vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
I do not owe this company the amount stated, requested validation and evidence and nothing has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received a call from a company in California called XXXX XXXX XXXX who said that they had submitted paperwork to take me to court for litigation on an old bank account from US bank from like XXXX or XXXX, I did n't even know about this account til the company said something because I was never sent the information pertaining to it file # XXXX and then they said the consumer finance protection bureau had filed a complaint against me as well but I never received any notification from you guys or US Bank claiming fraud, I thought that once something was n't on credit report could n't use it again

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 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
We our a military family who is executing XXXX XXXX. We opted to short sale our home due to the market in our area. We put our home on the market in XXXX with an offer in XXXX. The bank dragged their feet, repeatedly told us they did n't receive paperwork when I would receive a confirmation email, which I still have. Also, our relationship managers were unavailable, had full voicemails, and would n't return calls or emails. We are now on our XXXX relationship manager. Now, just recently they closed out our short sale due to improper paperwork, which is false. After, speaking with the default department we had to resubmit everything from day XXXX. Now they just reopened our short sale and our time is running out due to the move, XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Bass & Associates, P.C., Attorneys at Law
State: LA

Complaint narrative:
I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
" ELAN FINANCIAL '' FILED A " FALSE " ; FALSE! POSTING ON MY ACCOUNT THAT IT WAS NOT ONLY CLOSED, BUT MY REVOLVING BALANCE TO BUILD MY " CREDIT HEALTH '' WAS ZEROED OUT ALONG WITH AN UNPAID STATUS. 

THIS ALONG WITH A RE-INSERTION OF A PREVIOUS PAID ACCOUNT THAT SHOWED CLOSED, LATE AND UNPAID AFTER SHOWING THE DIRECT OPPOSITE THE DAY PRIOR WHICH WAS PAID WITH A XXXX BALANCE RESULTED IN " MY CREDIT SCORE DROPPING " XXXX POINTS IN A MATTER OF " 12 '' HOURS. 

I WILL PROVIDE THE DIFFERENCE OF INACCURACY DESCRIBING THIS IN FULL DETAIL WITH THE ATTACHED FILES IN FULL DETAIL! 

XXXX/XXXX/15 - XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My bank, Union Bank was supposed to have paid a check in the amount of {$710.00} in XXXX to First Bankcard, my credit card company which will be taken over by Union Bank in about a month. I had to open a new checking account because I was burglarized and my checking information may have been compromised. Union Bank did not honor the check. I made a second payment via phone to First Bankcard in the amount of {$720.00} on XXXX XXXX, that included a {$10.00} service fee. I received a letter from Union Bank on XXXX XXXX stating that my check did not go through again. I paid {$890.00} on XXXX XXXX ( {$710.00} plus {$160.00} for the second month 's bill and another {$10.00} service fee ). 
My Union Bank statement shows that on XXXX XXXX, {$720.00} was taken out and on XXXX XXXX, {$890.00} was taken out. In essence I paid twice for the {$710.00} bill from First Bankcard. When ever I call First Bankcard, I am told that they show a credit on their end but can not tell me why I do n't see one on my statement. The assistant manager at Union Bank who was supposedly working on resolving this issue is not responding to my email or phone calls. She was the one who made the mistake of not honoring my check when I requested it twice, in person at the bank branch and later that day, in an e-mail on XXXX XXXX. 
First Bankcard states that I may or may not see a credit in 5-7 days. I spent over 2 hours on the phone with both supervisors from First Bankcard and Union Bank and no one has resolved my issue. I would like to be credited the overpayment from First Bankcard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a targeted credit card offer in the mail from US Bank. The offer was to apply for and receive the US Bank XXXX XXXX card and spend {$4500.00} in the first 90 days and earn {$500.00} cash back sign up bonus. The card also earns a minimum 1 % cash back on all purchases. I was approved for the card and received it the first week of XXXX. I completed the {$4500.00} spend requirement the first week of XXXX. In XXXX I called customer service and they stated I had completed the requirements and would receive the {$500.00} shortly. In XXXX I still had not received the {$500.00}, so I called customer service again. The agent did not know why I did n't receive the {$500.00} bonus and submitted a request for me to receive the bonus. In mid XXXX I received a letter from US Bank stating that the account did n't qualify for the bonus rewards as the charges needed to be done only by the authorized officer and not by any employees. This requirement is not stated in the targeted offer I had received from them. The offer states {$500.00} cash back will be paid after {$4500.00} in net purchases are made on your account. XXXX my card and my husbands employee card are part of the master account and ALL charges post to the master account. The offer did n't specify that I had to make all charges on my specific card as both cards charges hit the master account. I did receive 1 % cash back on all charges from both cards, so it does n't even make sense they would invoke this requirement for the {$500.00} bonus without specifying it in the offer. It is my belief that US Bank is trying to cheat me out of the {$500.00} bonus after luring me to apply for the card. There is a vague statement in the offer that says spend on multiple cards ca n't be combined to meet the spend requirement and each US Bank card meeting the requirement will earn the bonus. To me this meant that if a person has multiple master accounts that you can not combine them. Please contact US Bank and have them pay me the {$500.00} sign up bonus.

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 2017-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XXXX XXXX My mortgage company advised me of a payment increase due to escrow. My previous homeowners insurance was nearly {$2500.00} per year. I refused to renew with XXXX XXXX and looked for another carrier. I received a new policy with XXXX XXXX which was approx {$950.00} per year. I contacted US Bank and advised the escrow department and asked for a updated escrow analysis and payment adjustment. I followed up and spoke to an individual who indicated that I should pay {$1100.00} per month going forward. Starting in XXXX I started to submit payments in the amount of {$1100.00} as instructed starting in XXXX. However the bank continued to reflect the amount due as {$1300.00}. Full payments were not applied since I was submitting {$1100.00}. I was advised that there was a payment that was made in XXXX which applied to XXXX, which the bank is saying they never received and then two payments were posted on XXXX XXXX, XXXX. I am active Bankruptcy and today received a motion for relief based on a affidavit signed by bank personal that as of XXXX/XXXX/XXXX my account was delinquent as I missed three post petition payments they claimed. How can payments be received on the same and an employee sign an affidavit they have not received them. This is a false affidavit to the court. Furthermore the Attorney Firm contracted by the court, failed to validate the affidavit information when submitting the petition to the court on XXXX/XXXX/XXXX over a week since payments posted to the account. I will be vigorously defending this petition in the Bankruptcy Court but believe that these practices by US BANK NA be fully investigated so that they are not able to victimize any other borrowers.

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 2016-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: TX

Complaint narrative:
1.I am a XXXX year old vet. Single Mom. Went through XXXX. used up all savings. Federal student loans were expunged. Survived thanks to V.A. : but got behind on my XXXX loan. 

2. I filed a bankrupcy to save my home from foreclosure. 
3. Paid XXXX {$10000.00}. 
4. Finish bankruptcy successfully. 
5. XX/XX/XXXX loan was sold by XXXX to Residential Credit Services Inc.This is where XXXX starts. 
In XXXX 2015 they stopped sending paper statements. I told them I had to have a paper statement to see how my loan was doing. I am XXXX now and have XXXX -- sometimes do n't have internet connection. 
They refused saying : " we do n't send statements to you bankruptcy folks anymore. '' NOW : XXXX XXXX CALLED FROM RCS LOSS PREVENTION : he called me and demanded {$6000.00}. 
I said : how can that be? I paid all the arrears in bankruptcy. After than period, I have n't missed a payment. '' He said : " Oh, this happens to lots of folks. They have n't really paid enough in the bankruptcy. That 's why there still money owed. I suggest you try a loan modification. or pay it all right now. We 'll start foreclosing if you do n't. '' Later, when I called RCS to see if a scammer had called me, they seemed genuinely confused. It says here you owe {$6000.00}. said XXXX. " Fax us all the info you have : the bankruptcy papers, the Money order receipts, a letter carefulling detailing everything. We 'll look at it an figure everything out. '' I had all these things, ( including a mortgage analysis which was worthless. ) I have hundreds of papers.Also, the attorney who originally filed the bankruptcy, XXXX XXXX XXXX. in XXXX XXXX. 
" You mean -- I have to PROVE I 'm NOT IN ARREARS? '' " Yes. '' " Meantime, you might have foreclosed by the time it 's all straight. ' " yes. your attorney can fax the info. ' I realized right then : They did n't know or have my mortgage information. 
My hair stood straight up. they wanted it from me because theirs was messed up. 
Meantime, I might loose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I had a tragedy in XXXX XXXX, XXXX when I loss my son in a accident. I could not work and had to file for bankruptcy which was discharged XXXX/XXXX/XXXX. I 'm in the process of purchasing a home after I was able to get my credit up again. I 've called BB @ T several times have spoken to several different people. Today I called and spoke with XXXX XXXX who stated that they had submitted to HUD 78 months ago to close the loan. When I call HUD they have no record of this at all. But yet on last Friday I was told by BB @ T that the loan was closed. I hated doing a bankruptcy and even after that I had at least XXXX short sales which BB @ T would never approve ... im just trying to get my life back purchase my home and do the right thing. All I need is verification that the loan is closed with BB @ T and HUD. 

XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: WY

Complaint narrative:
I 'm trying to get a mortgage, a credit report was pulled on me for the first time in many years. It revealed a credit card account with an account balance of {$6000.00}, opened in XXXX of 2007, with USBank. I know nothing about this account, and have never had an account with USBank. Someone has been making payments of {$40.00} per month on the account and my credit rating has thankfully not been impacted. 

I checked with USBank, a branch office in my town of XXXX Wyoming, and they have no record of me, or of the account. 

I filed a dispute with XXXX, they said it will take 30 days. I 'm trying to get a mortgage and I need this removed from my credit report asap. I want USBank to get on this right away, I ca n't afford to wait 30 days. 

I 'm afraid that an employee of USBank has fraudulently opened an account in my name and is making payments on it to disguise its existence, and it only became apparent when my credit report was pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Opened a BUSINESS checking account at US BANK in XXXX, NV and was NEVER advised that a BUSINESS checking account DOES NOT have an opt in/out option, its automatic overdraft protection. Went over by approximately {$85.00} and in 4 months was charged approximately {$380.00} in " fees ''. I agree I made XXXX mistakes, I did go over and they did send the statements. This is a NEW Business so I do n't have a lot of activity, so It 's an easy oversight as a NEW business XXXX. I feel like US Bank by NOT advising the BUSINESS their checking policies has caused me harm as they closed the account and turned me into 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 explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
Elan Financial Services credit card Payment services website states " Payments with a Payment Date equal to todays date can not be modified or deleted after XXXX XXXX. CT. '' Yet a payment made at XXXX XXXX. CT. are considered late. When I called the supervisor informed me the cut off time is really XXXX XXXX. so cutoff at XXXX XXXX. is a false statement on their website and needs to be corrected as they are assessing a late fee at XXXX instead of XXXX pm.

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 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
This company is reporting a collection on my credit report with account number XXXX. On XXXX XXXX, 2016 I sent this company a letter requesting validation of a collection they are reporting on my credit report as paid. Not only did they completely ignore my letter, but they are also still reporting the unsubstantiated mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: OH

Complaint narrative:
XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank XXXX, CA branch manager has frozen my business & personal bank accounts due to a personal vendetta against me. My accounts have been frozen for three months. I have reached out to the bank but received no response as to why my account was frozen or when my funds will be released.

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