vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: TX

Complaint narrative:
XXXX with National Principal Group keeps leaving threatening voice mail messages, and harassing phone calls to my job about an alleged payday loan I supposedly took out in 2004. I have NEVER EVER took out a payday loan. They are threatening me with arrest if I do n't pay. These tactics are illegal under the Fair Debt Reporting & Collections Act. 

Phone numbers XXXX & XXXX are the ones I am receiving the harassing calls from. I told them I was recording the conversation, and she became belligerent with me when I told her the calls are to STOP. She said she will call all she wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
We have filed XXXX requests for a loan modification with US Bank. They sit on the application and do not follow the rules pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), Public Law No. 111-203, 124 Stat. 1376 ( XX/XX/XXXX ) .1 Rule 1.5.7thru 1.5.9. They do not make a determination within the guidelines. 
My last application was complete on XX/XX/XXXX. My counselor, XXXX XXXX, was told the file was complete by XXXX, point of contact at US Bank. They made a determination that I did not qualify because they did not receive my documentation on XX/XX/XXXX. This is simply not true. They told me that my file was complete and at underwriting ... sat on the file for more that 60 days and then said I was lacking documentation. They never notified me according to the rules that more documentation was requested or required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
The bank promised me a bonus if I met certain requirements. They offered a checking bonus and a credit card bonus. I received the checking bonus but not the credit card bonus. I met all the requirements for both bonuses, but the bank has not paid the {$50.00} credit card bonus. The bank wo n't respond to my calls or faxes. I called the bank and they said the only way they could help me was if I faxed the information to their cardmember services at XXXX, which I did on XXXX/XXXX/16 and again on XXXX/XXXX/16. I called to ask whether they had received my faxes and they said yes, but that it would take several more weeks for them to respond. It seems like they 're stalling so that I will go away.

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 2015-11-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. 
In order to fully assist you with your request, please contact us at XXXX. 
Sincerely, XXXX XXXX. 
Customer Care Senior Specialist. 

The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? 

I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. 

No XXXX XXXX and the President of the Company goes by XXXX Different names??? 

Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? 

Do they pay their FDIC premiums on time???????? 

Thank YouXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Check Security Associates, LLC
State: SC

Complaint narrative:
I originally took out a loan from XXXX. This loan was sold to XXXX who then moved it to Warren Asset Locations. The company 's phone number is XXXX. I sent a cease and desist letter on XXXX, 2017 both by fax and email. I spoke to a women by the name of XXXX on XXXX/2017 that confirmed they had received this letter. On XXXX,2017 and XXXX,2017 I was sent emails. Today on XXXX they called me at work 3 times with in 5 minutes. When someone would answer the phone they would hang up. I have pictures on my phone of the caller ID. Before the letter was even sent I had asked them not to contact me at work or any other 3rd parties. It appears that this company does not follow the laws. This is the second step that I am taking to stop the harassment. My 3rd step will be a law suit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I opened a business credit card account with Union Bank and XXXX last year with cards for my employees. I do not have a card because I do n't need XXXX. 
In XXXX of this year they sold my account to a new servicer but did n't include my information as the account and business owner. Since then I have been trying to pay my bill, but I ca n't access the account because I do n't have a card and the new servicing company, XXXX XXXX, requires that I make a new credit application in order to be added to the account and gain access - to an account I already applied for and already own. 

- The account sale happened without me being notified - Once the account sale happended, my balances are being incorrectly displayed on my online account - when my payment was due, I asked that it be paid and a much larger balance was taken from my account than was showed in online banking - I am not allowed to access the accounts by phone or online even though I am the financially responsible party - the new financial institution/account owner has said that they are going to require me to make a new application, force me to provide my SSN and other non-public data to a company with whom I do n't wish to have a relationship, whom I do n't have a privacy policy for and who has n't been willing to give me access to an account that I technically already own anyway.

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 2015-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I made a monthly mortgage payment when in XXXX IL at the USbank branch on XXXX XXXX, on XXXX XXXX for XXXX paymentthey ship the payments off to a center and I have been getting calls fromtheir collection area since the right and left hand do n't know what they are ddoing. XXXX the mgr at this branch ca n't not get an answer either. I havea receipt of this deposit. 
thanks for contacting them to find out where my payment is and why ithas not been processed. It is hurting my credit and will cause issues soon. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
I subscribed to The Nation magazine last year and decided not to renew my subscription. Since then, I 've gotten several letters from The Nation about my " outstanding debt '', threatening to turn the matter over to a collection agency. Today, I received a letter from a 3rd party collection agency North Shore Agency demanding payment of {$18.00} and threatening to consider the debt " valid '' if I do not respond within 30 days. 

I realize that print newspapers and magazines are in dire need of subscription revenue these days, but to resort to threats and intimidation is unacceptably aggressive marketing. Please put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
This Complaint is related to Case # XXXX - XXXX and XXXX - XXXX ; Loan # XXXX. My home is scheduled for foreclosure and I need the Service Provider to provide me an answer as to why they have not assessed my Loan Mitigation Application based on the updated Profit and Loss Statement ( Income ) that was submitted to them. 
Here are specific details of my case. 
1. RCS acknowledged they made a mistake and I appealed their decision to reject the Loan Mitigation Application within 30 days. 
2. The basis of that appeal was the updated Profit and Loss Statement submitted to RCS as part of the appeal letter on XXXX XXXX, 2015. This updated Profit and Loss Statement is included in Exhibit XXXX. The average monthly net profit from the business is {$6400.00} per month ( {$38000.00} divided by 6 months ). When you add my social security income of {$1900.00}, my monthly income adds up to {$8400.00}. This is the monthly income on which RCS needs to assess my Loan Mitigation Application. 
4. The way I have calculated {$8400.00} as my monthly income is exactly the same manner RCS calculated my monthly income earlier based on the preliminary Profit and Loss Statement. This preliminary calculation from RCS is included in Exhibit XXXX. Hence my {$8400.00} is my correct monthly income. 
Therefore, based on the above, RCS needs to assess my Loan Mitigation Application based on the correct updated Profit and Loss Income and my Social Security Income. This amount comes to $ XXXX and not {$7800.00} as claimed by RCS. 
Therefore please ask RCS to read the documents I have mailed them as part of the appeal and to evaluate my Loan Mitigation Application based on the correct monthly income of $ XXXX all the above documents were attached to this Complaint before and are in possession with RCS. They were all submitted as part of the appeal documents mailed on XXXX XXXX, 2015. 
Thank you. 
Sincerely, XXXX XXXX XXXX ( Borrower and Homeowner ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
In XXXX 2016, I applied for a refinanced mortgage from US Bank. I have had multiple accounts from US Bank for decades. The mortgage I wished to refinance is an ARM that I wanted to refinance to a fixed rate loan. I have lived in the same house and paid on the mortgage for almost 15 years. The refinance was going to be 80 % loan to value. 
Because I 'm retired, I do not have XXXX income. In addition to Social Security income I have income from investments and real estate. I was required by US Bank 's underwriters submit a huge amount of documentation. The bank 's document requests dragged on for months, costing me inordinate amounts of time and inconvenience. On Monday, US Bank denied my refinance application, because they said my debt to income ratio was too high. I never saw their analysis of debt to income, but I believe they were completely misinterpreting the documents that I had submitted. My only debt is my mortgage, and when I compute my debt to income ratio using conservative assumptions, my debt to income ratio is about 30 %.

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 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I currently have a mortgage with USBank. I recently had an escrow shortage and i made a partial lump sum payment to catch up. I made a XXXX XXXX payment of {$1900.00} which also included a catch up payment. For XXXX XXXX USBank was still showing that I needed to make a payment of {$1900.00}. I called them on or around XXXX XXXX in order to discuss this payment being a little high. They agreed to do an escrow analysis and found my XXXX XXXX payment should actually be {$1600.00} which I agree ( An increase from {$1100.00} which I was paying ). They said they would send a new bill and correct the information online. On XXXX XXXX ( the day before my due date ) their website still displayed a {$1900.00} required payment. I called them again and they agreed the issue should have been handled already and that they would escalate to a senior customer service rep and that it would be fixed that day. Today is my due date and the website still has not updated ... .it would not allow me to make the correct {$1600.00} payment online ... .it still wants an incorrect {$1900.00} payment ... and to make matters worse there is now a {$5.00} " Online Payment Fee '' attached. I believe I 'm being incorrectly overcharged on my escrow and USBank has now had XXXX service call opportunities to correct this issue which they have not done. I feel I have made XXXX efforts in good faith to make this payment but I do not feel that I should " donate '' an extra {$300.00} to them. On top of that I do not feel I should be charged a {$5.00} fee simply because the website will not allow me to make a correct payment. What other options do I have to compel USBank to make the changes to my monthly payment they have agreed to make????

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 2017-01-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I opened up an account a few years ago with U.S. Bank with my then husband XXXX XXXX. After separating, we both went to a local branch to sign myself off all accounts. We sat with a personal banker as I signed my name to be legally taken off all accounts. I found out months later, that an account was hitting my credit, and it was with U.S. Bank. My now ex-husband XXXX XXXX XXXX took out a credit line with U.S. Bank that still had my name and social security number attached. I have no idea what the money was spent on, and he is not paying off the balance as agreed upon. U.S. Bank lied to me about being taken off, and closing all accounts that were associated with me.

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.

Company response to consumer: Closed
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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:
I placed an order for {$310.00} with XXXX XXXX. They posted double that amount for authorization. An additional {$310.00} worth of my funds were held that I could not have access to. 

When I called the bank they refused to get on a conference call with the manager at XXXX and I to resolve this, and the manager at XXXX refused to admit that they had requested double authorizations. 

They both said the amounts would " fall off '' in a couple of days. When I told both US Bank and XXXX that I had checks that might be coming through they both said they would do nothing to help. US Bank said they would charge me insufficient funds fees if anything bounced as a result of this mistake. 

I spoke a supervisor named XXXX. He acknowledged that XXXX authorizations were incorrectly applied, but because of US Bank 's policies, he could not help. He also said that if I was charged NSF fees it would " at the bank 's discretion '' as to whether or not they would reverse those fees due to a merchant error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
Opened a Simple account XX/XX/2016, linked my local bank to the account, made a couple of EFT 's from my bank and then started using it for purchases in XX/XX/XXXX. Made a {$2000.00} EFT in XX/XX/XXXX that was debited from my bank balance, yet is in limbo in the Simple account. That transfer seems to have triggered a review and verification. As of XX/XX/XXXX, my account has been frozen with an original standing balance of {$1200.00} and the XXXX not added to the total balance but shows up in the ledger on the phone app. I was asked to submit my ID, SS card and 2 recent bank statements in PDF format. Several calls, messages and months later, my account remains frozen and unverified. I spoke with a manager today and was told that the PDF 's I sent them directly from my bank looked scanned are not acceptable. I asked if I could have the entire {$3200.00} transferred/deposited back into my bank account and was told, " no ''. I asked how else I could get this resolved and they had no answer. I 've used PDF 's from my local bank for verification with other institutions in the past without any issues. Simple seems to think my bank has a problem generating the proper documents, yet they have no other solution for me to submit the proper forms for verification that would unfreeze my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I called Carrington Mortgage Services, LLC today inquiring about my XXXX Mortgage Interest Statement for 2016 tax year. I was informed by the customer service rep ( XXXX ID # XXXX ) that due to my mortgage loan being transferred from XXXX XXXX XXXX in XXXX 2016 I would not be receiving XXXX. I informed the customer service rep that I made a mortgage payment of {$1000.00} on XXXX XXXX. Also as of XXXX XXXX, 2016 Carrington Mortgage Services paid {$3000.00} to XXXX County for taxes. I was again informed that because the interest I paid was below {$600.00}, I would not be receiving a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, I went to local US Bank branch to make an extra mortgage payment. It was at the branch that I was informed that I had filed for Chapter XXXX Bankruptcy. This was something that I or my wife never did. After playing phone tag games with the Banker, Mortgage, and Bankruptcy departments, they say they would look into it and I had to wait 7 day till XXXX XXXX. Supposely a letter was sent out to me on XXXX XXXX. - the same day that I filed for bankruptcy. On XXXX XXXX, no letter arrived and I called back to US bank bankruptcy hotline to check on the status. According to them, work orders were filed but they could n't tell me anything how this happened with all their safeguards. On XX/XX/XXXX..I called them again and I keep getting a different story. I have ask written proof of the bankruptcy to be send by email or overnight certified mail. Their response was I had to wait till the claim was investigated but could n't tell me when this would be. Nothing has been resolved or explained to me. Currrently, I have not received or seen any written proof that I have filed for bankruptcy. I ca n't understand why this taking so long when it was n't my fault, but the bank 's fault. They have all my information and the records show that I am current. 

To me, this is not only about money but also justice that needs be justified and solved in a righteous way!

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