vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 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: TX

Complaint narrative:
I received a message on my voicemail that this company was " tracking '' me urgently. They stated since they left me that message they were legally allowed to contact any and all parties associated to me. 

That same day my dad and a family friend started receiving multiple calls of this company attempting to urgently track my whereabouts. 

Today I returned the call and they asked me to verify my information but would not disclose the name of their company or what their call was in regards to. They hung up on me when I pressed for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
This is the XXXX time I have tried to get U.S. Bank to clear up my credit report for my mortgage with them, I will attach my credit report from XX/XX/XXXX and XX/XX/XXXX, along with my last compliant, U.S. Bank was reporting on my credit report for 99 months, that is from the time I purchase my home XX/XX/XXXX to the present and with that it was showing that I was past due 13 times for 30 days and two times late 60 days but there was no dates for when the late payments happened. I have been trying to refinances my home since XXXX and was told by XXXX XXXX XXXX XXXX and XXXX XXXX Bank that they were reporting my home loan wrong and bringing down my credit rating. It has been more than 10 years since I have been late on my home loan. After make the compliant with you I received a letter from U.S. Bank that they had fixed the problem and are only reporting the last three years of payments on my house and it shows no late payments but it would take 30 days to show. I waited the 30 days and went back to the XXXX XXXX and they pulled my credit again and U. S. Bank does not show on my credit at all? My husband and the XXXX XXXX did a conference call with U.S. Bank to find out why it was no longer showing on the credit report and the person told them that I asked them to take it off? This sounds crazy if I ever have a bad loan that will affect my credit I can just ask them to take it off my credit report? I need my home loan to show on my credit reports so I can get my home refinanced. I fill like U.S. Bank is playing games with me and if rates go up before I can get this cleared up I fill they should be responsible. All I need US Bank to do is report my home loan correctly on my credit report, this should not be hard for them to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
The US Bank cancelled my Checking Account 's Overdraft Coverage without Notice because according to US Bank Manager, XXXX XXXX XXXX, XXXX XXXX XXXX, the US Bank knew that I could have changed my direct deposit funds electronically to another Bank .Additionally, Manager XXXX XXXX stated another reason for the Cancellation. He stated that the US bank letter dated XXXX/XXXX/15 was " computer made '' due to the XXXX " cycle '' and He did not have any responsibility to seek an immediate solution. Because of the US Bank decision to Cancel my Checking Account 's Overdraft Coverage It cost me XXXX minutes of cellular telephone minutes, {$30.00} dollars additionally minutes to keep my phone active and severe emotional stress harmful for my well being. As of Today, the US Bank FAILED to clearly explained their motives for the cancellation of the agreement while kept collecting all overdraft fees of {$36.00} per overdraft and {$25.00} weekly fees. 
Worst yet, the US bank 's Customer Services representatives including XXXX XXXX XXXX XXXX XXXX XXXX did not have knowledge on how to resolve this Cancellation knowing that the US Bank collected all fees, that the Overdrawn amount was secure by an electronic direct deposit scheduled for XXXX/XXXX/15 of {$1500.00} that covers the amount of {$720.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been a US Bank account customer for about 10 years. I believed most of the 10 years I paid and used the account with no problems. However due to a decrease in my income I sought help with US Bank and they said they were n't able to help lower my interest and or my monthly payment. I sought assistance with XXXX XXXX, a debt management company. XXXX XXXX charged me a fee of {$30.00} and I sent the fee along with the monthly payments they negotiated with the banks. However, after paying XXXX XXXX, I learned that my payments were not being received timely to my accounts, and that I was left with zero to even pay my necessary bills. I cancelled my contract with XXXX XXXX and contacted all banks myself. I was able to acquire a more reasonable payment plan and lowered as well as ZERO interest rate from the banks, except US Bank. US Bank claims that I can not cancel my agreement with XXXX XXXX and that I am required to pay US Bank the same amount {$190.00} that was negotiated by XXXX XXXX. In order to keep my home and not default on the mortgage, real property taxes, and homeowners insurance, I send US Bank what I am able {$150.00} which is actually more than what I can afford. In addition to my decrease in my income where I was forced to retire XX/XX/XXXX since my employer eliminated my job position, recently XX/XX/XXXX I was diagnosed with XXXX XXXX. I had the surgery on XX/XX/XXXX for removal of the XXXX. I have been trying to get US Bank to consider my situation before I have come to CFPB for help. I am in dire straits now as I only have {$11.00} in my bank account and I have had to go to the VA hospital for my follow up XXXX appts and I am feeling like things are very bleak. I do n't know how things are going to turn out now. I believe that US Bank is holding me to a contract I made with XXXX XXXX and this is not right. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX Banking to U.S. Bank as of XX/XX/2016. I had already made my mortgage payment for XX/XX/2016 on XX/XX/2016 to XXXX XXXX XXXX XXXX as soon as I received a letter saying my loan will be transferred I called and XXXX advise me that my payment and loan information will be transferred over to U.S. Bank. On XX/XX/2016 I started receiving phone calls saying my loan will go in default if not paid and after 30 days I will be reported to the credit bureau I did my research and when a loan is transferred it says that I have a 60 period before any late fees are accessed or any late notices reported to the credit bureau. I have been calling U.S. Bank in regards to this issue and they say they received the loan information from XXXX XXXX XXXX but never my payment for XX/XX/2016. I then had a manager from XXXX XXXX XXXX XXXX to call U.S. Bank and advise them that all loan information as well as the payment was transferred over on XX/XX/2016 the representative from U.S. Bank then advise XXXX XXXX XXXX to fax over the balance on the loan and the last payment that was received I was also advised to send over my bank statement where the funds were deducted on XX/XX/2016 for my XX/XX/2016 from my XXXX XXXX XXXX Checking Account the fax number that they gave me was XXXX. I called back 3 business days later and no seems to know where the faxed information that I sent over was and they did not receive anything I then asked the representative what happens with my payment and the response was we have n't received anything you would have to send another payment or you will go in default.

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 2015-10-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Well Fargo has repeated called my ex husband multiple times a day claiming my payment was late when I had confirmation from my bank that it was on time, and when I called WF back they confirmed that it had indeed been on time. They also delete online accounts XXXX if they are not accessed every ninety days, but do n't tell you this will happen, and then take two business days and a manual process to reenable accounts, and they refuse to provide statements/paper account summaries. They repeatedly confused my SSN with that of my ex husband, and repeatedly lost my email address -- the same one I 've had for years and which they 've also used to contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I own XXXX properties. XXXX is my XXXX CA home where I reside and the other is my XXXX CA home which I rent to a XXXX which I own. In XXXX 2015 I began working with US Bank in XXXX, CA to refinance my XXXX home in order to pay off the mortgage on my XXXX home. At that time I owed about {$25000.00} on my XXXX home and about {$360000.00} on my XXXX home. My wife and I have exceptional credit score. My loan officer never suggested that we would have a problem securing a loan. However, I was denied the loan because I wanted to much cash out of my XXXX home. The loan officer was well aware of my intended use of the money from the casjh out from a loan on my XXXX home. I believe he should have known about bank policy regarding the limits for cash out loan. He advised me that the underwriters denied the loan which may be correct. However, I should have known about bank policy before I agreed to an appraisal which cost several XXXX dollars. I believe that the bank should reimburse me for the appraisal fee and other expenses associated with my attempt to secure this loan.

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 2015-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
U.S. Bank changed the terms of my FHA loan to an Adjustable Rate Mortgage ( ARM ) loan in an effort to force me into foreclosure ( XXXX ). Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increased my mortgage payments " on paper, '' via the mortgage statements I receive from them, by more than $ 200/mnth dating back as far as XX/XX/XXXX. When I inquired about an urgent letter that I received from them in XX/XX/XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an ARM loan! When I was unable to pay the increase monthly payment amount, as refinancing and loan modification applications were being denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforcement to serve me with a fraudulent eviction notice in XX/XX/XXXX that stated I had 45 days to vacate the premises. Nevertheless, prior to missing any mortgage payments, U.S. Bank representative XXXX informed me that U.S. Bank would no longer accept my payment ( s ) unless my mortgage payment was for the full " adjusted '' amount being called due as a result in an increase in property taxes. And if I wanted to be eligible for a loan modification, after refinancing was denied, along with other previous modification applications for not meeting deadlines, current application info was " stale dated '', etc., that I must stop making payments in order for the hardship application to be approved. 

As a result, I, XXXX XXXX XXXX, request for U.S. Bank to provide all denial letters that were previously mailed out to me prior to me missing my XXXX mortgage payment that took place approximately in XX/XX/XXXX once I was informed by U.S. Bank representative XXXX that my payments would no longer be accepted due to the " acceleration clause '' that requires the full outstanding balance to be cured after an extended period of time has elapsed and their still remains an outstanding balance that is in arrears ; thus, gave U.S. Bank the legal right to not accept any payments that was not for the full outstanding amount, as such payments would be deemed a " partial '' payment that the acceleration clause gave U.S. Bank the right to refuse!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a home looan with US bank. they were the " second '' position.I ended up becomin permanently XXXX and tried and tried to get a loan modification with them but they took months and months, emailing me, but NEVER gave me an answer. the first mortgae. XXXX, was just about to forecloose so, I had to do a short sale. I wonder why US bank didnt offer me a loan modification??? this was back in XXXX the escrow closed on XXXX XXXX XXXX. I sure miss my house. also.. I thought green tree was supposed to give me " relocation assitance '' but they say no, because it wasnt a " short '' wit them. they say US bank would owe me the relocation. soo.. I would like the relocation fee and an answer as to why they NEVER modified my loan?

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 2015-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I applied for a HELOC with US Bank Mortgage Division at the end of XXXX. I strongly believe my loan request has not been given proper attention. I am a single woman and this may be a fair lending issue. Below is a timeline of the transactions : Disclosures printed XXXX15I provided the bank with all requested information by XXXX/XXXX/15. 
The appraisal was completed on XXXX/XXXX/15. 
On XXXX/XXXX/15 I was asked to submit additional income information, which was submitted on XXXX/XXXX/15. 
On XXXX/XXXX/15 I received a denial of the original request for $ XXXX with a counteroffer of $ XXXX. I called to accept and no one returned my call. I emailed my lender and shedid not return my email. After several days of no response I called the supervisor who didid not return my call but had the lender call me. The lender said it was still inunderwriting and the letter sent was just a letter they send out and not an actualapproval. She would let me know when it was approved. I returned the offer letter via certified mail with receipt by the bank on XXXX/XXXX/15. 
On XXXX/XXXX/15 my lender notified me to have my insurance add them as the second mortgage on my insurance. My insurance agent complied. I asked the lender when we were closing as they are adding a second mortgage to my insurance. She said I wasstill not approved. 
On XXXX/XXXX/15 I requested a status on my loan and my lender said she would check andlet me know. 
On XXXX/XXXX/15 I was determined to get someone, other than my lender, to talk to me and after being on hold for 40 minutes was transferred to my. lender. She said she would look into the status. Later the same day I received an email telling me I did not qualify and would have to payoff my car loan in order to get the loan. I replied stating the car loan had not changed nor did my income from the date I received an approval. 
So after 72 days from the day of disclosure the bank is denying me on income which was in their hands on 9 days after the day of disclosure. I believe this is a violation of Reg B requiring banks to notify customers of a denial within 30 days of a completed application. In addition they provided a letter of approval for $ XXXX and are now saying that letter was not valid. I have documentation and emails to verify all of the above information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
We are serious company who makes {$700000.00} gross revenue with a constant positive business account of {$20000.00} to {$30000.00}. We have since XXXX XX/XX/XXXX a business account with the XXXX XXXX former XXXX XXXX XXXX. In XXXX XXXX we received a credit card with a {$5000.00} credit line. 
On the XX/XX/XXXX statement XX/XX/XXXX appears a Balance due of XXXX. 
An automatic payment was previously installed. 
In XXXX XXXX the Credit department of the XXXX XXXX failed to consider our first automatic set up payment and registered an incident. Thus they decreased our limit to XXXX dollars. 
In XXXX XXXX. That was the first damage. 
We called and asked them to solve this issue and come back to the initial XXXX dollars approved limit. 
In fact this call was assimilated as a request for a credit line increase. 
We were surprised to be informed on XXXX/XXXX/XXXX that our request was denied and registered as well in the credit score history. 
A second call produced exactly the same effects and on XXXX/XXXX/XXXX we received a second letter with the same denial of approval on a credit line increase. As a result our Credit score went from XXXX to XXXX. 
On XXXX/XXXX/XXXX we made a payment of {$2800.00} for a due date of XXXX/XXXX/XXXX. When we looked up on XXXX/XXXX/XXXX if the payment which was withdrawn of our account on XXXX/XXXX/XXXX was registered in the payment history it did not show up. Again we paid {$2800.00} on XXXX/XXXX/XXXX as it did n't show registered. The same day we paid {$2900.00}. So for we had a credit on our account but the XXXX XXXX refused payments to our suppliers. 
As we tried to explain for a third time to a supervisor the recurrent problems and can not find a positive solution to our matter, we would like you to intervene.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
My mortgage company, US Bank Home Mortgage, is giving me the run-around and will not send out my flood insurance funds to me to pay for damages to my flood-damaged home. My house was flooded in XX/XX/XXXX in XXXX Louisiana. On XXXX/XXXX/2016, I submitted documents requesting reimbursement from MY OWN FLOOD INSURANCE FUNDS to reimburse me for my expenses. Previously, I spoke to XXXX different customer care specialists, and was told I only needed to send my receipts and a letter requesting reimbursement. I faxed all of this documentation on XX/XX/XXXX to US Bank 's Loss Draft Dept. On XX/XX/XXXX, I spoke to customer care specialist XXXX XXXX and was told the 'automated system ' did not recognize my request and was told it would be another 3-5 days. On XX/XX/XXXX, I called and customer care specialist XXXX XXXX told me that a reply from their Exceptions process was issued on XX/XX/XXXX that a new inspection would be needed. On XX/XX/XXXX, US Bank Loss Draft Dept XXXX XXXX left a VAGUE voice mail msg for me to call the Loss Draft Dept. When I called on XX/XX/XXXX, that 's when I was told about this new delay and that an inspection was needed. I have left msgs for XXXX XXXX, Supervisor, who has not returned my calls. My receipts, documentation, and previous inspection in XX/XX/XXXX should be enough evidence that I am repairing my flood-damaged home. I am requesting reimbursement of my expenses paid, and the remaining funds from my flood insurance check that US Bank is unlawfully holding and making interest off of my flood damage claim. Remaining funds left is approximately {$20000.00}. I am requesting a check made payable to me alone for this amount and to be expedited via 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 non-monetary relief