vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
Elan Financial Services has recently taken over servicing my Credit Card from XXXX. In conjunction with the takeover, they have mistakenly blocked valid transactions due to suspected Fraud, they have limited the ability for me to see transaction history on-line, and they have reduced my reward earning.

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 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out.

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 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: TX

Complaint narrative:
On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan. 
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Please refer to XXXX, the original complaint I filed against Elan Financial Services on behalf of my client, XXXX XXXX. Elan Financial sent a letter on XX/XX/2016 and refunded my client 's {$240.00} with a sincere apology. Shortly thereafter, in XX/XX/2016, my client received a collection letter on the ELan debt. XXXX XXXX called me and I told her to throw the letter away. On XX/XX/2016, I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX. The letter states their client is U.S. Bank National Association dba Elan Financial Services. The letter acknowledges the death of XXXX XXXX 's husband and claims an unpaid balance of {$420.00}. I have since received numerous telephonic messages from XXXX XXXX regarding this debt. 
Obviously, because XXXX XXXX contacted me, XXXX XXXX 's attorney, Elan Financial Services provided DCM with this information. Any correspondence between myself and Elan Financial had been to resolve the original error on Elan Financial 's part and the extensive documentation, except for my contact information, was intentionally ignored or discarded in pursuing my client. 
What is the recourse for this? My client has suffered continually at the hands of Elan Financial Services. Still emotionally fragile, XXXX XXXX has been forced to revisit her grief on the death of her beloved spouse, harassed for a debt she does not owe and continues to pay for my services in correcting the ineptness of and by Elan Financial Services and their representatives. This is outrageous.

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 2016-07-25 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
the truth in detail is this. i enrolled in a debt settlement plan to settle with XXXX creditors. only XXXX is giving me trouble. that XXXX is us bank. as soon as enrolling i mailed them copies of my XXXX award notice. i was considered XXXX as of XXXX XXXX, XXXX im already over XXXX and will not be returning to work. i am XXXX per my primary caretaker and ssa. my income of course has taken a hit. im single and ssi is my ONLY income. no XXXX no savings no XXXX income because im not married or even living with anyone. i have no children but its still nearly impossible to even get buy. after mailing in a XXXX x XXXX envelope the whole story to us bank, they said we understand your situation but you are not qualified for a hardship right now. what?? who could be more qualified. my XXXX letter to them was a cease and desist letter. they wrote back saying they would not call but would still right. NO, NO, NO. they were entitled to send XXXX letter saying they received the cease and desist letter. however after the XXXX letter no XXXX creditor or otherwise can contact you in any way. i responded back telling them that if they even sent anything to my mailbox ever again it was a minimum of a XXXX dollar fine. heres the deal. im 100 % judgment proof. XXXX gives me a XXXX property exemption. well i dont own that much property and my ssi payments are 100 % garnish proof. so i tell them i could just not pay anything but being honest i wanted to pay them something instead of nothing. thats why i did the debt settlement program which will be XXXX more payments. so today in the mail XXXX XXXX, 2016 i get more mail from them. that breaks the cease and desist violations. i want and demand justice.

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 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
WAS TOLD BY XXXX THE SUPERVISOR AT US BANK HOME MORTGAGE LOSS MITIGATION/ RELATIONSHIP MANAGER SUPERVISOR, THAT ONCE MY TRIAL PAYMENT PERIOD ENDS THAT MY PERMAMENT PAYMENT COULD INCREASE BY {$30.00} TO {$40.00} PER MONTH. BUT ACCORDING TO THE WEBSITE FOR MAKING HOME AFFORDABLE /DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT/ HUD, THEYCAN NOT INCREASE THE PERMANENT PAYMENT AMOUNT IT MUST THE SAME OR LESS THAN THE TRAIL PAYMENT AMOUNT. HE WAS VERY RUDE AND I THINK HE WAS JUST SAYING ANYTHING TO GET OFF THE PHONE. I WAS ALSO TOLD BY SOMEONE IN THE SAME DEPT THAT I DO NOT NEED TO MAKE MY PAYMENT UNTIL PAPER WORK IS RECEIVED FOR PERMANENT PAYMENT AFTER I HAVE MEET THE 3 TRAIL PAYMENTS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a complaint recently but I am unable to locate it so I am submitting it again. I got behind in payments when I went on XXXX and I submitted an application to my servicer for loan mitigation, but they called me last Monday and told me I did n't qualify for anything they could offer me. I do n't believe there is nothing I qualify for, because I have read about forclosure assistance programs for those on XXXX or unemployment and that it is unlawful to discriminate against someone who 's income is from government assistance. I have owned this house since 1998 and I truly want to keep my home. When they spoke to me on Monday they said they had sent me a letter but I have not received it yet. It 's not that I do n't trust them. It 's that I do n't trust them. I do n't want to find out that I 've missed an important deadline because I never received the letter.

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 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I cashed a check at US Bank in XXXX, CA and found that {$100.00} was withdrawal on XXXX/XXXX/XXXX from our checking account in XXXX XXXX, CA. Fraud was committed! 
I spent 3 hours with my local branch and did not receive a resolution after talking with the chief officer, XXXX XXXX. 
The whole matter could have been resolved if she had checked my wife 's signature on file with that on the counter withdraw slip issued in XXXX XXXX on XXXX/XXXX/XXXX. 
My wife did not withdraw the {$100.00} because : 1. We live in XXXX, CA which is almost XXXX miles away from XXXX, CA. 
2. Non-stop flight time is 1.5 hours ; much longer for driving time : my wife does not drive! 
3. Scammer negotiate the withdraw around XXXX XXXX and earliest that he ( she ) would be in XXXX would be very past XXXX XXXX. 
4. We checked out at XXXX XXXX at XXXX XXXX and at XXXX at XXXX ; XXXX XXXX see receipts. 
5. We did not go to either US Bank on XXXX/XXXX/XXXX. 
5. Comparing the two signatures : fake and real : Fake : loop on XXXX is on the left ; rise from XXXX is up, slope on XXXX is slanted up ; XXXX is wrong : should be XXXX ; XXXX is run together, XXXX does not match. Real signature is the opposite. Check the enclose sample of both documents.

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 2016-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I went to US bank to get a new debit card ordered. they calimed to have ordered a card for me. I later found out that was a lie and no card was ever ordered. While at the bank the bank manager told me i qualified for a refinance on my home loan. he took some basic information and ran my credit with out my permission. He later told me i did not qualify for the refi that he already stated i did qualify for. He said he could get me loan against my brokerage account. he ran my credit again without my permission. i contacted both him and his underwriter and neither would return my calls. after filing a complaint with us bank about this they sent me a letter saying i was denied a loan. i never applied for any loan. my credit was run without my permisson twice XXXX XXXX 2015 and again on XXXX XXXX 2015. Also how could i be denied a loan for XXXX if i have over XXXX in collateral. im appalled the underhanded way they did business as well as how the manager treats bank customers. the branch manager was XXXX and the branch was us bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX and Phone : XXXX XXXX XXXX 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 2015-12-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX. I have been a customer of BBVA for many years. I have a consumer complaint against BBVA based on the following : I had an annuity with XXXX XXXX at Compass Bank since XX/XX/XXXX. It was giving me 5 % interest. 
The initial investment was {$150000.00}. By XX/XX/XXXX it grew to {$160000.00}. The financial advisor at Compass bank encouraged me to transfer that money to a better investment and it would double in value. I had expressed to him that I wanted to leave this money to my grown children. He said you can " pass the wealth '' without worrying about them paying taxes after you die. The transaction had to be done before my XXXX birthday otherwise I would not qualify to get it. My birthday was two weeks away. I felt pressured but try to comply. He said XXXX XXXX XXXX XXXX was best for me. I believe he used to work for that company before coming to Compass. It took one day to do the transfer. After two weeks, I received my portfolio on XXXX XXXX XXXX XXXX. The financial advisor gave it to me and asked if I had any questions. I told him I had to take it home and read it before I could ask questions. The new insurance has a 13 day period to decline otherwise the insurance kicks in. I did n't have enough time to go over the insurance and come to talk to him because he gave me the insurance a few days before the expiration period. Now I find out the state allows a 30 day period to accept or decline. 

This year, I get the form from XXXX indicating I owe the IRS {$4000.00} in taxes based on this transaction. How can I owe the IRS money I never spent. The check from XXXX went to my checking account. The financial advisor took that money to open the new investment. I never signed any check from XXXX. In addition, I found out that the surrender charge from XXXX was over {$9000.00}. Had I known this information, I never would have done this transaction. I feel violated. I am a XXXX citizen who has worked very hard for every penny I have. My husband is suffering from XXXX. The financial advisor failed to disclose to me the product he pushed to sell me. I was never made aware of the surrender charge or that the transaction would be a taxable event subject to IRS liability. 

This is a very serious matter and want the bank to return that money to me because the financial advisor was sloppy, not able to disclose, explain or show interest in what he was doing, otherwise, this never would have happened. XXXX abuse occurs every day and it must be looked at and corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NCC Business Services, Inc.
State: CO

Complaint narrative:
continually contacts my employers phone after being told several time that it was a business phone. Additionally, calling third parties ( my parents ) and disclosing that I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: AL

Complaint narrative:
I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. 

They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?

Company response to consumer: Closed with explanation