vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
The collection agency of Frederick J. Hanna and Associates are currently garnishing my wages on a debt that I believe I do not owe. In 2015, the firm submitted a garnishment order to my employer without any contact with me. I have made numerous attempts to contact the firm and was only successful once. On that conversation I was told that by a representative that he could n't provide me any information. I am attempting to obtain any information on the debt but so far I have n't been able to. I have never been served with any documents regarding the debt. Have never had a day in court to question the debt. The first I heard of the debt was from my employer when the first garnishment started. It appears that this situation/garnishment could possibly continue for many years. I would greatly appreciate any help that you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Members of XXXX XXXX XXXX encountered fraudulent advertising and misrepresentation regarding our stay at an Apartment ( which was advertised as such ) which was unclean, lacked the proper facilities advertised, lacked proper ventilation and safety features for XXXX ( all of us ). The owner ( who actually lived there ) refused to refund our money after we saw the accommodations, was indignant and never returned our phone calls or requests for a refund via certified letter. His personal cleaning, clothing, maintenance, and garbage was left inside the premises. Pictures included tell the story as well as other complaints on line. He continues to jump from one hotel website to another after receiving complaints. 
We are complaining due to the fact that no response has yet been received as to USBank findings were.Tthey refused to investigate any further or contact the owner of the property for verification of our complaint, yet all contact information has been afforded them. Our money was refunded immediately after filing the dispute with the Branch office in XXXX XXXX, the end of XXXX, then we see that the amount was deducted out of our business account with no further contact or attempts to receive more information from USBank in XXXX, ND. Customer service puts the blame on us as Seniors for staying there with no action done on their part to resolve this dispute whatsoever. We had no where else to go since we were XXXX miles from home, this is a peak season in XXXX and better hotels were all booked up. As XXXX as well as XXXX Officials of a Non-profit XXXX XXXX we feel that we have been mishandled and taken advantage on both sides in regards to our own funds and membership donations..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: OH

Complaint narrative:
I have received XXXX rude and obnoxious voice mails from a Company named National Principal Groups. They are actually yelling on the message stating they are looking for a Party who does not reside at my household. They state they are skip tracing and have the right to contact any phone numbers that are listed on file, and that they request a call back even if I do not have any information. I have called back after the XXXX voice mail received and left a message stating not to call my phone number again. I received another voice mail today and I called them back stating again, not to contact this phone number and they still asked for information on a party they are looking for. They have called XXXX, XXXX, and now XXXX. No one in my household owes any outstanding collection/debt and do not appreciate this company contacting our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I would like someone at my bank to investigate several transactions with a company by the name of XXXX aka XXXX. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms. As far as I can see transactions that were on this account were : XXXX/XXXX/XXXX {$10000.00} ( via XXXX charges {$9900.00} ans {$10.00} ) XXXX/XXXX/XXXX {$3500.00} XXXX/XXXX/XXXX {$1400.00} I was unable to open a dispute with my bank because of the transaction dates but I really feel that this needs to be further investigated. This company has yet to finish or render the services I paid {$14000.00} for.

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 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I have an existing XXXX year mortgage at 5.625 % that I am trying torefinance to a XXXX year at 3.64 % with US Bank. I was told that our debt toincome ratio could be no higher than 45 % and our credit scores werefine. Our debt to income ratio is 38 % so when the loan was denied Iasked why and they refused to give me a reason. I have sent numerousemails trying to get an explanation to no avail. I just keep getting therun around, answers like we have new regulations and guidelines tofollow with no real explanation as to why my husband and I were denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed XXXX is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. 
My social is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I am writing requesting an investigation into the issues surrounding the series of delays and lack of cooperation regarding my appeal for a loan modification with my lender US Bank. I obtained a mortgage in 2009 with downpayment assistance from Tennessee Housing Authority. The property taxes increased XXXX % from what I was told from the closing attorney and title company. As a result of this, the payment increased drastically and I began to struggle making the payments. I sought help via a HUD counseling agency after a representative from US Bank said that I needed to be delinquent in making payments to initially qualify for a loan mod. I stopped making payments and took the advise of US Bank and engaged a housing counselor. After several months of working with the counselor and providing numerous documents as requested, I was told that US Bank could n't approve a loan modification SOLELY because Tennessee Housing Authority was refusing to cooperate due to their presence on the mortgage via the XXXX lien because of the down payment assistance. It has know been over 12 months and no one can tell me why I am being prevented from mortgage assistance that I clearly qualify for based on my sole income being retirement income. I need help and most recently was told over the phoe on XX/XX/XXXX that I no longer qualify because I 'm over 12 months delinquent. First of all, I became delinquent at the advise of US Bank! I believe the position that is being taken is gross negligence and I need immediate help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank has not released the lien and sent proper notification by mail to indicate that the loan is paid in full and that the lien has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
This complaint concerns a mortgage loan issued by US Bank. The mortgaged property was sold on XX/XX/2016. The annual real property tax due on the house, approximately XXXX, was paid twice at settlement. The standard procedure in cases of this kind is for XXXX County in Maryland to refund half of the overpaid tax to the settlement agent for seller for remittance to the taxpayer, and half ( approximately {$10000.00} ) to the mortgage banker, in this case US Bank, for remittance to the taxpayer ( I.e., the mortgagor of the property ) XXXX County duly refunded the overpayment. The settlement agent has refunded {$10000.00} to me. On XX/XX/2016, XXXX County refunded {$850000.00} to XXXX, lenders'agent for the payment of real property taxes on mortgaged property. This sum inicluded many refunds, including the {$10000.00} due me. Notwithstanding the receipt of the refund over three months ago, US Bank has not repaid the tax refund to its proper owner. 
It thus appears that US Bank is exploiting its position as mortgage lender to unlawfully appropriate, and use interest-free, funds that belong to consumers with which it deals. Considering that my tax refund was one of numerous tax refunds paid on XX/XX/XXXX, US Bank may be engaged in the general practice of misappropriating consumer funds.

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 2016-10-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I called because I noticed fraudulent charges pending on my prepaid gift card issued by U.S.Bank. I provided all of the information and they froze the card. They said I would need to call back in 3 weeks in order to dispute the charges. I called on XXXX/XXXX/XXXX to dispute the charges, as requested. I provided all of the information they requested in a fax to their dispute department. I called again on XXXX/XXXX/XXXX to confirm they had received everything that they needed as I had not heard anything back. I talked to a representative named XXXX, and he said that they did have everything, and to call back in 5 weeks to check on the status of the dispute. I called on XXXX/XXXX/XXXX to check status and was told everything was still pending and to call back in a week. On XXXX/XXXX/XXXX I called again and the representative said that all charges had been found in my favor and my refund of {$49.00} was being mailed to me at the address given, and to expect to see the card within 2-3 weeks. I called again on XXXX/XXXX/XXXX as I had not gotten my card and was told that the dispute was pending until XXXX/XXXX/XXXX! How was the dispute found in my favor on XXXX/XXXX/XXXX when it was supposedly pending until XXXX/XXXX/XXXX? U.S.Bank has very shady and deceptive practices on refunding customers for fraudulent charges, and I request that my replacement card be issued as the representative on XXXX/XXXX/XXXX said she requested immediately for the amount of the disputed transactions for {$49.00}

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 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
An atm machine error caused my deposit to get lost in the machine. Now it 's taking 2 weeks to complete my cash deposit. Bank is breaking its own deposit agreement. The cash was found to be stuck in the atm machine by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have my first Mortgage with US Bank they have reported to the credit bureu that in the last 14 months I have been 30 days late XXXX times, 60 days late XXXX, times and 90 days late XXXX times. This is not true, and I am in the process of trying to refiance my home and this is when I found out, this is not the first problem we have had with US Bank they tried to take my home for XXXX missed payment about three years ago but in the end they did a uneccessay loan modification and when we received the final paperwork it was a 40 year loan on a house I have owned since XXXX 1992, we went to the Attorney Generals office but recieved no help so we had no choice but to go with it, I have all the paperwork for that and now this. I printed out my bank online payment report for them and I have never been 30,60 or 90 days late. I called US Bank today and they agree with me and told me I need to go to the credit source that reported it and they will get back with US Bank and that will take care of it. I have contractors ready to do work on my home now and I can still get the XXXX but my interest rate will be higher. This is not the first time I have had problems with US Bank, they tried to take my home three years ago for XXXX missed payment when my son was very sick and I missed it on accident but instead they modified the loan which was not necessary and gave me a 40 year loan without disclosing that before we agreed. I went to the Attorney General 's office but received no help. I need my credit corrected today but they want me to go through this long process for something they caused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Applied to US Bank for a refinance of original US Bank mortgage and a US Bank equity loan ( all inhouse products for them ) on XXXX. They required me to write them a {$1900.00} check for Escrow of insurance and taxes even though I had a {$2200.00} escrow balance with them on the existing mortgage. As of XXXX/XXXX/15 they have yet to refund my original mortgage escrow balance. They sent correspondence that any balance due would be issued in approx. 30 days. The first due date was on XXXX and they have had more than 30 days to issue funds. These funds were also in their possession so they could verify the funds with no issues and no third-party. It appears they are using consumer funds to create quite a substantial " float '' without paying any interest on these funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: IA

Complaint narrative:
Keep getting calls from National Prinicpal Group regarding a bill I supposedly owe. They 've also harassed my parents and my ex in-laws!? Finally spoke with someone and told them I never had a contract ( or heard of the company they said I was in violation of ) with or had an account at the bank they said I drew the loan on ( again, never even heard of the bank ). Told the woman calling to send it validation of the debt because I was debating it. Said she was sending time sensitive information that I needed to respond to, but did n't. Instead, 6 days later, I get a demand for payment, but still no debt validation. I do n't owe this debt and they keep harassing me and everyone I know but using different phone numbers. You block one and the spawn another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. 

Thank you for submitting your complaint to the Federal Trade Commission. 

Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your information.

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 2017-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I applied for a used auto loan through usbank.com. The automobile I was looking to take a small loan on ( ~ {$6000.00} XXXX ) was a 10 year old vehicle with 140,000 miles on it. 

After I completed an application and my credit was pulled, a representative from USBank called me, and told me there was no chance I was going to be approved, not because my ( outstanding ) credit was bad, but because they have an internal policy at USBank that they can not loan on vehicles of a certain age or mileage. 

I expressed my concern that they pulled my credit, something that will affect my credit score for up to three years, when I should not have even made it through the application phase. I filed a complaint asking them to remove the credit inquiry with the credit bureaus. After a month I received a form letter informing me that they would NOT remove it, since it was part of their application process. The letter stated I could only further investigate it if I believe fraud or identity theft was the cause. 

If a company has such simple rules for loans, then it should be front and center in the application process. I feel like I have been victimized here, that my credit has now been negatively effected, and that US Bank does not want to take responsibility.

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