vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from the XXXX XXXX D. Scott Carruthers, stating I owe a balance of {$16000.00} for an original debt of {$2100.00}. In the letter they also state that once they verify my place of employment, then they will begin the lawsuit. I have written the collection agency that this law office is representing on several occasions requesting proof of the debt. I have never gotten any response from them. The last letter I sent to them was dated XXXX/XXXX/XXXX where after doing some research of my own and contacting my states attorney general, I found out that the Statute of Limitations had expired.I sent them that letter explaining my findings and still have yet to get a response from them. And now 1 year and 3 months later I get a letter stating that I will be sued. 
Update XXXX : I have since tried to resolve this matter by going to court but ultimately settled and am now paying {$50.00} a month on a debt that I do not owe. I am a victim of identity theft and this loan was taken out in my name without my knowledge by my former boyfriend who I was abused by. I feel that since we lived together at the time and he had access to all of my personal information, that he took out the loan without my knowledge or consent. I provided this information to the lawyer that contacted me including police reports, and an identity theft letter ( notarized ) and copies of previous restraining orders to prove the abuse that I was subjected to. A deposition was done as well, and I told them the same thing. But they continued to state that I owe the debt. Although I am currently paying ( out of frustration, and fear of them finding my abusive ex and them giving him any information to where he can find me-he has threatened to kill me on several different occasions ) is there anything else that I can do? I do not want to pay for a debt that I do not owe! I originally filed a complaint back in XXXX and am still working to resolve this matter. Here is the Case number : XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to open a checking 's account with XXXX Bank, and US Bank in XXXX XXXX, and I was denied a checking 's account with XXXX banks because XXXX is reporting innacurate information to the banks stated above, intervening with my future banking. This matter was cleared in XXXX, should n't be reporting innacurate information to banks under any circumstances. Please clear this matter at your earliest convenience. I have already provided XXXX with a police report from XXXX Police Department regarding this matter.

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 2016-08-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Dear CFPB representative, On XXXX XXXX, 2016, I tried to withdraw {$800.00} cash from a U.S. Bank ATM ( XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX ) using my foreign bank debit card ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The ATM initially displayed " Please take your cash '' but no cash came out, and then it displayed something like " There was an fault and the transaction was cancelled ''. However my debit card was debited {$800.00} and a transaction fee of {$3.00} was charged. I talked with the teller of U.S. Bank in XXXX, and they admitted that ATM had been having some problem that day and they have received complaints. They told me to submit a dispute from my local bank ( XXXX ) and wait for one week to see the balance updating on that ATM. I submitted a dispute for the failed transaction on XXXX XXXX, 2016 but today I received following-ups local bank saying the U.S. Bank said the transaction was successful and there was no remaining balance associated with this transaction, indicating U.S. Bank did not want to take the responsibility. I also contacted U.S. Bank ATM services but they refused to help me but insisted on resolving the problem with my local bank. So the situation became an endless loop : I submitted a dispute through my local bank as U.S. Bank told, but then U.S. Bank denied their responsibility. I hope CFPB can help me get my money back. Thank you so so much!!! 

Best regards, 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 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
U.S Bank paid out settlement monies, twice, in regards to a lawsuit. Whenever the monies came due, the bank finalged with my account costing me close to XXXX in overdraft fees. I get SSI, 733 monthly. I called to check my balance and it was good, soon as I used my card the bank withdrew money from a bill from two weeks prior which led to several overdraft fees. The same thing happened with this last settlement payment. This bank is using our money to help pay their settlement judgement.

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 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule XXXX for XXXX XXXX that I owned. I file my taxes using XXXX from XXXX ( XXXX and XXXX ). I provided them my tax returns for XX/XX/XXXX and XX/XX/XXXX along with the XXXX XXXX. The XXXX XXXX format generated by XXXX is different from the XXXX seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule XXXX on top and my tax returns have been accepted by the IRS and XXXX is an IRS approved Tax software. However, the bank is insisting that the XXXX XXXX provided by me are not the right format. I offered to redo the XXXX XXXX to the format required by the bank and the bank declined that option. The interesting thing is that all the XXXX XXXX 's I provided are having {$0.00} entries and do not impact my credit worthiness or assets or liablities. We have been going back and forth on this for more than XXXX weeks and there is no resolution. The issue is at a stalemate. I have provided all legal documents and information required by the bank and they are simply refusing to move forward based on the XXXX XXXX issue. I believe they are acting in an authoritarian manner and possibly discriminating against me and using the XXXX XXXX as an excuse. The Schedule XXXX 's I have provided are legally accepted forms by the IRS and yet the US Bank is refusing to accept the same. The loan XXXX I am dealing with is curt and not willing to listen to 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 explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX I deposited my paycheck and another check at a US Bank branch inside a XXXX on XXXX XXXX in XXXX, CA. I asked the teller to deposit {$500.00} of the $ XXXX deposit into my savings account. He, instead, transferred out of my account {$500.00} into my secured credit cards savings account. This did not result in an increased limit on my credit card. The money was tied up in an account that I had no access to for 5 days. It was finally corrected on XX/XX/XXXX when the branch ( after many hours and managers in the US Bank customer service line ) finally released the funds and transferred them into my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: California Accounts Service
State: CA

Complaint narrative:
CAS had been trying to collect a utility bill that was discharged in bankruptcy. After numerous calls I finally mailed CAS written response in 2014 and the calls and letters stopped. 2 years later they report a collection to credit bureau and without written notice. I only find out during a family move and finance transaction - which adversely affect my moving and financing ability. CAS has not accepted any responsibility or demonstrated any willingness to resolve, correct or remove reporting. 
They will remove report if I pay them or prove to them that they made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
I wish to file a complaint about U.S. Bank and how they have failed to process chargeback requests from XXXX of this year, then claimed my credit card account was past due when it was not, and then had the temerity to turn my account over to their collections department, even though it is not past due and - in fact - should have a credit balance. They have this account all screwed up ; yet, despite my numerous attempts to help they fix their errors, they STILL have not fixed the problems they created and they compound their errors by dunning me with inappropriate late fees and interest charges on this closed and fully paid account, and now they are going so far as to harass me by calling me falsely claiming that I owe money on this account, which I do NOT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Key bank transferred my balance to Elan Financial and rate went from 9 % to 15.99 % ... I have not been using this card and working to pay off the balance ... .Never late ..maybe once a few days and most often pay overlimit ... Trying to pay off still owe {$10000.00}. not aware ofthe ability of them to just raise the rate but read hear maybe not correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
U.S. Bank has been charging me XXXX overdraft fees, the XXXX overdraft fee is charged same day the purchase has been made and the second is charged XXXX hours after the account has been negative. The latter is legal, but not the XXXX charge because it is charged the same day. Not only have I had to pay additional fees the charges have in some instance made my account negative when it would not have been otherwise. I have also received overdraft fees when my account was not negative, the fees were waived, but it has happened on many occasions. In addition to this I have received XXXX overdraft charges for the same purchase, for instance XXXX charged would be stated as an " overdraft fee '' and the XXXX would be stated as a " negative balance fee '', a charge of which I have never received any direct information on. The last issue is that I have received overdraft fees that would increase each day following the initial fee, notices are sent through the mail, but does not show on your statement. I have not kept these statements for record, but others have stated that they have received the same type of fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Tidalwave Finance Corporation
State: CA

Complaint narrative:
I bought a 2005 XXXX 2005 last year, And I already had to replace the transmission. And, The finance company That I pay, stated that I still had to make my payments.They only gave me 1 month leeway on my bill, And I still had to pay for the form to get processed. So In still skeptical about this finance company because I 'm finding out they gave me a precomputed interest rate, which means they could of put extra interest on the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a coupon offering {$200.00} if I opened a checking account at Fifth Third bank. During the account opening, the banker informed me about services available like a complimentary savings and credit monitoring. I did not inquire about the savings because I did not have a need, but inquired about the credit monitoring. She then explained there was a fee and I informed her I was not interested. At the end of the process she provided me with a paper to sign acknowledging I was opening a savings account. I asked if this was required and informed her I did not want a savings as I did not have a need. She stated I did not need to open the savings and I told her I did not want one. A couple days later I called customer service as I was not able to log in online. After getting help from the representative I was able to log in. To my amazement it showed a closed savings account. I asked the representative if the account was ever opened and she kept stating it had been closed. The second or third time I informed the representative I knew it was now closed, and asked had it been opened in the past. She informed me it had been opened the same day I opened my checking and then closed the next day. This makes me very upset for several reasons : a financial institution account was opened without my permission, when I asked the banker I was lied to and told it would not be opened and it was, and when I asked the customer service representative days later ... it took me multiple attempts to get an honest answer that the account was indeed opened and then closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.

Company response to consumer: Closed
Consumer complaint received 2016-12-18 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: Focus Holding Company
State: MA

Complaint narrative:
I am filing a complaint for a debt collection agency. This agency is Focus Receivables Management XXXX XXXX XXXX. XXXX XXXX. XXXX, GA XXXX. XXXX This company has never attempted to contact me regarding any debt via phone, email, or mail. They reported this debt from a previous cable company from years ago as a collection on my credit report to all XXXX credit bureaus. I have since paid XXXX what was owed to them and this " collection '' remains on my credit report. I sent this debt collector a letter to have this removed from credit report as I was never notified of any debt owed prior to the report on my credit. This has had a detrimental effect on my credit score. 
Please accept this as a complaint against this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CO

Complaint narrative:
They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.

Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: TX

Complaint narrative:
I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. 

They call twice a day, if not more even after I 've requested they remove my work telephone from the system.

Company response to consumer: Closed
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: IL

Complaint narrative:
" There was no debt to begin with '' I used to be XXXX XXXX XXXX customer. In XXXX of 2016 I decided to discontinue using the service. I disconnected the equipment and returned it to the closest XXXX XXXX XXXX on XXXX/XXXX/2016. Then I tried to get XXXX to actually close my account. It took over a dozen phone calls and over 2 months for them to finally close it. Meantime their billing system kept adding new service charges and late fees. After the amount went over some threshold I started getting multiple robocalls per week from " Focus Receivables Management LLC '' collection agency to my personal cell phone. Even after I was finally able to get XXXX to close my account and remove all the bogus charges - the robocalls from the collection agency did not stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: VA

Complaint narrative:
My first contact with this debt collector was in being sent a photocopy of a bill from the original creditor. 

I sent them an affidavit requesting documentation from this debt collector showing the contract from the original creditor stating the true and accurate final debt amount owed to the original creditor and stating that this debt collector was given the right to collect the original creditor 's final debt amount. 

The FDCP mandates that debt collectors have 30 days to respond to debtor requests for proof of true and accurate debt information. 

This debt collector did not respond nor provide me with any documentation. 

Therefore, I consider this to be a case of fraud and extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.

Company response to consumer: Closed
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: VA

Complaint narrative:
For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: SD

Complaint narrative:
I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.

Company response to consumer: Closed