vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Through a nasty divorce, I was awarded the family home which was in serious default. My ex ceased making pmts XXXX. I was out of state due to my father 's death ; my ex started drinking heavily ; and landed in jail for 5 months. I filed for divorce XXXX & the judge restricted my ex from the house. I was living with my son for personal safety. The house was vacant XXXX - XXXX when I moved back in after being awarded the house in the divorce. I first went to HUD in XXXX to work with a representative on how I could keep the house. In XXXX XXXX, I tried to reach her and found out she was no longer there! At that same time, US Bank assigned a Relationship Mgr to be my point of contact while requesting pmt relief/modification. XXXX, I was assigned another Relationship Mgr! Since XXXX, the only communication from either of these XXXX Relationship Mgrs has for me fax the same documentation that I have faxed numerous times before! No one will tell me the status ; what the next step is ; nothing! And then when questioned, I was told US Bank will not put in writing the process or time frame! And now I find out I have to start the process all over again because I did not receive a packet the Relationship Mgr was to send me in XXXX XXXX and never returned my calls letting her know I had n't received it!! I have even rented out XXXX bedrooms in the house since XXXX as well as the shop! And have provided over & over again proof of this by way not only bank statements but copies of the checks! The interest rate is 8.9 %! 
I need to be able to speak to someone that can help me. I have done everything they have asked of me and I ca n't get any of the same courtesy back. If they are n't willing to help me, then they need to let me know so I can go on with my life. It 's the not knowing that has added for much stress and it 's effecting my health. Can you imagine living in fear that XXXX day there will be a knock on the door and being told you have to vacate? I live with this daily and my boarders ca n't sign a long term lease because I DON '' T KNOW WHAT IS GOING TO HAPPEN! I truly believe you are my last resort. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
XX/XX/2017 As you know, I have reported my identity was compromised. 

Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC. 

I asked that the charges be taken out of my billing. 

Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We were deliberately misled by US Bank about the amount of time required to fund this loan. The loan originator -- despite his failure to " recall '' this -- told us that the loan process would be completed within 30 days. We scheduled a real estate closing and renovation start based on his misrepresentation. The loan process was initiated on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and there still is no word from US Bank on whether the loan has been finally approved.

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 2015-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Associated Credit Services, Inc.
State: NH

Complaint narrative:
Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
Credit card company changed terms and conditions of benefits offered immediately after I paid the annual fee. Previous terms allowed for XXXX free night after a minimum of a XXXX night stay, essentially allowing a XXXX for XXXX, or 50 % reduction in points needed on any properties. The new offer only allows for XXXX free night per calendar year on US properties only. This change has devalued the points and I would not of paid another annual fee had I known this would happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XXXX XXXX, XXXX and XXXX XXXX, XXXX I 'm requesting a reinvestigation of a dispute related to my credit. Unfortunately this dispute was not resolved as provided by law. Only was removed the account XXXX # XXXX****based on the XXXX and the Consumer Financial Protection Bureau ( CFPB ) settlement announced at XXXX, XXXX to resolve allegations that XXXX XXXX XXXX Bank XXXX known since XXXX XXXX, as XXXX Bank XXXX Other account with the same condition of the removed account, XXXX XXXX # XXXX, was not removed. I am also requesting that the information be updated immediately because is not done despite my multiple re investigation requests. This irresponsibility on part of the Equifax caused me several emotional, economic and job problems despite having few rights under the Fair Credit Reporting Act. As you requested, I, m enclosed additional relevant information that support this dispute.The XXXX and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not properly investigated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency. 

Another situation with those accounts is that the information reported by XXXX is completely inaccurate, and is a very serious error in reporting. As you can see, the provided information is incomplete or is incorrect. Is contradicts information in several areas of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
A XXXX Bank in XXXX cashed a check we sent our nephew for XXXX in the amount of {$25.00} and they also debited our account an additional {$990.00} that was on a completely separate payroll check written by a XXXX XXXX XXXX from XXXX, this check shows up in the image of our check provided by our bank. I have attacheded a copy of the image of the check provided by our bank. Our bank ( US Bank ) here in XXXX, XXXX removed the funds from our account to pay the check. We have nothing to do with this second check except that the funds were drawn from our account. I contacted the local branch of US Bank and explained what I thought happened and was told that it would have to be referred to their back office. When I asked how long that would take they said they did n't know but would call back when they had a better idea, no apology whatsoever. We are leaving the country in two days and wo n't be back for a month, I told them this and indicated that I wanted them to expedite whatever action they needed to take to get the money back into our account before we left town. I have n't received the promised call back and we have exactly one business day left before we leave for our trip. I do n't know who should be responsible for returning the money but they have taken a very nonchalant attitude about the entire mess, meanwhile we are out {$990.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We were notified in a letter from U.S. Bank that a credit card issued to my wife had expired. Neither my wife nor I applied for that credit card, which I was told by a U.S. Bank representative, was opened in XXXX. I am shown in U.S. Bank records as an authorized user of the account, but it is my wife 's name. She has never applied for a credit card solely in her name since we married almost 35 years ago. 

We do have an existing credit card with U.S. Bank, which we think was first opened in XXXX, that is a different number than the XXXX identified in the letter.

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My husband and I applied for the USBank Visa FlexPerks card under the XXXX promotion this past XX/XX/XXXX but have been denied the incentive FlexPerks points. We applied online on XX/XX/XXXX after having previously ( within a couple of days, if not even the day of our application ) talked on the phone with a cardmember service/customer representative who informed us, after our explicit inquiry, that we were definitely eligible for the promotion. After not receiving the points, we inquired as to why. The response from USBank was that we did not apply using a particular promotion link. When we on the phone with the USBank representative, we were not directed to use such a link. Even so, we did click through the dedicated promotional page, if not the promotional link, to find and fill out the credit card application. 
USBank 's argument was that the company often has multiple promotions running at once and that they would not be able to say for sure that we applied under the XXXX promotion. However, we applied during the designated timeframe for the XXXX promotion and have a call on record indicating our intent to apply for that card. After requesting that cardmember services pull the call we placed prior to our application, the cardmember service manager refused to take action by reviewing the call because it " was n't associated with the particular credit card account. '' It 's upsetting that they will not pull the call, which will clearly indicate that we intended to apply for this specific promotion ( and that we subsequently did apply for the card through which the promotion was offered ) even though my husband and I have two other cards with the bank, and my husband has been a USBank customer for some-20 years and, as such, our call would be accessible, if only associated with a different card or the account more generally.

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 2016-01-19 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Purchased prepaid card on XXXX/XXXX/XXXX from XXXX. 
Did not use card until XXXX. 
Apparently someone else used the card number in XXXX to purchase goods or services AND registered this card number under their own name. Called issuer on XXXX/XXXX/XXXX. Issuer was vague and unresponsive. Suggested I fax in supporting documents, which I did on same date. 
It appears that this card number may have been issued twice. 
Issuer has failed to respond to my fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
After my home was destroyed, I sent a large check to U S Bank Home Mortgage to pay off my mortgage, and asked them to return the remainder to me asap. After paying off the mortgage and after the check had cleared the bank, U S Bank Home Mortgage still insisted on holding the remainder of my money for three more weeks. There was never an escrow account with them, and I can see no reason for them not to return the money to me in a timely manner. The only answer I can get from them is ... .that is their " policy ''. The destroyed home needs to be bulldozed and rebuilt. That is three more weeks for a dangerous structure to stand and attract mice etc. The neighbors need to be considered too. If there was a reason other than " policy '', perhaps I could understand, but there does n't seem to be. There has never been a late payment or any problem caused by me for U S Bank Home Mortgage.

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 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a loan with US Bank and refinanced and closed on XXXX/XXXX/XXXX. The appraisal for the XX/XX/XXXX refinance was {$380000.00}. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On XXXX/XXXX/XXXX, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on XX/XX/XXXX per the current market was over {$500000.00} and my loan balance was {$310000.00}. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for {$150.00} such that my new LTV was based on current market. She gave me a fax number and email to submit my request to. Upon submitting my request I received a canned text letter back stating the LTV must be XXXX % of original loan value and that HUD does not take into consideration current market value of property. That it 's based solely on the information from closing ( which would be the XX/XX/XXXX old appraisal amount of $ XXXX ). I let the issue go then recently logged into my account and noted that I am now well below the LTV they previously indicated I needed to be to have the PMI removed. Do you think they went ahead and proactively removed it!? NO, of course not. I placed another call and the representative I spoke with again mentioned and questioned why I had n't paid the {$150.00} for an updated appraisal. He said he would contact the PMI department, have them send me a packet in the mail and that I should review the packet and see if I can find anything related to the appraisal option. So I waited for the packet to arrive ... Instead of a " packet '' arriving what I did receive was a XXXX page letter indicating that I 'd met the HUD requirements for terminating the monthly MIP and that they 'd notify HUD and update my monthly payment amount. I would like to be reimbursed for all months they charged me MIP from XXXX/XXXX/XXXX to todays date. It was I that proactively reached out to them several times requesting for it to be removed yet they A. ) did n't give me the appraisal option such that the value was based on current market - as they apparently have for other customers and B. ) continued to charge me the last few months for MIP when I was already at the level they outlined in their letters.

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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Since XXXX, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all XXXX of my credit bureau reports-XXXX, and XXXX. I first disputed this issue with US Bank directly before submitting my online disputes with the XXXX, and XXXX 

I spent approximately {$40.00} in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of {$2000.00} with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports. 

I have exhausted my efforts with disputing this directly with the creditor, and the credit reporting agencies. It keeps coming back as verified. This is unacceptable and I would highly appreciate it, if US Bank would remove their credit card account off of my reports immediately. 

This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. 

I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. 

If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. 

I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of {$2400.00}. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. 

Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority.

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 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: California Accounts Service
State: CA

Complaint narrative:
I am extremely disappointed with XXXX XXXX XXXX. Over 6 years ago I had work done at with XXXX XXXX of XXXX XXXX XXXX. They always told me they would work with my insurance company on payments. After 8 months they sent me the first invoice, a past due bill and threatened to send me to collections. I worked hard to settle with them even up 1.5 years after the work was completed. They stopped communicating with me and now after 5 years they sent me to a collection agency for twice the amount. I called the collection agency to try and settle again and was told that XXXX XXXX did not want to settle and instead instructed the credit collections company to report it as a collection account to the credit bureaus. They wanted to have my credit score damaged. 

I do n't think this is any way to run a business. I offered to settle and they have decided to be spiteful instead and damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation