vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a U.S. bank XXXX XXXX credit card. I signed up for the card solely for the " Bonus Award Night '' benefit. I renewed my card and paid the {$75.00} annual fee on XXXX XXXX, 2015. I called on XXXX XXXX, 2015, to express my extreme disappointment about the loss of this benefit ( on XXXX XXXX, 2015 ) and asked for compensation in order to remain a cardholder. They promised XXXX bonus points and said that was the maximum. I was only awarded XXXX bonus points to my account. A friend was offered XXXX points and a {$75.00} credit for the annual fee. We both received our cards at the same time. Not only did U.S. Bank XXXX XXXX not provide me the points I was offered, they " short-changed '' me considerably in comparison to others. And if you read their terms for new cardholders, the Bonus Award Night is still listed, even though it ends on XXXX XXXX, 2015 ( https : //www.usbank.com/credit-cards/club-carlson-premier-rewards-visa-signature-credit-card.html )! I 'm now concerned about the ethical nature of this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooling & Winter LLC
State: VA

Complaint narrative:
I received a phone message today from some identifying himself as XXXX with Cooling and Winter law firm. He said to call him back and that it was a debt collection call. As I do n't have any debt in collections, I XXXX the firm name to see if this was a phone scam. The search showed a CFPB enforcement action against this law firm 's partners for deceptive collection practices. I pulled my credit report after the call to make sure there was nothing showing. I have a clean report and am current on all debt. I am unsure what to do as I do not want to return this call as I have no debt in arrears. However, given the tactics attributed to this firm I do not want false allegations of unpaid debt made against me and jeopardize a pristine credit history. Would appreciate any guidance on how to proceed. 
Thank you for your time and attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: SC

Complaint narrative:
BBVA COMPASS IS FINALLY RESEARCHING MY PROBLEM, ALTHOUGH THEY HAVE NOW TAKEN OVER 90 DAYS WITH MY COMPLAINT AND THERE ONLY RESPONSE IS THAT THEY ARE LOOKING INTO AND WILL BE IN TOUCH WITHIN 60 MORE DAYS. THAT IS 5 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ARS collection agency failed to send me verification of This medical debt they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was notified XX/XX/XXXX that my account had been frozen because the bank noticed a Security/data breach to my account. When I was able to contact them XX/XX/XXXX I was told they would only be able to unlock my debit card one time for an ATM withdrawl. I had informed them that in two days ( XX/XX/XXXX ) there would be a direct deposit from my employer that I would need access to in order to pay my rent, utilities, gas for transportation and food but that I needed access to the funds that were currently in the account in order to put gas in my car so I could drive home from work, 40miles away. They did unlock the debit card that evening then locked it down again. On XX/XX/XXXX the direct deposit from my employer credited the account as I had told them. I called again and was denied access to my debit card. I was then told I would be able to do an electronic transfer of funds to an outside account, but when I attempted to do so, I was not able to. When I called again they said they were mistaken and I would not be able to transfer funds after all. I then demanded a check immediately be expedited to me to be in my hands no later than XXXX XX/XX/XXXX. To which their response was I would get a check only AFTER they had completed closure of my account and that could take up to two weeks!!! 
This is n't THEIR MONEY ... ITS MINE! I earned it, I trusted them to keep it safe and they messed up and now they 're holding MY MONEY hostage! 
I ca n't wait two weeks to eat, to have gas to get to work every day, to pay my rent or my utilities! That 's not acceptable at all, not in any way, shape or form! 
We 're not talking about " extra cash '' someone may have lying around, this is EVERYTHING I have! My ONLY source of income! My only means for paying my everyday living expenses and they can only say : " Sorry for the inconvenience ''!? I 'm furious! I 'm beyond words with how angry, disappointed, violated..I feel!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to make a transaction I never received the product or services and was still charged, after becoming aware of this I immediately contacted BBVA Compass to dispute and was awarded a refund but was still charged several overdraft fees because of it. The bank stated that Federal bank regulations would not allow them to refund the overdraft fees because it was not a bank error. I 'm refusing to have to pay the bank fees for transactions that are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I receive paper statements from Capital One. Their statements say " payment received by due date or a late fee ''. Several times already, I have been charged a late fee even though I made payment on their website on the due date. Every time I contact them, they say it was charged because I did n't make the payment by a certain time on that day for it to post quickly. Even though the authorization shows it was made that day. No where on their paper statement does it say it has to be by a certain time on the due date. once again today I am contacting capital one about late fees on XXXX statements and I 'm getting the same run-around again. They are only willing to waive XXXX of the late fees. My point in the past is if I had mailed a check/money order dated or post-marked the due date, it would be accepted but my making a online payment ( which is faster ), is not acceptable for that date unless its ' by a certain time. None of my other credit card companies do this. I dont ' mind late fees if my payment action is actually late, not on the due date. This I mind and getting tired of keeping track of something that I ca n't just pick up the statement and see it in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank recently cancelled the free night award bonus which was a benefit of their XXXX credit card. I had renewed my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertised at the time I renew my membership unlimited free bonus award for any nights booked with points. My family does a large part of our banking with US bank and are now considering other options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XXXX XXXX 2015, I contacted US Bank Home Mortgage ( my current mortgage company ) to refinance my condo with cash out for debt consolidation and home improvements. While speaking to my loan officer, XXXX XXXX, she assured me that because I was a current customer of US Bank that he process should be relatively simple- pending appraisal. After 4.5 months of being the process US Bank Home Mortgage denied my loan because they stated, " we let your credit report expire, when we re-pulled your credit report- you no longer qualified. '' During the months that I was in process at US Bank Home Mortgage, my loan processor-XXXX XXXX lied me to three times. In XXXX 2015, I was told that my loan was approved ; however, she was not able to close my loan because they did not have any closing times available. The second and third lie came in the beginning part of XXXX 2015 when I was told that I could not close because I needed an updated payoff from US Bank, which apparently took two weeks to obtain. 
I firmly believe that US Bank Home Mortgage dropped the ball on SEVERAL occasions in regards to processing and closing my loan. I do not believe that the company has proper processing systems and that they lie to customers to prevent them from looking elsewhere as was the case with my refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
i have an us bank credit card and i have been charged excessive fees on my account and tried to settle the account due to a family crisis and called US BANK to get som assistance with payment options and was informed that i could n't get help this account has ruined my credit and have n't helped 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 2016-01-04 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
In XXXX of 2015 I went to my US Bank to discuss identity theft with my XXXX account and my checking account. The branch manager suggested that she open a new checking account for me, and this was done. I could not immediately close my old account since I had to first change my direct deposit information with Social Security and my pension fund. I did this, and I also changed all my information with my creditors. 
In XXXX of 2015 I paid my monthly statement with a creditor in the amount of {$60.00}. I again checked to be certain they had the new account information. Approximately 10 days later, I received a letter from the creditor stating that they had received a returned payment communication from US Bank, and the payment was denied. I immediately contacted the same branch manager to see what the problem was. She told me there was no copy of any returned statement by them to the creditor since US Bank does not keep copies of returned payments on a closed account. However, the {$60.00} is missing from my new account. 
Both the creditor and I believe that the new account was used for the payment. The branch manager insists that since she can not find a copy of a returned payment, the old account must have been used. I find no reason to believe the branch manager as the {$60.00} is still missing, and to whom did the bank release this money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I made a payment to pay off my us bank credit card in the amount of {$12000.00} and us banks system decided to take that payment out twice. So they overcharged me {$12000.00}. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait XXXX5 days for the {$12000.00} to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my account to start with, I never athorized {$24000.00} only the {$12000.00}. I have been on the phone for over 2 hours now trying to find ways that they can give me my money back. They just keep saying thy can not do anything. i am very very upset that they first off took that much money from me and second telling me they wo n't give it back to me right away. Thy will not release my funds for at least XXXX5 days and are not willing to do anything to fix the mistake their system made.

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 2016-10-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2016 Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Office XXXX Department XXXX XXXX, XXXX XXXX Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX RE : Illegal XXXX Bank Business Practices To Whom it May Concern : 1 ) In XXXX 2016 XXXX Bank refused to honor the advertised {$120.00} Power Up checking bonus. In fact, on or about XXXX XXXX, 2016 representative XXXX XXXX falsely claimed that the consumer did not meet the requirements of the offer, despite evidence to the contrary. 

2 ) The consumer applied for a XXXX Bank business credit card on XXXX XXXX, 2016. In response, on XXXX XXXX, 2016 XXXX at XXXX Bank Cardmember Investigative Services closed without cause and seized the reward points from the consumer 's XXXX existing XXXX Bank credit cards and XXXX credit card issued by XXXX XXXX Bank in the State XXXX. The consumer 's credit history is excellent, as evidenced by several targeted offers and credit line increases extended by XXXX Bank during this period. Moreover, these closures are illegal under XXXX Law : XXXX. Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so. 

3 ) As of today, XXXX Bank has neither acknowledged nor addressed the consumer 's XXXX XXXX, 2016 formal request to reopen the accounts and restore the associated points. 

XXXX bank has demonstrated a pattern of malicious and unlawful behavior designed to fraudulently deprive the consumer of accumulated cash rewards. 

Thank you for your consideration of this consumer complaint. 


Sincerely, XXXX 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 explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank keeps reporting inaccurate information about an auto lease I had with them. The date of first delinquency was on XX/XX/2010 ( Please see attached old credit report showing the date of first delinquency. ) It has been exactly 7 years since the date of first late and this debt show no longer be reported. I have been submitting supporting documents showing the mistake but they keep ignoring my request to correct and now completely remove the account. US bank is doing everything and anything to delay the process and not remove this collection as they should. I have contacted US bank directly and submitted documents 4 times already and at least 6 times to XXXX. Every time it 's the same reply that the debt belongs to me and is not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Nationwide Credit Corporation
State: TX

Complaint narrative:
I am XXXX XXXX military, and as such I fall under the protection of the Soldiers and Sailors Civil Relief Act ( SSCRA ). SSCRA states that I will not be charged property taxes on a vehicle I own from another state. There was an issue regarding my tax waiver with the state of Virginia to get it waived for last year 's tax cycle, but I was able to resolve it last month. However Nationwide Credit Corporation in XXXX VA, the debt collector hired to get this tax, is still saying I owe them money. It is in complete violation of federal law, and state/county accepted policies. I have told them multiple times about the law, about how I have saved correspondence with the county saying I do not owe anything, etc. Yet they continue to harass and threaten me that I owe them money ... despite the fact that federal law and the tax collector 's office in XXXX county VA says otherwise. I have saved correspondence between the XXXX, NCC, and myself if you wish to 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 2017-01-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP
State: TX

Complaint narrative:
us bank calls me multiple times a day for my husbands debt. says they wont talk to me but continue to call be 5 to 6 times EVERY DAY! they will not stop even after my husband has explained to them when they will get paid ( he lost his job 3 mo ago and just started a new one this week )

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 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: OH

Complaint narrative:
I sent a certified mail on XXXX XXXX 2015 to National Recovery Agency in reply to a letter I received dated XXXX XXXX, 2015. My letter I asked them to please validate/verify this debt ; I was well within the 30 day period. They responded with a " Itemized Bill that I requested " I do not owe any money to this company. This is just ridiculous. I pay for my private health care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). 
Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation