in reality it was because of my general appearance which she automatically interpreted as " homeless '' XXXX street clothes and a book bag. Evidently, " her '' bank automatically refuses services to anyone who appears or fits the description as " homeless ''. XXXX did n't know and did n't care that I 'm a XXXX who works to pay her own bills for her own apartment. She probably does not care that I will neither recommend nor refer any of my friends to the bank. XXXX has no place casting judgment onto anyone because she 's a XXXX XXXX in the banking industry who catches enough grief from everyone with whom she encounters.

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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
U.S. Bank, NA offers a product called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The most valuable benefit of the card is the " Bonus Award Night. '' The Bonus Award Night is a free night on multi-night award stays. When I applied for the card, the marketing materials stated that the benefit is conferred upon the cardholder in exchange for the {$75.00} annual fee. I paid the annual fee on XXXX XXXX, 2015. On my very next statement, I was informed that the Bonus Award Night is no longer a benefit. I think that it is dishonest to cancel the most valuable benefit directly after accepting payment for the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
We ask for a modification starting XXXX XXXX, due to our loan payment going from XXXX to XXXX. We had did a modification XXXX we were suppose to have a fix rate. We was upside down in our loan XXXX and the value at the time was XXXX. We started the process of a loan modification. Due to XXXX she had gotten worse and I was XXXX. I do the communication with RCS. I was recovering it delayed the process until XXXX XXXX. RCS and I communicate back and forward about the loan modification. My point of contact person XXXX XXXX assured me that there was nothing to worry about do n't send in any payments because they was processing the loan modification. I have a letter documenting the whole process. I will upload. I received a letter from there attorney office stating they was foreclosing on our home. The sale date is XXXX/XXXX/XXXX Thank You, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my consumer file # XXXX as of XXXX XXXX, XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Thursday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. She also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I demand that this public record Wage Earner Plan/Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax so-called " verification '' on XXXX XXXX, XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE IN PLACE DATED XXXX/XXXX/XXXX. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Wage Earner Plan # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record : Wage Earner Plan/Bankruptcy # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX XXXX agents assured me that Equifax 's XXXX XXXX, XXXX " reported date '' and " verification date '' DID NOT come from Lexis Nexis because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
_______________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WY

Complaint narrative:
My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I used to have Fidelity amex card since XX/XX/XXXX which was switched to a Visa card in XX/XX/XXXX. I used to get a confirmation number when I paid my bill online prior to the switch. Now I am not provided with a confirmation number and the bank says that 's the way it is. This is only online payment that does not provide a confirmation number

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 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: URS Holding, LLC
State: WA

Complaint narrative:
I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.

Company response to consumer: Closed with explanation