vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX to apply for a refinance mortgage because it was advertised in TV that XXXX encouraged all veterans to apply for the XXXX loan. My husband and I are both XXXX veterans. We served during the XXXX era, and wanted to apply for the loan. I talked to XXXX XXXX, licensed XXXX specialist, and he ask me information about our condo, mortgage payments, insurance, and incomes. I provided him all the required information for the loan application. Apparently, he informed me that he needed to do a credit report in order to check whether we qualified for the XXXX loan. Unfortunately, he informed me that I did n't qualified and also denied the loan due to 150 days late with Wells Fargo mortgage loan. XX/XX/XXXX, Wells Fargo was paid off in the amount of {$290000.00}. Currently, my credit report still shows that I was 150 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Wells Fargo. I tried more than three times to contact, XXXX XXXX XXXX, Executive Resolution Specialist, and also left a complete message to contact me, but she never returned my call to discuss about the inquiry. She lied about unable to connect with me. XXXX XXXX never mentioned that I had to pay Well Fargo attorney fees which was included in the {$290000.00} that was paid in full XX/XX/XXXX. According to the email dated XX/XX/XXXX, my former broker had email me about his conversation with XXXX XXXX, that an amount owed was {$16000.00} plus attorney 's fees. Wells Fargo attorney was XXXX XXXX XXXX. We went through financial hardship due to the furlough, and it was taken to consideration. Unfortunately, Wells Fargo placed us in a much more burden when they threaten foreclosure on the XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX had to answer to the foreclosure Notice. According to XXXX XXXX, Executive Resolution Specialist, the foreclosure action reported on XX/XX/XXXX, will remain on the credit report as part of the loan history. Apparently, this will deny all my loan borrowing and disqualify us. Subsequently, my credit rating still shows a delinquent of 150 days, and is affecting my loan borrowing. In the past, Wells Fargo had harassed me at work, home, and even in emergency room. In the past, I had ask XXXX XXXX XXXX why Wells Fargo, would call my home phone number frequently dawn to all hours of the night. This is not a matter of confusion and frustration. Wells Fargo is too harsh to customers like me and in the future do not threaten, harass, or cause conflicts. 
Finally, XX/XX/XXXX, Wells Fargo had charged for bounced checks in the amount totaling {$660.00} due to systematic computer error.

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 2016-07-16 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: Bass & Associates, P.C., Attorneys at Law
State: OH

Complaint narrative:
I have a a unverified account from Bass & Assoc. I had previously disputed this account with XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Bass & Assoc Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Bass & Assoc Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Borrower submitted several RMA packages to US Bank over the last year + and file continued to be closed due to timing out. He had to escalate to a local Branch Manager before the file was re-reviewed. No decision made on the file, other than incomplete package or documents timing out. After Borrower started working with me, his Housing Counselor, this issue continued with submission of package on XXXX/XXXX/2016. I have documented that a complete package was received by the Mortgage Assistance Point Team several times, but still the initial review has not been completed. After initial review by Processor, they requested missing items. However, after carefully reviewing individual pages with MAP Rep. on XXXX/XXXX/2016, there was no missing pages to bank statements and non-borrower contribution letter was complete with specified amount. File escalated internally, but did not result in review. As of XXXX/XXXX/2016, the Processing Dept. had not reviewed the file again. However, it was indicated they were running behind. On XXXX/XXXX/2016, the Processor closed the file due to aforementioned items not being cleared. I had to resubmit RMA and supporting documents on XXXX/XXXX/2016. Verified on XXXX/XXXX/2016 that file was open and under review. However, on XXXX/XXXX/2016, it was explained that the Processing Dept. has not yet reviewed the file. I again requested Escalation. As of today, XXXX/XXXX/2016. the file has not been reviewed by the Processing Dept. However, notes indicate an Escalation was put in on XXXX/XXXX/2016 and the Supervisor has been out of the office.

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 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I lost my job XXXX 2016. Was on unemployment. In XXXX I contacted US Bank mortgage advising them of my job lost. Had problems back then getting anyone to return calls. Had to file complaints with anyone I possibly could. I finally filled out paper of a reduced mortgage payment plan and was approved thru loss mitigation in XXXX XXXX XXXX Was suppose to be able to start with no payment in XXXX 2016. Receiving bills stating I am late on my payments now and need to pay {$900.00} plus dollars to avoid foreclosure. Have tried contacting my case manager XXXX several times. We played phone tag. Now I am not getting any return calls from her or anyone at US Bank. Left messages XXXX XXXX 2016 for XXXX and on the main phone number. Also wrote Us mortgage on XXXX XXXX XXXX am tired of dealing with them. This is my home we are talking about. They do not want to work with me. Which is very wrong!

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 2015-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: AZ

Complaint narrative:
NPG National Principal Group XXXX has been calling my cell phone several times a day leaving screaming messages, threatening to use any means necessary to find a family member of mine. They use a recording to state the family member name they are looking for but the rest of the message is live. They state I need to call them right now and provide them the information they seek regarding this family member or they will continue to use any means necessary to locate this person. I called them, a woman answered when I asked for her name and her company name because she just picked up the phone with " hello '' she began screaming at me wanting me to give her my cell phone number. I told her I was n't giving any information until I knew who she was and what company. She said XXXX and NPG. I asked what NPG stood for and she screamed at me stating I needed to allow her to assist me by giving her the information she asked for or she would disconnect. She stated I better let her assist me or she was disconnecting then counted to XXXX and hung up. I called back she answered again. I told her she could tell me what her company name was and why she would be looking for a family member or I would not help her. She then said she could not tell me the " plethora '' of things her company did. I asked what NPG stood for and she finally gave me National Principal Group. I again asked why they would be calling me about a family member. She stated she could n't tell me that until I gave her the family member name or my cell phone. I told her I ca n't give her anything until she tells me what her company does, she again refused to tell me what her company does. I said well then I ca n't help you with the information you seek from me and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
on XXXX/XXXX/2015. i obtain a copy of my credit report and I saw an inquiry made by a company name mid america Bank XXXX XXXX I called the company in XXXX, but they refused to cooperate. The company has engaged in identity theft and has pulled my credit without my consent. I have not applied for a credit card, nor try to obtain any goods from this company. So I decided to file a complaint, The inquiry shows up onXXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2016 US Bank Home Mortgage received a check from me in the amount of {$99000.00} to pay off US Bank home loan # XXXX. Instead of immediately processing the payment and applying it to my account they sat on the check and it was applied to my account on XX/XX/2016. As a result they collected additional per diem interest from me in the amount of {$11.00} per day. I can understand it taking them 24-48 hours to process a payment but they allowed 4 business days to pass plus one weekend.

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 2015-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Innovative Mortgage Services, Inc.
State: CA

Complaint narrative:
Complaint Description : Possible fraud on multiple federal loan applications by Innovative Mortgage Services and their broker, XXXX XXXX I submitted two loan applications with XXXX XXXX, of Innovative Mortgage Services, who told me that I had been prequalified for XXXX ( XXXX ) 25 % loans with XXXX for investment properties in XXXX, FL. Each property is under contract for purchase of {$150000.00} each. I was denied the loans that I was " guarenteed '' by XXXX but qualified for loans not discussed at anytime during the loan process. XXXX XXXX stated that he tried to " trick the bank '' by getting me a different loan by a method that he was not willing to disclose. He also told me that he had withheld information from about my loan application from me and what I would as qualify for. I feel he was not only dishonest but failed to disclose all relevant information that he is required by law to inform me of. I attempted to contact his supervisor, XXXX XXXX, on XXXX XXXX and have yet to receive back from him. I have informed XXXX XXXX XXXX XXXX in Florida of the situation and they have immediately brought this to the attention of the bank president and are currently conducting their own investigation. Contact info for XXXX is XXXX XXXX XXXX XXXX XXXX behavior has been unethical and illegal. He knowingly withheld information from me and lied on a Federal XXXX. I addressed these claims to him and he admitted guilt to me on the phone on XXXX XXXX, 2015. He told me to " take the loan or find someone else. I have also contacted XXXX of the situation and they are also conducting a similar investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I reported a fraud claim to US BANK on XXXX/XXXX/2016. Their policy is to provide provisional credit in 10 business days. They have yet to do that and they have n't sent me anything in the mail regarding paperwork, etc. 
I have spoke with them on numerous occasions up until XXXX/XXXX/2016. 
Nothing has been resolve.

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 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
no business.. 
I called several times to ph:XXXX and expected amount inside my checking account XXXX usd, nothing was like deposit since Friday XXXX until today XXXX. Teller said they can not help me, I need to travel to local branch office in XXXX, XXXX-I am in XXXX, XXXX, because I do not know the pin for my d.card:XXXX, exp.XX/XX/XXXX.I can not go walking, without car, and they refused to tell me account number by phone or to inform XXXX XXXX for info for deposit . Always advises : do this, do that, until I received in XXXX XXXX XXXX. The office in XXXX, XXXX is refusing me new opening for checking since XX/XX/XXXX.I always fixed somebody 's mistakes, last negative balance which I paid in XX/XX/XXXX was from Gold 's gym -extra charges from us bank account-4-5 times over the membership money for 2 months paid from my friend. So I fixed it.No wi am circling town-nothing is possible, she said : " go and do it on line '' but -I am answering, I am calling, because I ca n't do it, for exmpl. : if I am in XXXX, I do not need her advise to check something in us bank in XXXX XXXX, she misunderstood, last time before now XXXX. from XXXX answered. Apology! 
I am tired to be returned, to waste time, to loose money walking, no business is possible between us. On line is sounding : 'he never will send you this money, he is without money '' -so it is XXXX refusal and the end-XXXX job. I plainly paid XXXX purchase treadmill since XX/XX/XXXX and 3 weeks I can not receive my money back. The main amount XXXX usd sent from my mom, XXXX, XXXX to see me in XXXX after 14 y. I am in this XXXX XXXX.I lost more than half of the money in fees, charges, refusals, deposits cash-money in advance, holdings, delays, gas, etc. Pls, do not return customers, if possible.

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 2015-12-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
On Sunday XX/XX/XXXX I purchased a bunch of {$200.00} mastercard gift cards at XXXX. When I tried to use them on XX/XX/XXXX, XXXX of them had been hacked. This is absolutely negligence on the part of US Bank. They know how easily their cards are to hack and this is not the first time this has happened to me. When you try to file a claim with them, they put the whole onus on you to prove that you didnt make the charge. I 've even figured out how they are being hacked and have offered to explain this to the bank but they do n't care. I should n't have to wait months for US Bank to repay me. Please help me ( the consumer ) not get taken advantage of by these banks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I bought couple of prepaid cards at XXXX in XXXX, TX around XX/XX/2015. When I checked the balance couple of days later I found unauthorized charges on these cards. Someone had called and registered those cards in their name and made few online purchases. 

I called issuing bank on XX/XX/2015, they said they will send an affidavit for me sign so they can start investigation. I was told the affidavit would arrive in XXXX days, but it never came. I called again on XX/XX/XXXX, they took a fresh complaint and said the affidavit would arrive in XXXX days. Again no affidavit. I called again and again and again ... .. Finally affidavit arrived on XX/XX/XXXX!. I filled and faxed it the same day. No response from them so far. 

My funds are stuck for XXXX days. BTW, the issuing bank is U.S. Bank and the card type is Master Card ( Gold colored ). This is what they told me : certain prepaid gift cards in similar situations would first refund the money to the consumer and then they do their investigation, but not with this card. So, stay away from these type of cards ( US Bank National Association issued Master Card gold colored prepaid card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to 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 2016-05-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am the President of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OR XXXX. XXXX XXXX was abandoned by the owner and she stopped paying assessments to XXXX XXXX effective XXXX XXXX which now total almost {$10000.00}. The lender secured the unit and filed a Notice of Foreclosure on XXXX XXXX, XXXX but has failed to complete the foreclosure.

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have had an credit card account with US Bank for a few years. I wanted to add my husband to the account as an authorized user.We filled the paperwork out two times at the branch. 
On or around XXXX XXXX, 2016 a representative from US Bank called to explain that we would have to reapply for a credit card with a joint account. I asked if it would hit my credit and said yes. I told them absolutely not and withdraw the application. Both my husband and I have fraud alerts on our credit files. Even though I told US Bank no, they ran both of our credit on XXXX XXXX 2016 through XXXX. I have called the bank and they told me I have to write a letter containing my account number to The credit bureau disputes address. We have been a victim of fraud and I will do no such thing. US Bank need to remove the unauthorized hard inquires from our credit reports.

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