vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
In XXXX, I had a XXXX XXXX Credit card. This card was used fraudulently and a large amount was on the card. I reported this to XXXX XXXX and they denied the fraud report and proceeded to debt collection. The debt was then turned over to Frederick J. Hanna & Associates located in XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I then started to receive phone calls that were very disrespectful and threatening. They would not stop harassing me. In XXXX I was apparently sued by Frederick J. Hanna & Associates. I was never notified about the suit that eventually went to default judgement against me. After the default judgement a lien was placed on my home that I was never aware of. I am now trying to refinance my home with a VA to VA loan and can not do this due to this lien. I am a XXXX XXXX Veteran on Social Security and have been taken advantage of by this law firm. I know they have violated The Consumer Credit Protection Act with the way they were doing business with my account. As I said before I was unaware of this judgement and lien until last week XXXX/XXXX/XXXX when I tried to refinance my home. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have XXXX XXXX Credit card from US Bank. I paid my annual fees ( {$75.00} ) for this card in XXXX 2015. This card offered bonus award night for hotel booking with XXXX XXXX hotel chain. However, US bank is going to abruptly end this benefit in the middle of year ( XXXX 2015 ). As a consumer I feel like I paid an annual for some benefit that I wo n't be able to use. I think US bank should refund my annual fees along with compensation for breaking their agreement in the middle of year. 

Following are lines from their agreement : '' BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went to the U.S. bank location on XXXX XXXX in XXXX XXXX, California on XXXX XXXX around XXXX XXXX. I went to the teller art the window and asked to have a payroll check cashed. She asked me for identification and then said she needed a second form if identification. I gave her both a state drivers license as well as a passport I.D . card. She refused to cash the check because she said she did not recognize me and she could not find me ever having cashed a check at that location before. She said she could not verify that the check was authorized to be written to me because the payroll company was closed. She said to me various times that penning an account would make the process smoother. I kindly told her various times that I did not want to poem an account with them. The check was written to my name and I had cashed a check in that location before. It seemed she was very adamant that she wanted me to open an account even though I refused. Ultimately she did not cash the check and said I needed to open an account. The check from the payroll company is issued from U.S. bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX, I recieved a phone call from US Bank at my home phone number. The female caller immediatley asked for me or my wife by first name. Once I stated who I was, she advised me that the call may be recorded. I stated that was fine. The caller then stated that she was calling from US Bank in regards to the lease on the XX/XX/XXXX XXXX " XXXX ''. At which point, she stated that the XXXX payment was five days late. I informed the caller that I was aware and that it was an accidental oversight and that I had just made the payment through my bank 's website about XXXX minutes before she had called. The caller then asked if I knew when US Bank would receive the payment. I informed her that the payment usually takes one business day to post. I mistakenly told the caller that since that was the case the payment would most likely be received tomorrow ( Saturday ). The arrogant response I received from the called was " ugh, well tomorrow is Saturday, so that 's not possible ''. To which I responded, Oh. Sorry that 's right, well then Monday I guess. The caller then stated well if we do n't receive the payment by Monday there will be a late fee attached to the account. I told the woman that would not be an issue. The caller then asked me for a reason that the payment was late. I stated that I had already told her that it was an oversight and that the payment was made. She then continued to ask for a reason. I stated, Ma'am, you called my home at XXXX XXXX on XXXX XXXX. This is the XXXX. I have already stated that the payment was made. The woman continued to request a reason. I stated miss please do n't harass me. I already stated that the payment was made. 

This complaint is not so much about the call itself rather than the demeanor and the timing of the call. A company that is based in the United States and has the name US Bank. Should know better than to make collection calls on a day when the entire country is in mourning. A company named US Bank should know better. These bill collectors have no knowledge of who they are calling. Being a XXXX. It 's beyond inappropriate to have bill collectors calling customers who have never missed a payment at this time and date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The bank foreclosed and now ALL contents from the home have been placed on the driveway since Tuesday 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 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP

Complaint narrative:
i have already files a complaint and got the resolution.i am not satisfied with the resolution ( {$100.00} + {$25.00} copensation ) as a result of my complaint.I did try to contact XXXX XXXX and i never got a response back.i was not aware that when i dispute the resolution of the bank the complaint would be closed on CFPB end.that is the reason why i am filing an other complaint to get a satisfactory resolution as soon as possible and get a fair amount of compensation for the amount of time i swpent and frustration i went through by contacting the call center agent of US bank.I waqs otld to throw away my gift card woth {$100.00} multiple times just because it was purged in their system

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 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
My XXXX account was closed XX/XX/XXXX ( see attachments ) and XXXX had no authority to charge anything to my credit card. In fact they memorialized the fact that it was closed in the email attached. 
Regardless US Bank allowed them to make XXXX charges without my consent and refused to investigate my request to charge them back XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They never should of allowed these items to be charged to my account and want the monies refunded.

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 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
USBankcorp issues the XXXX card, which part of the benefits they provide for the varying Annual Fee is a Bonus Award Night on any award stay of 2 nights or more. Today, XXXX XXXX, USBank and XXXX XXXX have removed that benefit effective XXXX XXXX, though their XXXX website is still showing this as a benefit of the card. 

I recently applied for the card and was approved on XXXX XXXX, I applied specifically because of this benefit and will not actually be able to receive the benefit that was offered as it takes USBank and XXXX 4-8 weeks from the time of the account opening to give the initial bonus points on sign-up and consumers are given 90 days to earn the additional bonus points, this is beyond the less than 2 months notice provided by the card of the change. 

I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

This amounts to bait & switch, both companies advertised a product with specific benefits to get me to sign up for this credit card ( a product they are still advertising with no notice the benefit will end on XXXX XXXX, which shows intent to defraud customers while continuing to gain new applications ), have a Credit Report pulled ( which stays on my credit for 2 years ) and then shortly there after, removed the advertised benefit while still expecting me to pay for the new lesser product which I am not interested in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw {$390.00} application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything from him and he has the nerve to say he was going to send me the report! I told him I was no longer interested in refinancing because he obviously did not know what he was doing. I do n't hear anything for 2 weeks then another unknown emails me requesting more documents! I told them the same. I cancelled. On XXXX XXXX or around I saw that my XXXX account had been debited {$500.00} by US BANK without my authorization! Now I am out {$890.00} for nothing! Please help me rectify this situation. 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 monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
At some point before XXXX/XXXX/2015 someone stole my credit card information and created a new duplicate card. While I was at work on XXXX someone went into a XXXX XXXX store and charged {$1000.00} onto my credit card. I found out while monitoring my checking account on XXXX and immediately called my bank. They had even shut off my card because the thieves tried to take even more money. I filed a claim. They bank told me they would refund the fraud charges in 7-10 business days. I filed a police report and received a new card. Despite multiple calls ( XXXX ) and assurances from US Bank that the funds would be credited to my account, it is now the 11th business day, and no refund. Also, they reported a balance to my credit bureau which I NEVER maintain. Upon contacting the Bank this morning they admitted my dispute was NEVER EVEN ASSIGNED to anyone for review despite repeatedly telling me it was under review and the refund was pending. Now when I call them again they 're telling me another ten days. They never even asked for the Police report or Fraud Case numbers which I have, yet they advertise that you 're not liable for fraudulent charges on their XXXX advertisements. On my phone call on XXXX/XXXX/2015 the Customer Service agent REPEATEDLY assured me that the funds were pending a refund and WOULD BE CREDITED TO MY ACCOUNT on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.

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 2015-12-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Due to family illness I was unable to submit the annual occupancy statement for XX/XX/XXXX until XX/XX/XXXX. For efficiency I faxed the form to the fax number listed on the letterhead of the Champion Mortgage form. Three months later I received another request for the same form. I called the company number on the letterhead of the form and was given a different fax number and faxed a copy of the form I had faxed on XX/XX/XXXX. After receiving letters threatening foreclosure I sent by certified mail for which I have a signed receipt the original document which I had faxed in XX/XX/XXXX, a letter stating why I had been unable to submit the form on a timely basis, copies of XXXX utility bills and XXXX DTV bills. The receipt was signed on XX/XX/XXXX. Approximately 3 weeks later I recieved anothher letter suggesting I seek counseling for the pending foreclosure action. This time I called and was told there was no record of receiving the information which I had 1, 2mailed. On XX/XX/XXXX I faxed all of the information I had sent by certified mail and a copy of the signed receipt for the certified mail. On XX/XX/XXXX I spoke with the lady I had spoken to the day before. She confirmed receipt of the documents and told me that I would be contact by someone in Document Support to verify that that department had everything they needed or be informed of what other information that would be required. Today I received a call from a different person who stated that they had only received the occupancy statement. PLEASE HELP ME before this matter moves to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a business checking account with U S Bank for more than 10 years.The bank CHARGES EXCESSIVE FEES at the expense of the struggling, hardship and misery of a small businessman like me..I ask them to help me to process credit card transaction on my place of business last XXXX XXXX. After 9 weeks of no activity, people are not buying or spending anything and no transactions on credit card machine, I inform the bank that I can not continue to operate at loss every week, told them I will be GOING OUT OF BUSINESS. The bank told me FOR THE FIRST TIME after 9 weeks, that the credit card machine contract is NON-CANCELLABLE..The bank should have told me that from beginning. Deceiving and un-ethical. The bank told me I have to continue paying the LEASE @ {$43.00} a month even though I am going out of business and no means of income from my business..The bank know from the beginning, I keep them inform every week for 8 weeks, that I am losing money ... It is deception on their part, unfair and un ethical. I bank with them for more than 10 years..Please help me to stop them charging me {$43.00} /month, and cancelled the lease. I also tried to talk to the manager of the branch, but the manager refuse to help me resolve the problems.. Thank you. 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 non-monetary relief