vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Principal Group, LLC
State: CA

Complaint narrative:
XXXX XXXX of Lakefront Processing Solutions called and left a voicemail on my phone saying there 's a claim against me and referenced claim number XXXX. She called from XXXX ( a spoofed fake phone number ). She wants to verify my address to present me with my formal claim at my residence and place of employment. She goes on to say at this point I have an opportunity to call the firm handling this claim to discuss the matter at XXXX. She then ended the call saying I was officially notified. I do have this message saved on my voicemail so I do have proof of this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
As stated in the US Bank credit card terms and conditions a XXXX night award stay results in the XXXX night free. This is a benefit of the credit card and is available for those who pay the {$75.00} annual fee. I have been notified that this card benefit is going away in XXXX 2015. I have paid my annual renewal of {$75.00} and feel I am entitled to this stated benefit for the duration of the paid period. 

XXXX XXXX Visa XXXX XXXX XXXX Card Terms and Conditions : Complete terms and conditions are described in the Club XXXX Visa Cardmember Agreement and the Card Benefi t Program rules ( described inthe Benefi ts Guide ), which are provided to new cardmembers and are subject to change from time to time. 
XXXX Earning Points : For each dollar ( {$1.00} USD ) of eligible Net Purchases ( purchases minus credits and returns ), XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points at any XXXX hotel. For each dollar ( {$1.00} USD ) of eligible Net Purchases, XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points everywhere else Visa is accepted. 
XXXX Bonus Award Night : When you redeem Points for Award Nights of XXXX or more consecutive nights at the same XXXX XXXX hotel property, you will receive the last of the Award Nights of thatstay free without deduction of any Points from your XXXX XXXX account ( " Bonus Award Night '' ). Your Account must be open and in good standing. Your account must be open at time of redemptionto qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). 
XXXX Renewal Bonus : Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you willreceive a Renewal Bonus of XXXX Points. Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your XXXX XXXX account. 
XXXX XXXX reserves the right to add, modify or change the Terms of this Offer without notice. 
Please refer to your XXXX XXXX Visa Cardmember Agreement and the Card Benefi t Program rules as described in the Benefi ts Guide for the full terms and conditions of the Program rewards and benefi ts. 
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from XXXX XXXX XXXX. 
XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX and U.S. Bank National Association. All Rights Reserved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: U.S. BANCORP
State: WI

Complaint narrative:
An employee named XXXX XXXX, who is an employee of US Bank, ran my credit report and issued threats to members of my family using a proprietary bank phone and proprietary account information. My credit report is correct and that is not the problem. US Bank has been notified of this and knows of the issue. ( I have an email in my possession )

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 2015-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
MY EX SPOUSE XXXX XXXX XXXX XXXX AND MYSELF OWNED OUR OWN HOME XXXX XXXX XXXX XXXX XXXX OR XXXX AND IN OUR DIVORCE DECREE XXXX XXXX/XXXX/XXXX AND MYSELF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DID NOT DISCLOSE THE SALES FROM OUR MARITAL HOME THAT WAS SUPPOSED TO BE SPLIT IN HALF AFTER LOANS WERE PAID. THE REFINANCE HOME LOAN XXXX OBTAINED FROM HIS EMPLOYER US BANK WHO FIRED HIS WEALTH MANAGEMENT XXXX PENDING INVESTIGATION. XXXX XXXX RULED ON XXXX XXXX XXXX THAT LOAN HE OBTAINED WHILE I WAS IN XXXX, THAT LOAN WAS XXXX TO PAY OFF INSTEAD HE USED HIS EMPLOYER PAID HIMSELF OFF WITH PROCEEDS OF THE HOUSE SALE MOST LIKELY LAUNDERED TO XXXX, DIDNT PAY THE LOAN THROUGH US BANK, CHARGED THE FORGED LOAN SIGNED ON DIFFERENT DATES BY XXXX THE US BANK EMPLOYEE ON RECORD AND MYSELF XXXX SEPARATE DATES AND MY ATTORNEY XXXX XXXX XXXX DID NOTHING TO HELP NEITHER DID HIS THEY LIED AND WITHHELD EVIDENCE TO THE COURTS AND MY LIFE HAS BEEN PUT IN DANGER

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP

Complaint narrative:
Dear Sir, My self XXXX XXXX, using XXXX Credit Card since 2007. I observed in last month that company has practice to charge interest on due amount without adjusting partial payment made on or before due date. On asking clarification on this they told that until unless full amount is not paid interest shall be charged without adjusting any partial payment. 
Kindly look into that matter and justify why the partial payment should not be adjusted in principal amount for calculating interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
On XXXX XXXX, XXXX XXXX, XXXX served me with a Summons for Civil Case Number XXXX, In Magistrate 's Court dated XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , South Carolina XXXX ( XXXX ) XXXX ( XXXX ) XXXX I live in XXXX, South Carolina which was declared a disaster area in XXXX and XXXX, in the complaint plaintiffs states " Defendant used the account to and/or authorized to use of account to obtain cash advances and/or make purchases and/transfer balances from other accounts '' I was never authorized to use the account, obtained cash advances, or transferred balances from other accounts by the Plaintiff XXXX XXXX XXXX. I contacted Frist National Bank XXXX Omaha to make arrangements to pay the account and A representative stated they could not help me. 

On XXXX XXXX, XXXX Attorney XXXX filed summons XXXX, which is my daughter birthday and the same day President XXXX, I think this is unfair business practices and harassment, therefore I am requesting an investigation into Attorney XXXX, XXXX, XXXX, and XXXX XXXX XXXX business practices. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
This Complaint is filed against the US Bank XXXX XXXX XXXX, XXXX XXXX, Nevada, for the continued harassment made against my checking account 's Overdraft Coverage since XXXX XXXX, 2015 and continues. On XXXX XXXX, 2015 several overcharging Overdraft Fees, of {$36.00} each and an Extended Overdraft Fee {$25.00} were refunded to my account because the US Bank already have collected such fees. Consequently, the action made by the US Bank to overcharge my Checking Account with additional fees demostrates a desire to inflict me with personal harm that have caused XXXX. Please, note that the US Bank have fully responsability to manage my Checking Account with accurate information as is demanded by State and Federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow.

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 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
When the loan was purchased from XXXX to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another {$110.00} late fee again even though I had made my XXXX payment on time. Their excuse is that they had adjusted my monthly payment amount an additional {$20.00}, and that they 've waived enough payments for me in the past ( even though those waivers were their fault ). I feel harassed by an agency I have no say in and no recourse to take my business else wheres without paying huge refinancing fees.

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 2017-02-03 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is a {$100.00} gift card. I removed it from it 's packaging and went to go use it. The transaction was declined due to a {$0.00} balance. 
I called the issuer XXXX times, spending a total of XXXX minutes to no avail. The vendor is U.S. bank # on the back of the card is XXXX. A representative said that they would be faxing and mailing me documents to fill out for the claim process. They did not fax or email me anything. U.S. bank says that resolving the worthless card issue is contingent on receiving back the paperwork that they say that the sent out. This is clearly a scam and my {$100.00} have been stolen.

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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
TransUnion has no credit history for me. I called multiple creditors and verified that they were reporting to TransUnion and all of my personal information is correct. TransUnion refused to open an investigation or a dispute relating to the fact that they are reporting inaccurate information about me. I have XXXX different credit accounts all in good standing. XXXX and XXXX are both reporting accurately, but TransUnion tells me I have to contact all of my creditors and tell them to contact the TransUnion local marketing department.

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 2016-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank took a {$100.00} out of my checking account for XXXX that I did not authorize, I talked to net credit and told them that I could pay {$100.00} monthly. I was ask how I wanted to pay and I said I will called it in and pay by phone, I then paid for XXXX 2016. Now when the month of XXXX came, XXXX took {$100.00} out of my account without my permission I did n't authorize an ACH or call in for XXXX to debt my account. US Bank refunded my {$100.00}, to later take the {$100.00} back, US Bank fraud department told me that XXXX has that right since I owe them, but they do n't have the right to go into my account without my approval, they have the right to their money but they must go, I repeat they must go though the proper procedure by law and be approved ( I believe ). By the way I found out that XXXX XXXX had a Charge Off against me, I don '' t think you can charge off and collect to. They are taking my Federal benefits without approval, these tactic needs to stop. I realize {$100.00} is n't much, but it 's the little foxes that spoil the vine. The person I spoke to in US Bank fraud was name XXXX, in the complaint department is XXXX, XXXX. I thank you for the help!

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 2016-06-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Elan financial prepaid card account has reported 3 late payments to the credit bureaus two of which are false and the other is their error. I have written them emailed them and called them, but they will not even let me talk to anyone that can straighten it out. This is keeping me from buying the house I want. I have perfect payment history on all my other XXXX accounts. This was a clerical error on their part

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 2016-08-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
: On XXXX XXXX, 2016, US Bank proceeded to take a {$2000.00} ( the credit cards balance ) withdrawal from my husband 's bank account for a payment towards the credit card I had with them. They also took a {$320.00} as well enough as a {$25.00} withdrawal from my personal bank account. Only the {$25.00} payment was authorized. In attempt to figure out what was going on, I logged into my US bank credit card account online. First off, the unauthorized {$2000.00} payment showed up as pending and to come out 3 days Later ( on XXXX XXXX ). I called them several times to get the non authorized payments returned only to be told that they can not see the payments on there end, so they can not help and to call back on the following Monday. They also said I could only cancel payments 2 days prior to the date they were scehduled. Yet, they could n't cancel the {$2000.00} payment because " they do n't see it on their end. '' There were several calls without anyone able to help me, one lady even laughed at us. On the following Tuesday, my husband 's bank was able to decline the payment from going through. So I called US bank one more time to try to get the {$320.00} payment bank and to make sure this did n't happen again. The lady I spoke told me they would send me a check for the amount over I paid on the account, ( because on her end the {$2000.00} was paid still ) I tried to explain to her what happened and that they did n't owe me any money, I just needed the the {$320.00} to not be taken from my bank. She did n't understand, so I gave up. I went on to make sure that no more payments would go through. She assured me all auto payments are cancelled and would not happen again. Well today, they sent the {$2000.00} through my husbands bank account AGAIN. Both of our bank accounts have been tied up do to their error. We have n't had any way to pay for things all week. And now longer because they did it again. I ca n't help but wonder how many more times this is going to happen.

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 2015-04-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hi, I am a Bank of America customer living abroad. I had money transfered to BOA from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Bank of America, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Bank of America ). BOA is not responding to the trace sent by XXXX. In speaking to BOA they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both Boa and XXXX but they were of little help. Again, information from XXXX has been sent to BOA regarding my case as XXXX has opened an investigation. For some reason BOA has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection.

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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My issue is found with XXXX XXXX, a subside of XXXX XXXX and a wrongful attempt at collecting a debt that I am not responsible for. Firstly, the work was unfinished and shoddy but the largest issue is in the amount pursued being placed on a credit card that was never received. I could not approve the amount of the final transaction due to my inability to sign off on the card itself. It was ran without my approval resulting in fraud and a sizable amount of damage to my credit history.

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