vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had an account with US Bank. Because of the many customer service issues I had with the bank I decided to close my account. I made sure that all pending transactions were covered before closing the account and withdrew my money out of the account. My account does not even exist when I log into US Bank. A few days ago, I received a letter from XXXX XXXX XXXX, stating that they were collecting a debt on behalf of US Bank in the amount of $ XXXX.When I called US Bank 's customer service and explained the situation, the CSR informed me that there was a write off amount associated with my account but she could not see how much it was or where the charge was coming from. She referred me to their accounts recovery number. I called the number she gave me and was told that the recovery department only took payments and that she could not look into my account. She told me that I should go to the bank where I closed my account and speak with them.I went to the branch today and spoke with one of the bankers there. I explained the situation, and after much discussion, was referred to her manager. The manager explained to me that he could not help me because it had already gone to collections. He said, " It was out of his hands ''. He went on to tell me that I should, " look on the bright side. It 's only {$47.00} '' I exclaimed that I did not want to hear his excuses and he immediately walked me out the door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : US Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Case Number XXXX ( Archived ) CFPB Case Number XXXX ( Disputed herein ) Illegal US Bank Business Practices Account numbers XXXX, XXXX, XXXX, XXXX To Whom it May Concern : I am writing to dispute the US Bank ( " the Bank '' ) response letter dated XX/XX/XXXX. On XX/XX/XXXX the Bank closed my credit card accounts and illegally seized my points without justification in violation of state law. 

1. The proposed settlement of {$480.00} represents a mere 50 % of the value of the seized Flexpoints, which are worth XXXX cents per point when redeemed for travel. 

2. The Bank violated XXXX Civil Code 1747.85 by closing the referenced accounts without prior notification. While the law does provide exceptions if the " cardholder is unable or unwilling to repay obligations, '' there is no evidence to support that claim. In fact, I have supporting documents which expressly contradict this claim and demonstrate the creditworthiness of the consumer at the time of closure. XXXX Civil Code supersedes the language found in the cardholder adhesion contract. Thus, the unilateral closure of accounts and seizure of points is without justification. 

I respectfully demand the reinstatement of all credit card accounts and the associated reward points. I intend to assert my rights until all accounts are restored or a more equitable settlement is offered. 

Thank you for your continued cooperation in this matter. 


Sincerely, 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 monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Took out XXXX visa card for airline points on trips to XXXX XXXX issued by US Bank and points were from XXXX but they have since merged with XXXX XXXX .Folks I talked to with the bank never heard of XXXX XXXX I had been saving my points for the last 3 years and had accumulated over XXXX with the requirement ( from their website ) of only XXXX for XXXX ticket. I then tried to get into their website furnishing my info of passport and personal info to no avail then was given a surefire password that still did not let me into the website as usual, this is the most mismanaged company I have ever seen. We can do some of these things for you but you must pay a fee. Could never talk to anyone who could schedule my trip or get me onto the website where I could schedule it. When I asked who gave the 25 % discount given on first trip useage, no one seemed to know and it is plainly stated in the bank 's advertising. 
What I want is a plane ticket from XXXX ( round trip ) to XXXX XXXX based on the kilometers I had prior to XXXX XXXX, 2017 as I had earned it under the US Bank XXXX visa card. I will not do business with this bank again!!!!! My Bank account # is listed as XXXX XXXX XXXX and XXXX XXXX XXXX with a XXXX number 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 2015-12-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had a US Bank Credit card for years, It had a limit of XXXX and I used it for my business. I sold my business in XXXX of this year and the company paid the credit card off. I then got a bill and I assumed it was some balance that didnt get in the original payoff so I sent it to the new owner and did n't hear anything. I got a bill the next month and called US bank and found out it was a renewal fee for the year. i told them I did n't want it anymore and they wrote it off and shut the account down. I then got my quarterly update from XXXX XXXX whom I have checking my credit and found US Bank had put a derogatory comment on my credit report and my XXXX score went from XXXX down to XXXX. My XXXX went down from XXXX to XXXX. My XXXX went to XXXX from XXXX. Since I 've always had a good credit score and had never been late on any payments, I filed a complaint with US Bank. They wrote to me saying they investigated my case and decided it was reported correctly and no change would be given. This is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank Visa Cash Rewards Credit Card The above card was automatically issued to me after US Bank acquired Citizens Financial Group. I had no interest in this card in the first place and as a result NEVER used it. I opted out of paper statements, as I thought it was wasteful constantly receive monthly statements showing a {$0.00} balance. XX/XX/2016 I received a notice from US Bank that my account had a small balance and was past due. I opened a fraud investigation and the findings were clear - this was a fraudulent charge. US Bank reversed the late fees and closed the fraud claim. I was assured that the late payment would not be reported to the credit bureaus since the one and only late payment was associated with a fraudulent charge. US Bank DID report this late payment, despite what they said, and my credit score dropped from a rating of excellent to the the low side of good. The fraud department at US Bank dropped the ball and now I 'm being told that onus is on me to open disputes with the credit bureaus. I will dispute the late payment blemish on my credit report, but this is completely UNACCEPTABLE. US Bank should be held responsible for their error and they should be working to reverse this late payment ding instead of putting the burden on the consumer.

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 non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Enerson Law, LLC.
State: WI

Complaint narrative:
XXXX XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XXXX XXXX Debt collection enter Judgment/and order me to pay. XXXX XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XXXX XXXX Debt collector agency mailed me an letter demanding for full payment XXXX XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XXXX XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XXXX XXXX XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XXXX XXXX XXXX XXXX another Debt collector demanding full payment past 2 years this XXXX debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XXXX Judge close the case. Debt Collector reopen XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XXXX XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XXXX XXXX court day Attorney always order phone appearance. 
XXXX XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XXXX XXXX Debt Collector mailed court order for court day XXXX XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XXXX XXXX XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.

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
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Principal Group, LLC
State: AL

Complaint narrative:
National Principle group calls me out of the the blue and stated I had i r took out a payday loan over the internet in 2010. Asked if I had ever lived at XXXX, and was my email XXXX. They then proceeded to tell me I took out this payday loan and deposited into my XXXX XXXX bank account. I told them I never had a XXXX XXXX account. I politely asked them to send me all the paper they had for my review. I did n't no tell them I have XXXX sisters that are XXXX. ) They told me me I was just causing time and I said no. I just wanted to follow the paper trail because there is always one. XXXX at XXXX x XXXX to me to pay the {$500.00} + dollars today and take care of. I asked her to send me in the mail all of her paperwork for my review. She said I was just stalling. She stated she would send it to my email, but I have n't seen anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have attempted to reach out to OCWEN and work with them on a modification due to being unemployed for close to 7 months. The mortgage company has giving me a difficult time and the run around and has not given me an answer as of yet. I have filled out and sent in the paperwork on numerous occasions due to them indicating that they had not received the paperwork. A few months back they shared with me that I could have filled out the information via online, so I did and they still indicated that they had not received it. So, it was recently faxed to them per their request. And, they refuse to accept a payment or any form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on EQUIFAX, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. XXXX I have never had any account with XXXX. XXXX They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have a credit card with online bill pay through Fidelity. About a month ago, I set up an electronic funds transfer ( EFT ) connecting my XXXX XXXX checking account with my Fidelity account so that I would be able to take funds from XXXX XXXX to pay my Fidelity credit card bill. When I tried to pay my credit card bill balance on XX/XX/XXXX, I received an email from XXXX, the company that processes payments made through Fidelity 's online bill pay, I was told that there were insufficient funds in the XXXX XXXX account ; however, my account had nearly {$9000.00} and the bill was for {$860.00}. There have been no record that Fidelity or XXXX ever tried to withdraw any money out of my XXXX XXXX account. Meanwhile, XXXX continues to send me threatening messages that I owe them money. I spoke with representatives from Fidelity, XXXX and XXXX XXXX simultaneously on the phone and they all blamed each other. On XX/XX/XXXX, I spoke with XXXX with XXXX XXXX who said he 'd call me back in 24 hours. He did not. On XX/XX/XXXX, I spoke with XXXX, who said that a manager would call me back within XXXX hours but was unwilling to resolve my problem. Fidelity has been nothing but unprofessional and unscrupulous throughout the entirety of this transaction.

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 2015-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: High Point Asset Inc
State: TX

Complaint narrative:
Someone at this number left a few automated vm saying to call back to avoid repercussions. I called back, They told me the last XXXX of the ssn they had on file stating they are collecting for a loan - think a payday loan, however .... they can not or will not tell me who the original lender supposedly was. Said I owe {$550.00}. I can offer them a settlement. They have my cell phone # and last XXXX of my ss # and said they know I have a bank account at a credit union. I have asked them if I find that it IS a valid loan and I pay this - - how do I know they wo n't come back with another XXXX. He said he ca n't guarantee that since they do n't know the lender? How can they collect on an unspecified loan? I cleared up the few nightmare payday loans I had taken out in XXXX 
Thank youCaller is " XXXX '' @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: P.S.C., Inc
State: WA

Complaint narrative:
Puget Sound Collections keeps sending me letters in XXXX different names. When asked to verify this was my debt, they continue to just send statements of amounts owed in XXXX different names. I had XXXX for medical coverage and fear i have been a victim of identity fraud due to their breach. They show the wrong name for XX/XX/XXXX & XX/XX/XXXX showing on a statement using my married name when i was n't married until XX/XX/XXXX. They keep saying they have verified who i am but they have n't verified this is my debt and refuse to remove it from my credit report. They are harassing me and bullying me with tactics that are unfair.

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 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc.
State: MI

Complaint narrative:
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for XXXX. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID

Complaint narrative:
SEVERAL CALLS AND VOICEMAILS THREATENING ME THAT I HAVE PENDING CRIMINAL CHARGES AND WILL BE SERVED. I HAVE VOICEMAILS THAT HAVE BEEN LEFT ON SEVERAL OTHER PEOPLES VOICEMAILS WITH ALL MY PERSONAL INFORMATION THAT IS VIOLATING MY PRIVACY. I WAS ALSO NEVER READ THE MINI MIRANDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX? 
Me : Yes, I 'm sorry who is this? 
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX? 

At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique. 

Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill. 

Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill. 
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '. 
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation