vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 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: OK

Complaint narrative:
XXXX XXXX from NP Group called me today XXXX/XXXX/XXXX. she claimed i had up to {$3000.00} from loans that i have not take. she claims that money was deposited into my XXXX XXXX account ending in XXXX multiple times. XXXX she claimed on XXXX/XXXX/XXXX and XXXX in XXXX XXXX. I got in contact with the bank and verified that was my account at the time and had them email me the statements from XXXX XXXX to XXXX XXXX there are no deposits from the companies she claimed i took loans out with. She did not identify as a debt collector. The only payday loan i have taken online i have paid back in full. These supposed payday loans are not on my credit report either. this is the first i have heard about these so called loans. XXXX XXXX told me to go to XXXX ( already a red flag for the site ) and gave me XXXX numbers to look up, XXXX the info on their site has XXXX numbers that pull up no info. only XXXX of the supposed loans are in the time frame of the bank account being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
Client has applied for a modification through US Bank and all of the requested documents have been returned in an timely manner.  However, to date US Bank is still requesting the same documents over and over and saying that the documents are expired.  Reason being is because the keep the documents until they expire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I got behind on my mortgage payments. When I was able to make my payment and add additional monies to the payment, US Bank would accept my payments monthly and would return my check. They stated they needed the amount in arears paid in full, they would not accept as they called, partial payments. My mortgage got farther and farther behind because US Bank would not accept any money from me at all. Who does that? Meanwhile my credit rating has totally been ruined. When I was able to pay the arears amount in full, US Bank gave me the dollar amount I owed. I sent the check only to find out on my next month 's payment that they would not accept it because they said they mis-figured the arears amount and said I owed an additional amount. That totally was and is not my fault. The next issue is I want to sell the house. US Bank gave me an appraisal amount, my realtor gave me an appraisal amount which they are close. Then US Bank sends another appraiser and the appraisal went up {$27000.00}!!! I was advised of this after I put my house on the market. This bank does not and will not work with their mortgage holders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
Recently I went through some financial short comings when I lost my job in XX/XX/XXXX. 
During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am refinancing my FHA mortgage into an FHA streamline from US Bank to XXXX Mortgage. XXXX reached out to US Bank via fax at XXXX on XXXX XXXX to request a payoff amount, and has yet to receive anything as of today, XXXX XXXX. This is holding up my closing date, which now will most likely have to be moved back. I contacted US Bank on XXXX XXXX to get this request expedited, and I was told that they did n't have a request on file, despite the fact that my loan processor from XXXX had spoken to US Bank several times over the phone between the XXXX and XXXX to get the payoff sent. I was told that because their fax machines are constantly busy, the initial request from XXXX may not have made it through, causing the delay. For an institution as big as US Bank is, this is utterly unacceptable, and it is doing me a disservice as a consumer and customer. I was told in my conversation last night that the payoff request is being sent to XXXX, and they should receive it in XXXX72 hours. For something that should only take a couple of hours at most to process to take XXXX3 days, in addition to the 5 days previous it has been on hold for is absolutely unacceptable, as my account is up to date and current, so nothing should be holding this 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 2016-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was contacted by a person stating that his name was XXXX with XXXX, and he stated that I defrauded a financial institution from XX/XX/XXXX-XX/XX/XXXX and I have never ever done this.

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 2015-04-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. 

XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. 

After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. 

I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. 

XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. 

XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. 

Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). 

XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. 

They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. 

The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. 

Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for USBANK visa signature card since they were offering % 0 APR for balance transfers for one year. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. I called customer care and spoke to supervisor called XXXX and almost spend one hour on the phone since these guys are not organized and specialized in wasting valuable customers time. I was told balance transfer did n't hit my account within first month of account opening which is not true. I did some due diligence prior to balance transfer and called USBank customer care and I was told as long as I completed balance transfer on XXXX XXXX I should receive 0 % promotional APR and I followed their instructions and completed balance transfer request on XXXX XXXX. As per supervisor XXXX I was told I should have completed balance transfer on XXXX XXXX which is Sunday which is contrary to what I was told by previous customer support reps. I opened USBANK checking acct on XXXX XXXX along with credit card and I used the credit card as soon as I received it on XXXX XXXX which prompted me to believe USBank is counting the day they mailed credit card and not the day I received the credit card which is not ethical way of doing business. USBANK clock is ticking even when I do n't possess credit card to request balance transfer. I was told by supervisor XXXX I should have an existing checking acct inorder to qualify for {$100.00} credit. 
USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading. USBank is offering so many promotions in a misleading way just to attract customers and denied promotions once they open accounts. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading I demand that USBANK grant me % 0 APR for balance transfer since I was given misleading info from customer care and also USBANK clock is ticking even when I do n't possess credit card to request balance transfer. Also USBANK should give me {$100.00} credit Since USBANK web site should n't be offering me credit card offer with {$100.00} promotion along with online checking account opening if there is a requirement of existing checking account and this practice is very misleading

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 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: TX

Complaint narrative:
On Thursday XXXX XXXX, my mother, sister in law. my ex-mother in law and my ex-mother and laws mother ... .. all received calls from a company called NP group. They were calling to trace and locate me. The message left reads as such ... " This message is regarding our location and tracing efforts for XXXX It is important that we speak to you regarding their whereabouts. If we can not verify this information through you. The law allows us to contact all references on file, dial XXXX not to speak to a representative or call XXXX. If you are unable to provide any information concerning the whereabouts. Please call the office regardless at XXXX. Your immediate response is appreciated. '' I have not outstanding debts with anyone and have on several occasions contacted the FTC on loans I do not owe. I would like this company to stop calling me and any of my relatives current or past. They do not have the right to harass these people or myself on a debt that does not exist. They have since called several more times to these same people. I have called more than once to get this resolved. I called the first time and it went to a machine and asked for my name and number and they would call back. The second time the phone just rung over and over with no pick up. The 3rd time it put me on hold and then to dead air. The last time the representative wanted to confirm my Social Security number where at that time I declined to give her that information and so she said she was n't going to do anything unless she knew I was the right person and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. 

On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. 

Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. 

In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. 

So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. 

How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
first national bank sent me a offer for transfer from a credit card with higher interest to there card. I did, and that made my XXXX near the upper limit, so after I had paid it down {$1000.00} they lowered my credit limit {$1200.00}. That makes it show that I am maintaining a high credit limit. After I paid down another {$800.00} they did it again! They are artificialy making me look high risk. This is, I am told is the most looked at fact when considering credit risk. They soliciated me. How can they get away with this bait and switch tacit?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC
State: IL

Complaint narrative:
Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


Thank you, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF OMAHA
State: SD

Complaint narrative:
I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Technologies, Inc.
State: MI

Complaint narrative:
A credit report was run for me as I 'm trying to get a mortgage. A debt collection that I paid off with a {$0.00} balance in XX/XX/XXXX is being reported as a {$0.00} balance every month by the collection agency. The report comes back and shows the most recent report of a {$0.00} balance as XX/XX/XXXX instead of the date it was originally paid off ( XX/XX/XXXX ). The credit reporting company ( I assume ) must be looking at the most recent report of a {$0.00} balance instead of the first date it was reported as a {$0.00} balance ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank did not refund annual fee when I closed account back in XXXX, XXXX. The fee remained and started accumulating late fees/penalties. Balance is now {$200.00} and should be XXXX. Also shows up on credit report as delinquent and 90+ days past due. They say that I closed the account in XXXX, XXXX. I closed the account in XXXX, XXXX. Account should n't be past do 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