vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I was contacted via text message saying I was approved for a loan $ XXXX {$10000.00}. I was given a number to call to discuss the details of my loan. He asked me that standard questions a loan officer would. He then was telling me about some insurance that I would need to take out on my loan and that it was for my protection. If I could n't make a payment then this insurance would make it for me. He then asked if I had a XXXX near by and that I would have to money gram him the payment for the insurance but he insured me that I would get my money back.

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 2016-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX/XX/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NV

Complaint narrative:
We requested assistance in the form of a loan modification with our servicer, Residential Credit Solutions ( RCS ), XXXX 2014. During the course of going through the initial steps of the modification, RCS repeatedly, after 8 times total in writing by ourselves, refused to update our mailing address so all correspondence was getting delayed nearly a month to us. We requested RCS to update our address so we were not repeatedly getting our mail late. RCS has been very INACTIVE in the past when it came to telephone requests so we began to put everything in writing. We finally sent RCS formal mail this spring and faxed and emailed the final address update requests and this finally worked. 

However, XXXX XXXX, 2014 was the deadline for us to submit paperwork for the modification to continue and we received this correspondence from RCS XXXX XXXX, 2014 to our current mail location of which we had been attempting to update for months! It was because we did not submit our paperwork in time because we did n't receive it until 1 day past the deadline date that we were denied a modification. 

This is ridiculous treatment by a servicer and a poor excuse for denial when we made numerous attempts to get RCS to send paperwork to the RIGHT address!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
The Bank does not have a note and is foreclosing without paperworks. 
I asked the bank to give me the paperwork ... they refused ( in their letter ) ... because they do n't have it.

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 2016-07-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
A fraudulent charge appeared on my account. I have contacted the bank numerous times to have the issue fixed. However, even though I have answered any and all questions and submitted any and all requested documents they refuse to follow the applicable laws of credit card fraud and refuse to even begin a claim, even though I have called repeatedly and spoken with them about the issue numerous times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, 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 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: U.S. BANCORP
State: AL

Complaint narrative:
While reviewing my credit report, I noticed that USBK employees had initiated an unauthorized and fraudulent inquiry into my XXXX credit report XXXX/XXXX/2015. I did not at any time authorize or consent to USBK to review my report for any purpose. This egregious act is in clear violation of my Privacy Rights and FCRA 1681 b ( c ). 
I am requesting for any verifiable evidence to support any consent I may have given to USBK employees for this gross negligent act to be provided me within 5 days for my verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
My mother-in-law passed away and I was ordered by the court to be the administrator of her estate. The mortgage company, US Bank, had no system in place for dealing with this situation. At the time of her death, the mortgage was upside-down- mortgage for XXXX and house value of XXXX. I attempted to get the bank to agree to a short sale, but they would n't agree to a short sale without an offer to purchase the house. We eventually got an offer of XXXX and attempted to get the short sale approved. The bank refused to even process the paperwork for the short sale because we " had not signed the form. '' The problem is that this form said among other things, that the signer agreed to accept responsibility for repayment of the loan. I signed the form as my mother-in-law 's name with my name undersigned as the administrator of her estate. They would not accept this. One representative told me on the phone that they would not accept the form unless I signed it with my name and my name only as the borrower on the loan! I refused. At this point, the estate was declared insolvent by the state court and closed. Even after the estate was closed and the property surrendered to the bank, representatives continued to call and send bills to my house attempting to collect mortgage payments, in direct violation of the court order!

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 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Good day. My name is XXXX, and I am filing a complaint against US BANK CORP in regards to multiple fees. I opened a US BANK account around XX/XX/XXXX, responding to an internet offer. After an initial deposit to open the bank, I found myself not using the account and did not manage the account for a period time. After receiving a statement saying they were closing the account, I concluded that there was no further action to be taken. Not knowing that a credit card payment had been made due to an auto payment set up, US BANK continued to add on several or more fees knowing that the balance was accumulating over XXXX dollars in the negative. After receiving a letter from a collection agency regarding the US BANK account ( I was unable to login to the account after US BANK had locked up online bank access ) I was shocked to see a balance of {$250.00}. After contacting the collection agency and having them cease and further efforts to collect on the debt, I filed a dispute with the XXXX, and received a statement from US BANK Corp regarding the balance. I disputed their efforts to collect on the balance stating that their numerous weekly overdraft fees, along with a " closing account '' fee of {$30.00} were unacceptable and that I would be willing to pay for the overdraft fee and balance for the payment to my XXXX. What I do not agree with is why banks allow an account to go negative, thus accepting a payment, allowing the balance to go negative and then adding on nearly {$200.00} in fees. It feels like I paid US BANK {$200.00} to open an account for a promotional offer. I replied to their first statement noting the fees and my offer to pay for what I feel is my responsibility, only to receive a second response stating that I was to pay the full amount, and that the record would remain on my XXXX file. No remorse, no empathy for my situation, pretty much that " this is how it is, we hold all the cards, you pay us now ''. I find this unacceptable and for the most part, criminal. I come to you today to assist me in showing these big banks that they can not bully us into paying all these ridiculous fees, a " closing account fee '', really? The further you put somebody in a negative balance the worse an impact it has on their financial situation. I would never even have taken their promo offer if I knew I would be out {$200.00} after XXXX months.

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 2017-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
A new bank took over from the previous one, from XXXX to visa ( fidelity credit card ). I setup auto-pay but they failed to take payments, failed to notify me of unpaid balances. I had been a customer for at least 5 years, maybe 10, never late, always paid balance in full with auto-pay. They cancelled all fees and interests once I called them, however they refused to undo their reporting to credit reporting agencies. It turns out that while they did not feel necessary to communicate with me for the unpaid balance issue, it warranted immediate notifications to credit agences. They refused to reconsider this action. It is unacceptable that a corporation can at their whim damage my credit report with the only recourse that I have is a lawsuit.

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 2016-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX we submitted the complete short sale package to US Bank for review. Sellers sellers had relocation benefit that would go to the deficiency to US Bank totaling XXXX the benefit expires XX/XX/XXXX so we asked for an expedited review and were denied. After several calls US Bank manager said she would request the file be expedited. When I called today I was told it was still with the processor and they were awaiting assignment to a negotiator. Please see the attached letter I have provided describing the entire episode.

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 2015-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My bank is Capital One in XXXX XXXX, LA. I payed a merchant with my debit card. They ran it through as a credit card, but accidentally rang up the wrong amount. They immediately realized this, voided the charge, and ran up the correct amount. This was on XXXX XXXX. It is now XXXX XXXX and the original incorrect charge still shows in my account as pending. Because of this, that money is locked up. I have called the merchant and they say their system show the charge as voided. I called the bank, and they originally told me it would take XXXX to 3 business days. When it did not clear by then, I called again and they told me XXXX to 5 business days. They have nearly {$500.00} of my money locked up. I would like access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
My name is XXXX XXXX XXXX I perches a vehicles on XXXX/XXXX/2016 and after one month I perches my vehicle moved to an a there state and I informed my bank immediately to Stat to Stat title transfer but the bank do the trick do anything to solve my concern know I could n't registered my vehicle and the XXXX wo n't prof of insurance or XXXX pend my driver license I did n't know what to do please Ned help. Thanks

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 2016-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC
State: LA

Complaint narrative:
I keep getting these phone calls of a payday loan i supposedly got many years ago. at first last year in 2015 i recieved XXXX and paid it because i know back in the time it was supposedly done i did do a few payday loans and might have forgotten XXXX and so i paid it to the collection agensy now in last couple of days i am recieving phone calls daily from XXXX using phone numbersXXXX and XXXX trying to make the same claim as last year which i paid ( now i 'm thinking i have been scammed ). either way they threatn with legal action and court for something that i paid for last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help 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 2017-02-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for auto loan with US Bank and they relied on XXXX Credit report to denie me credit. I requested a copy of my credit report from XXXX refused to give it 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 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of XXXX ( approximately 20 days ).

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 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank issued the XXXX credit card that I used. The current complaint is that my identity was stolen ( everything from Social Security number to password and all personal information ). The bank employees told me that they knew of the theft but did not contact me. Someone had called the bank and asked to change my password and address. The person had my personal identity information. I only learned of the theft when I called US Bank asking why they had blocked my use of my card when I tried to use it to buy printer ink. I talked to US Bank employees who basically said they were too busy to contact me. There were many earlier occasions when the bank blocked my card usage when I was outside my immediate home area. Each time I asked them to call me and ask if I used the card and was assured that they would do so. It did n't happen. 
I am a senior citizen.

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 2015-11-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: OH

Complaint narrative:
Someone has been calling my phone and family members about a loan that was done on line that I did not do and I have never taking out a payday loan online for any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In 2010 I requested a modification and was denied at that time my payment was XXXX at that time my husband and I borrowers fromOf 401k so we would not lose our home. Luckily the mortgage payment has went down. But once rates go up I willLose my home. I have a interest only arm rate with chase mortgage. I have a mortgage in Ga for a home we bought for XXXX interest only no money down. It 's not a XXXX XXXX or XXXX XXXX loan. Harp could not help. Hope could not help!!! Manager at chase mortgage XXXX XXXX could not help! After buy the house we consolidated all our debit into a second mortgage for XXXX ( I was able to refi this loan for a fixed rate at 5 %. We have called and applied to our mortgage company during hardship times for help but they told is we would have to miss payments to get anyone toLook at our loan. We have borrowed money fromOur 401k so we could make our payments. We believe that people should not walk fromHomes and work XXXX jobs if they have too. Because maybe we are old fashion but it 's wrong to walk from a home. All we want is some help!!! A fixed rate!!! Our value on our home is XXXX harp said if we had XXXX cash and saboritated the XXXX we could get fix rate but our mortgage payment would go up!! 

Any ideas and one I can call for help???? 
I believe it 's in the best interest for Chase mortgage to reduce our mortgage value to XXXX and give us a fixed 30 year mortgage. So we can keep our home! 
XXXX

Company response to consumer: Closed with explanation