vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AmeriCollect
State: WI

Complaint narrative:
On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: TX

Complaint narrative:
I bought a car from drive time XX/XX/XXXX. Paid really good till about XX/XX/XXXX I told them I could n't afford it and would like them to pick it up. I talked to them several times and always wanted me to keep it and they would work it out. I stopped taking there calls and they would email me to contact them I would always reply please just pick it up. I would have dropped it off but I could n't get it to start. They finally picked it up last week. The whole time I had the van I saw nothing on my credit report. Till the day after they picked it up ( I kept it insured the I entire time ). I was looking on line and saw the last suit they just settled. I do n't know if Texas was included and I did not read all of it. But from what I read they are still doing the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have XXXX & XXXX mortgage w/ US Bank . Unlike others I have a much bigger XXXX mortgage than XXXX. When I went through hardship for few years and tried modify my loans several times but my income is high for the XXXX mortgage to consider modification and got rejected ,XXXX mortgage will not even review my modification package without being able to modify my XXXX. So I was going circle very frustrating without being able to have US bank to find someone to look at my whole situation even after several attempts to modify my loans with submitting detailed letter. Their XXXX and XXXX mortgage is like XXXX different banks who does n't care each other or their consumer 's situation at all.Finally had to filed chapter XXXX few days before the foreclosure court date in order to avoid foreclosure from the XXXX mortgage. While my case in the Bankruptcy, Going through same circle and finally had XXXX mortgage to review my file for the XXXX time, but while I was waiting for their appraisal to come through they send a notice for rejection and by the time I received the notice, responding dead line is already passed. That was so frustrating experience, after waiting XXXX years to have my second mortgage to review my file and got rejected for refusal of appraisal while I was waiting for their appraisal set up to go through week after due to their appraisal 's schedual. 
Received their notice passed their dead line to respond. 
THAT WAS QUITE AN EXPERIENCE HOW BAD THEY NEGLECTING ON THIS CASE. 
I even overnight to responds on their refusal but only answer came back was just resubmitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Principal Group, LLC
State: CA

Complaint narrative:
NP Group has been calling my phone and leaving threatening voicemails. I only know that they are a debt collector from my online searches. The message says that this is a location and tracing effort on the whereabouts 'my name ' with the last four digits of my SS #. They said that they are allowed under law to contact all references in my file including friends and family. It also indicates that it is imperative where I am this person or not to contact them immediately or action will be taken. I called them back twice and they will not give the nature of the call only that they are a third party interest and need my location. They said they would not cease calling me and would start calling my family members if I did not confirm my exact location and give them my social security number. I 've checked my credit report and there has been no action from this company. I have no oustanding debts and my loan ( car ) is current. They operate under ttwo numbers 1 ) XXXX or 2 ) XXXX. Their address : NP Group, XXXX NY XXXX. They are not registered wth the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX/XXXX/15 I deposited a {$5000.00} check into my checking account with US Bank on XXXX XXXX, XXXX California. I noticed that US Bank charged me with XXXX overdraft charges on XXXX/XXXX/15. My account balance was close to {$8000.00} on XXXX/XXXX/15. I have had several issues with this bank within the past 6 months and I am constantly fight with them to have them reverse these charges. I talked to the branch manager and he said it was not a bank error. he refunded XXXX overdraft charge and XXXX remains. I spoke with an assistant distric manager and she said that she had to support his decision. I disagree and want resolution to this issue. If I have money in the bank, why am I paying for overdraft fees??? The address is XXXX XXXX XXXX XXXX, XXXX ca. XXXX the contact # is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC
State: MN

Complaint narrative:
I was contacted by phone from the NP Group ( XXXX & XXXX ) asking to speak to XXXX, ( my daughter ). They claimed they were collecting a debt against XXXX. I said I knew nothing about it. This is a intrusion of privacy, I am on the National do not call list and yet they call. I do not know how they got my number. My daughter contacted XXXX XXXX and they validated the fact that she did not owe anything and that this is a scam. XXXX lives in Tennessee and is filing a claim with the state there for the same reason. If you check on line you will see that this company has a long record of this type of behavior and bad business practice. What can be done to protect our citizens against this type of business practice? 
This is a continuation of my claim dated XXXX/XXXX/2016 that I submitted. On XXXX XXXX received a call from a company called XXXX ( XXXX ) that threatened her with the filing of a formal complaint against her for bank fraud and collection of a delinquent debt. She tried to get information on the company but they hung up on her. At XXXX I was contacted and asked to call XXXX regarding the whereabouts of XXXX, I called them but they would not provide me any information about their company, they proceeded to hang up on me. At XXXX today my son ( XXXX ) received the same call, he did not respond. At XXXX our home received the same call ( and I have it on my voice recorder ) and we did not respond. XXXX contacted the FTC and filed a like complaint ( ref # XXXX ). If you check on line you can confirm that the phone numbers they are calling from are real and are being used by scammers. What ca n be done to protect our citizens against this type of fraudulent business practices? We will help in any way we can. 
I am attaching the formal complaints that we have filed with the State of Minnesota along with what their coarse of action is. These provide more information than I typed in this box.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for {$18000.00} with a {$1000.00} deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year and my current coverage is the same and was accepted when I took out the loan. My loan balance is only 60 % of the appraised value. The representative told me if I did n't change the coverage amount or deductible they would not accept my policy and force place coverage and increase my monthly payment.

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 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
We Filed a chapter XXXX XXXX, every since US Bank has purposely tried to undermine our mortgage with deceptive practice. They refuse to give amortization of loan since XXXX to date. Giving false principal amounts, and claiming they only have XXXX amortization because of the modification they done, which we never seen nor signed nor heard of, this their basis for taking over the escrow, they refused to send escrow check to pay taxes in XXXX like before bankruptcy claiming we authorized them to pay our taxes which we never did prior to bankruptcy, we have always paid our own taxes. Since they took over our escrow they lie claiming taxes are paid on a specific day for example this year US Bank claimed they paid our taxes on the XXXX of XXXX but in reality they actually waited until the end of XXXX XXXX to pay at the last minute, last year they paid XXXX XXXX, XXXX. This has happen for three years while we were in bankruptcy. Now their new tactic is they are not reporting our mortgage account to the credit bureau and has not going on 4 years during and after discharge of Bankruptcy which was XXXX XXXX, XXXX to date Us Bank home mortgage has not reported our account to show we are up to date in our credit report. Can Something be done about the way they continue to deceptively handle our mortgage lying about modifications when there was none just to take over our escrow account and then not report to credit bureau and refusing to give amortization of original loan history from XXXX through XXXX claiming they do n't have it. We want our amortization loan, payment history, and true principal balance of what we actually owe, and see actual payment history of payments from court applied during Bankruptcy, because principal is incorrect since XXXX to XXXX. Plus they owe us a refund for late fees charged during bankruptcy because those fees were included in arrears paid in full and such fees were suppose to be submitted to the court when asked at such time.

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 2015-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: National Principal Group, LLC
State: FL

Complaint narrative:
We have repeatedly received calls from the NP GROUP out of XXXX, NY for a debt that that they claim is mine. I confirmed with them during one conversation that the debt was not and could not have been mine. The lady said she made a note and that they would stop calling. They have not. Furthermore, I have contacted the bank for whom they claim to represent and confirmed that there is no record of this debt existing. 

XXXX, ny np group

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Approximately one year ago myself and my son both opened a savings and checking account with US Bank. I am a XXXX, and my son XXXX. 
In XXXX 2015 my son inadvertently deposited a check into my savings account without my knowledge for {$2200.00}. US Bank DID NOT place a hold on the check and my son withdrew all the money and spent it, again without my knowledge. On or around XXXX XXXX, 2015 the check was returned unpaid and stamped refer to maker and, the account was overdrawn over {$2000.00}. My social security benefits and pension check are automatically deposited into my checking account. When the check was returned unpaid I had {$700.00} in my checking account and US Bank transferred that money into the overdrawn savings account. I learned about this when I went into one of the branches to cash a check for cash. The teller told me that the savings account was joint with my son, and they had right of offset. I never added my son or authorized anyone to include him as a joint signer. That would make no sense as we both had our own accounts. 
On XX/XX/2015 when my social security benefits and pension were deposited into my checking account, US Bank would NOT let me withdrawal any funds until the overdrawn savings account was covered. 
I am almost XXXX years old a XXXX Veteran, a widower, and fighting XXXX. My social security and my pension are my only source of income and what I rely to live on. 
I feel I should NOT be responsible for something my Son created and, I had no knowledge of. 
I reaching out to CFPB because US Bank will still not let me have access to my money. 
I thank you in advance, and look forward to some assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
I disputed with the creditor directly ( see attachments ), in XXXX, XXXX. Received letter dated XXXX XXXX, XXXX, in regards to dispute. Letter states account is being reported correctly. Account was " updated '' within credit reports, yet the information reporting is now more " incorrect '', than before. 
I contacted creditor on XXXX XXXX, XXXX, in regards to paying off my account. I was informed the account was already closed. This is when I decided to pay the account in full. Account became late, due to divorce proceedings. Creditor waived late fees, as well as interest accrued. Account was closed by credit grantor, not by consumer, as being reported. Also, the opening date of account varies. Date of status is incorrect, as final payment was received XXXX, XXXX. Recent payment is no longer reflected in report, and is reporting paid and closed. Also, in original letter to creditor, I emphasized any and all contact to be conducted by postal mail. Creditor is asking for me to contact via telephone, after the fact of notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
The reason for my complaint is because I have requested for Advanced resolution service to freeze my file on several occasions and they have not frozen or responded to my written request. I need my file frozen ASAP

Company response to consumer: Closed
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I used my credit card with a PIN not knowing it was a credit card transaction. I was charged hundreds of dollars in cash advance fees. I cancelled the card and paid it off prior to the due date and they charged me another 30 days worth of interest on the entire balance. The first time I called to rectify it the man I spoke with insisted it was correct and it was being charged at a periodic daily rate. I then calculated the interest on my own to prove they charged me for another 30 days. I then called back and the represenative told me she was going to waive it. I am reporting this so that other consumers are not abused by their interest calculation methods. XXXX and First Bankcard.

Company response to consumer: Closed with monetary relief