vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP
State: CA

Complaint narrative:
I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.

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 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add {$11.00} to my invoice to make the payment via telephone. They also said the XXXX payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my {$2100.00} payment via telephone prior to the scheduled due date of XXXX/XXXX/16.

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 2015-04-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. 
THE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I submitted my normal mortgage payment to US Bank, and discovered that they are now charging a {$5.00} fee ( NOT a late fee ) if you pay online after the XXXX, but before the late date of the XXXX. I usually pay before the XXXX so never noticed it, but this was on the XXXX or so. I wrote and asked them why there was a fee. I received a message back that this started after XXXX possibly, was NOT a late fee, and would be charged to online payments if you do not pay on or before the XXXX of the month. This seems very strange to me and punitive. I always pay extra on my loan and am now donating {$5.00} of that to US Bank for no reason, which is unsettling.

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 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We have been in refinancing process since XXXX XXXX, 2016. Our Loan officer is XXXX XXXX XXXX number XXXX. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money are valuable. He has extended our interest rate twice and I think is prolonging it to give us a higher rate since interest rates are going up. Please help, I do n't know what else to do.

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 2015-10-14 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:
Re : # XXXX US BankI received a lengthy " meaningless '' response dated XX/XX/XXXX by mail from US Bank from XXXX XXXX, Customer Care Specialist, that " did not address the real issue. '' They provided nothing other than what is already known by myself and hence, the reason for my complaint. 

XXXX paragraph, XXXX line states : " The available balance reflects funds that are available in your account for your use and is used to determine if an overdraft occurred on your account. " The " issue and problem '' is and has been they did not reflect any negative balances before I withdrew funds and ONLY added excessive fees after two to three days after withdrawal therefore creating a cascading effect on my account. This exact issue occurred after I closed XXXX checking/savings account at XXXX branch XXXX XXXX XXXX and opened a new account at the XXXX XXXX branch. It is US Bank 's computing system and the lack of US Bank 's attention to detail and dates of transactions that have created a financial hardship I am still attempting to recover from and will not recover from until XX/XX/XXXX 

I also filed a complaint against the XXXX XXXX branch 's manager after her rude demeanor and her lack with the English language in addressing the very same issue I have found myself confronted with. I have since closed my account with the XXXX XXXX branch and will have no further affiliation with the US Bank XXXX. 

In hindsight - I should have been with XXXX XXXX where I have had a checking/savings account where I never had this issue even when I used overdraft protection over the past ten years with XXXX XXXX ; never.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with US Bank at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with US Bank until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.

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 2016-02-26 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with XXXX check and interest to start XXXX XXXX if not paid in full. 
Later in the year they sent checks again offering 18 months with no interest. We used XXXX check to pay for a hot water heater repair interest to start XXXX XXXX. 
Finally had to use the offer of 18 months with not interest. We used XXXX check again to pay a dental bill. 
Now we have XXXX outstanding amounts XXXX is due to expire XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We sent in a large payment expecting it to go the XXXX XXXX charge [ note as of last month no outstanding balance other than the checks on the card ] Checking my statement found USBank applied the payment to the XXXX XXXX balance and only applied the minimum to the XXXX XXXX balance. 
When I called and finally talked with a supervisor asking for documentation that I should have received regarding this practice she stated the payments all GO to the HIGEST interest rate. Interesting all my XXXX checks have the same interest rate. So I will be paying off the oldest amount first and will be charged interest on the others as they become due unless I borrow money to pay off the full amount before XXXX. 
The supervisor stated they get a lot of complaints and they are looking into changing the rules. She did advise to make the minimum payment until XXXX. Once I am charge interest on the XXXX XXXX invoice pay it in full. Then continue to make minimum payments until the XXXX XXXX invoice is due then pay in full or make higher payments and the payments will all go against the XXXX invoice. 
XXXX last thing we do have a small recurring charge for newspaper delivery. Now we have to also pay minimum interest of {$2.00} due to the free interest total amount. Just removed that recurring charge to another card. 
I have only used a XXXX XXXX card with XXXX finance for 18 months. Have had more than XXXX purchase and they always apply to the oldest charge first. Never an issue. 
I will never use USBank card 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 non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am trying to receive a letter from US Bank regarding the sale of my previous property as a short sale because I am in the process of purchasing a home. Also, I am trying to get my credit report corrected regarding this mortgage. I have been calling them daily for over a week. However, US Bank keeps denying me this info and their supervisors do not return calls as promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Paid a bill for XXXX through my online Billpay for {$230.00} via my US BANK checking account back in XXXX, 2015. XXXX says they ca n't find it, US BANK says they sent it and put a tracer on it and I have been bounced back and forth by these XXXX companies for the past eight months. My checking account has not been reimbursed and I keep getting bills from XXXX saying I still owe them the {$230.00}. I am a XXXX senior citizen and this situation is extremely frustrating. I complained to the Oregon Public Utility Commission and they told me there is nothing more they can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I submitted an application for a credit card stating a {$200.00} US Bank Rewards Visa Card would be issued after spending {$1000.00} in the first 90 days. I spent over {$1000.00} in the first 30 days and called in to see how to cash in on the {$200.00} reward. I was told by XXXX different employees during XXXX separate phone calls that the card I was issued was not attached to any cash rewards. The picture of the card on the offer and the card that was mailed to me that I used look identical. It 's a US Bank XXXX Visa Business Card. I had a credit of {$18.00} from reward % of my spending, I told them to close my account and send me a check for the {$18.00}.

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 explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld {$630.00} of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( XXXX XXXX XXXX XXXX XXXX, hereafter XXXX ). Second, after RCS sent me a transfer letter and XXXX sent me a statement for my XXXX payment, RCS sent me a XXXX mortgage statement. Thus, I am being billed twice in one month by XXXX companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occurred in XXXX, 2015. I have provided detailed supporting evidence in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Without verifying who they were speaking with they willingly gave out my debt information as well as my social and address,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The second number is XXXX XXXX XXXX sent letter to all creditors I am XXXX ca n't work its beign 2 years, also advised by phone early part of XXXX to cease and desist all calls to all numbers and relatives by mail only I have no income! Portfolio recovery broke the law FDCPA. They some how got my pre paid cell and my daughters home. Numbers under my name they continue to call herass. I have all phone records! I will seek legal action against company for breaking law. And the collectors not following my. Wishes mI am very ill unable to work living off XXXX and my boyfriendHelp. I wrote letters to the original creditors verbally told. Portfolio recovery cease and desist they continue today I got another call a lout XXXX pacific time and phone records can be providedI have no choice but to file legal action breaking the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
On XXXX XXXX, 2016, I received mail from Portfolio Recovery about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Portfolio Recovery to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Portfolio Recovery has contravened its XXXX statutory requirement to sufficiently validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Representative attorney for Portfolio Recovery Associates LLC in Arkansas revived a seven-year-old default judgement I was not originally aware of ( in XXXX ), by pushing through a quick garnishment ( in XXXX ) without doing the due diligence to contact me, confirm an accounting of the debt, or check whether it was time-barred or even an accurate debt. Apparently they garnished {$500.00} from an employer after I was terminated in XXXX, so I was unaware of this garnishment from my final pay. My credit report is clean going back 12 years, so I see no proof of this debt. I immediately requested information connecting me to the debt, but received no account information from PRA. According to CFPB Consent Order # XXXX, Portfolio Recovery Associates LLC and all attorneys associated with them were charged in XXXX XXXX with the burden of proof to review these old default judgements and move to vacate any that could not be proven when challenged by the consumer. It 's {$2700.00} and there is not XXXX shred of evidence in the court file to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am receiving multiple phone calls every day from this company. They never leave a message, but continually call from multiple different phone numbers. 
This company has also called my relatives acting as a court service and left detailed messages on my relatives ' voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have a derogatory mark on my credit report from an unfamiliar collection agency. 
This agency indicates that there are 2 collection accounts in my name : The first : {$750.00} opened XX/XX/2014 The Second : {$1000.00} opened XX/XX/2014. 
I am not familiar with these accounts, nor have I had any communication or contact with this collection agency. 
I have not been provided with proof of such debt.

Company response to consumer: Closed with explanation