vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: SC

Complaint narrative:
I had a credit card which I was unable to make the payments due to unemployment. So the account went to collections and Frederick J. Hanna got the account. So they served me papers around XX/XX/XXXX or XX/XX/2015. So I acknowledge that I owed this debt and would start making payments by signing and getting a form notarized stating I do owe this debt. So I began making payments. In XX/XX/XXXX I set up a payment plan in the amount of XXXX $ /month before that I had pay off the debt by XXXX . There was an additional XXXX $ added for court charges make a total balance of XXXX. Once my payment plan was set up it kept getting cancel for some reason which they would not tell me. So XX/XX/2015 I was upset that they still was sending threatening letters of bring me to court accusing me of not making payments when I was. I just pay the total balance of XXXX over the phone and I received a confirmation number. They took it out of my checking account twice so a total XXXX instead of the XXXX that I owe. Now I ca n't get in touch with anyone none of the representatives will come to the phone. I did my part but I feel like now I 'm being con out of my money. I 'm a XXXX and am trying to move to start a new job. I really could use every dime I have so I do n't wish to be taken advantage of. I used the credit card I ran up the charges I understand and will pay what I owe. But I do n't understand why they are trying to charge me twice and adding additional charges. There need to be some sort of action taken against this firm because of the harassment, threats, and trickery is despicable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
Rented a home in XXXX, Alabama. The realty company communicated with a 3rd party collections agency without contacting me about resolving the debt sent from the realtor. The charges listed were incorrect, but the issue was not properly resolved. I attempted to communicate with XXXX about the accused debt by letter, phone and email without response, but was sent to a debt collections with no communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I was supposed to receive an escrow check from this company. I sold my house on XX/XX/XXXX. XX/XX/XXXX and I still had not seen a check. I called them on XX/XX/XXXX and they told me it was mailed out on XX/XX/XXXX. I have received all kinds of mail form them but no check. On the XXXX a gentleman told me that he would stop payment on the old check and have them issue a new check, to wait 5 days. If I did not see a check by Saturday XX/XX/XXXX then to call back. I called back on XX/XX/XXXX and the lady told me that the gentleman had mad a mistake and put the check back in escrow! After a long conversation with her she said that her supervisor agreed to have the check sent next day air to my address. She also said to call back on XX/XX/XXXX and they would have a tracking number. I called back on XX/XX/XXXX and the new lady said the check was still in process of being issued and that it would take about 2 weeks for me receive this check. I settle on my new house on XX/XX/XXXX and this is money I was going to use for the down payment! Now I may lose the new house and all they can do is say sorry for the inconvenience. They flat out lied to me from the 1st phone call, I asked to speak to a supervisor and they kept transferring me to different departments. This company dose not know the 1st thing about customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
They said they were given my account from the current mortgage company i use. They offered me a price to refinance my loan then gave me a closing cost detail list which did not make sense. The payoff on XXXX page is different then the total payoff on the loan. He rambled around trying to tell me what they were trying to charge me for. The average person would get screwed unless you know what these guys are trying to pull over to get their XXXX fee. They are dishonest and their numbers do not add up.

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 2016-10-30 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
my wife has n't lived with me since XX/XX/2016 only one week XX/XX/XXXX .We are foster parents and monthly receive a check from family and job services.family and job services know this and XX/XX/XXXX started looking for a house for her found one soon after.My check never came in the mail so I phoned them and she signed for the check with them knowing that they got her a home and was n't living anything in this home that I purshed for the kids was on my credit card or check.so anyway they told my wife I will never get anything from me and the check was cashed without my signature at us bank.family and job told her to cash it and they helped her. how could a bank do this the check clearly stated our names and it said and between our names not or and I do n't deal with this bank no account at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a XXXX, and my crediti card was used by a former employee to pay his own bills. I have been fighting with XXXX XXXX XXXX since XX/XX/2016 about this. I have filed a Friendly Fraud Report with my local Police Dept. The CC Company will do nothing about it, even after providing them with numerous copies of paperwork.

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 2015-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
Hello - I opened an account with US Bank approximately 2 years ago. I was a " secured credit card '' - the terms were that I deposited {$5000.00} into a secured account and was granted a credit card with a limit of {$5000.00} corresponding to my secured account. 

I decided to close this account XX/XX/2015 and had difficulty discovering the process to close the account. Finally I submitted a request in writing to close the account XX/XX/XXXX. I was told my {$5000.00} would be refunded shortly. On XXXX XXXX, 2015 I was told again that my check was being cut and was being mailed that week and I would receive it by XX/XX/XXXX at the latest. It is now XXXX XXXX, 2015 and I have not received the funds I deposited with US Bank. 

I 've had a frustrating time dealing with the customer support as they make it very difficult to get information and have so far given me false information regarding the {$5000.00} that they are withholding from me. They have kept my funds for over 2 months and repeatedly misrepresented the return of those funds. I regard this a fraudulent in that they represent one thing ( that the deposited funds are easily recovered once the account is closed ) and their behavior suggests that they are holding the funds purposely for their own gain ( they are collecting interest on my funds ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My account was closed at MY request. This should not be on my credit reports. I want them removed from ALL three credit bureaus ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed for a dispute and I did it XXXX XXXX on XXXX XXXX they took the money back without my knowledge when I called they told me that they would put the money back into my account because they took it out without my knowledge even though it was visual credit and my account is still in negative I 've had XXXX people in fraud department told me that I can get my money back and that my account will be in a positive balance again because they took money out of my account without my knowledge then when I called back because it is still negative they act like they do n't know what I 'm talking about and my account is still negative I feel that I 'm getting treated unfairly when I speak to a supervisor of the fraud department he had attitude I do not know his name like he did n't want to be bothered I have been at many banks I have never had a problem with filing for dispute this was the worst.

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 2015-05-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My Volvo was in a collision on XXXX/XXXX/2015. The damage resulted in the car being a total loss. The insurance paid the leasing company, US BANK, less our {$500.00} deductible. 
Our lease payment is due IN ADVANCE of use on XX/XX/XXXX ... Every payment has been made on time. I made the payment of {$470.00} for XXXX 2015 and I believe that amount should be credited to the {$500.00} deductible since I did not have use of the vehicle for the month of XXXX which I paid. I have been fighting wit US Bank for over 9 months about this and they refuse to credit the payment.

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 2015-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
ON XXXX XXXX, XXXX I ENROLLED IN A PROGRAM CALLED XXXX SPONSORED BY XXXX XXXX XXXX FOR AMOUNT OF {$1900.00}. THE THIS WAS SUPPOSED TO BE ADVISORY AND EDUCATIONAL SERVICE. AFTER MANY CALLS AND E-MAILS I WAS ENROLLED IN XXXX XXXX XXXX WEEKLY OPTION ADVISORY PROGRAM THAT WAS SUPPOSED TO BE AUTOMATED BY THIRD-PARTY. I DID NOT RECEIVE WHAT THE AGREEMENT WAS I COULD NOT SET THE ACCOUNT. I ENROLLED ON THIS PROGRAM ON XXXX XXXX, XXXX AND I DISPUTE THE CHARGES ON XXXX XXXX, XXXX. THE BANK DID NOT INITIATE THE REFUND BECAUSE THEY WOULD NOT UNDERSTAND THAT I DID NOT GET WHAT I WAS SUPPOSED TO GET. AS A RESULT THERE WAS A CHARGE OF {$5000.00} TO MY CREDIT CARD WITH NEW AGREEMENT OF TERMS AND CONDITIONS THAT I DID NOT AGREE TO. WHEN I TRY TO CHALLENGE THE CHARGES AGAIN THEY SAID I AGREE TO THE NEW CHARGES BUT I HAVE BEEN COMPLAINING MANY TIMES WITHOUT ANY RESULTS. I NEED HELP SO I CAN REVERSED THE CHARGES ON THE SERVICE I NEVER RECEIVED. 
THANK YOU VERY MUCH. 
XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now.

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 2017-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a letter from US Bank stating that I lived in a Special Flood Hazard Area, which means I am required to maintain flood insurance coverage. If we do not receive evidence of sufficient flood insurance coverage within 45 days, we will proceed to buy flood insurance for your property. I contacted US Bank and was informed that my garage was not covered. I then contacted my flood insurance company and they stated that the garage was covered and sent the appropriate paperwork to US Bank. 
On XX/XX/XXXX, I received another letter from US Bank, stating that a detached storage building on my property which had a replacement cost of over {$5000.00}, is not covered. It also stated that I had a FHA loan and the replacement cost was determined to be {$12000.00}. I do not have a FHA loan, I have a VA loan. The only storage building I have is a XXXX ft. by XXXX ft. shed that is definitely not worth over {$5000.00}. 
When I called US Bank, today, XX/XX/XXXX, I was told that the storage building was appraised at {$12000.00}, from comparable storage buildings that were XXXX square feet. 
My complaint is that this bank is not using correct data to determine what flood insurance is required to cover my mortgage. In their original letter they state that they will only provide insurance that covers the structure of my home ( the building, walls, floors, roof and permanent attachments ). So why are they now stating that I need additional insurance for a storage shed? I feel like they are trying to take advantage of us in every way they can. We have not had any issues like this before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank is charging overdraft fees to make money. I have on several occasions looked at my account saw it was over and immediately put money in the account. Not a check, but cash. The next day I am hit with an overdraft. I have made many deposits on my account in cash and all have a positive balance to again get overdraft fees. I have requested text messages when my account is below XXXX, not only have I not received one this year, but they notify you the following day what your previous balance is. Just so they can charge these fees. How is this legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX Gas Rebate World MasterCard states that you will " Earn XXXX % rebate on gas purchases - capped at XXXX % of your total monthly purchases '' When I inquired as to what the result would be of only purchasing gas and nothing else I was told that I would receive a XXXX % rebate. I made this inquiry two times by phone and the representative was confused and needed to speak with a supervisor to confirm the rebate features, but both times stated that I would receive XXXX % in rebates if I only purchases gas. 
I used the card to purchase only gas and received a XXXX % rebate, not 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 2015-06-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
HelloI bought Visa Gift card ( Prepaid ) card for XXXX $ at XXXX store in XXXX, GA. It was issued by US Bank. I bought it around XXXX XXXX 2015. Around XXXX XXXX, I tried to use and XXXX said, I had only XXXX $ left on the card. When I checked online, I could see that someone had removed money from the card using XXXX XXXX. 

I immediately contacted them at XXXX and they closed my card. It was around XXXX XXXX 2015. They sent me form to fill out which said, I need to file police complain and get it notorized by bank. 

i did all that and faxed them form around XXXX XXXX 2015. Till today, I have not heard back from them. I have been calling them and they are saying that they are still investigating it. 

My XXXX $ are stuck right now for a month and I am not getting any good answer. Can you help? 

Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I often check my account online to make sure payments are made and everything looks good. Little did I know that I was being charged a late fee every month, for the last 8 months and now my credit has been very negatively effected. US bank failed to show accurate information on the website such as fees on their posted transactions section. I only found out when I checked my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
I have called XXXX XXXX Medical Center to check if I owe anything but they confirmed all of my bills were paid off.

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 2016-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is regarding case # XXXX. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from XXXX 2016 to XXXX 2016. 

It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consumers being treated this way by these large organizations.

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: Delinquent account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am delinquent on XXXX credit cards with US Bank. My only source of income is direct deposit to my US Bank checking acct. of Social Security. I am paying what I can each month after I pay my mortgage and utilities. US Bank has me on their " dialer service '' for both my home and cell phone. From XXXX thru XXXX they called me from XXXX letting it ring twice ( 14 times ) & then hang up. On XXXX, I called and spoke with XXXX and she advised she would take me off the " dialer service '' and have a supervisor call me on or about XXXX. I advised I was scheduled for XXXX on XXXX. Admission and discharge charge records are available if needed as proof. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my home phone. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my cell phone. I want these harassing calls to stop. I am aware of my debt and will continue to make payments on these credit cards. Their constant calls serve no purpose other than harassment in my opinion. If there is n't a law against this type of harassment ... there should be.

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 2015-07-08 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Sokaogon Finance, Inc.
State: CA

Complaint narrative:
I did not apply for a loan. Received no money. But for some reason this company thinks I took at a loan. They showed me a contract that does not even remotely look like my signature. I told them to send me an affidavid and I remoke them from charging my account. I have looked at my account several times. There is not money there.

Company response to consumer: Closed with explanation