vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I 'm a victim of identity theft. US Bank XXXX is reporting a credit card that is not mine. I 've disputed this account and it has not been deleted off my credit. I have a police report and identity theft affidavit that I will include. Please delete this account off my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was told if I open a US Bank credit card and kept it in good standing I would receive a {$100.00} credit. I have not received my credit and after repeated calls I still do n't have my credit. I have kept my end of the deal but US Bank has not.

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 2017-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
My wife and I applied for a home equity loan at USBANK and the process started off with the standard disclosures. The process seemed to start off fine with what was requested, but after a while the online secured portal system was not very clear. I was transferred to a couple different processors and main items were request multiple times. I was told thru the process my financials look fine and the appraisal was order on our home. Overall this process has taken 48 days and now they are declining our loan based on my income. My income according to another financial institution is fine and I will be closing a HELOC with that Bank which only took 10 days to process the application and are ready to close. I feel USBANK wasted our time and negatively impacted our credit score by pulling our credit with no commitment to see our application to the finish line. I have all the various email correspondence and screen shots of the application portal. US Bank has yet to return my phone calls and go over the underwriting which they have incorrect. I requested specific reasoning and they have yet to share it with me and my wife in detail. I am also trying to download my disclosure from the application portal, but they have limited the access for me to view.

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 — Other mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
two years ago i bought a piece of property to build my house and I got it staked out septic designed and acquired the permit. A year and a half age I was rear ended in a car accident and could not work for a year because I did not get the medical attention that i am owed. The affordable care act was passed and approved by the supreme court so the quality of our lives would not be reduced. Because of the gap in income it is almost impossible to get a loan as well as now being forced to work a forty hour a week job and have to build it on the side while homeless because of ongoing issues that the doctors will not treat me for. My quality of life has decreased and will decrease further if the almost {$40000.00} of my own money i spent will be wasted because the government is not following through on their promises. and renting or buying a house than i do not like is not going improve the quality of my life as well as i would need my {$40000.00} returned

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
There is a fraudulent charge on my account. I have contacted the fraud department on numerous occasions about the matter. However, now they refuse to speak with me about the matter and XXXX of the representatives went as far as to yell at me and then hang up when I only asked for her to repeat XXXX sentence because I was taking notes.

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 2016-08-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XXXX, 2015, I received notice that the interest rate on XXXX of my Guaranty Bank credit cards through Elan Services, was going to nearly double without any justified reason. I sent in a written notice as was procedure that clearly stated I did not authorize any interest rate increase or closing of my account due to my refusal to have the interest nearly double without any justified reason. I never received a response and Elan began charging me the increased interest rate. In doing so, they raised my minimum amount due on a monthly basis by such a large margin that it became impossible to pay the full amount each month. I have made multiple attempts to contact the company and inform them that they had received notice in a timely manner that raising the interest rate was not authorized, but the company has blatantly disregarded the information that I have attempted to provide to them.

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 2015-05-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
When I signed up for the XXXX XXXX XXXX, a " bonus award night exclusively for card members '' was promised on award stays. Recently this benefit was removed. Despite the bonus night benefit being removed, the annual fee is still unchanged at {$75.00}. I have had this card for two years, but with the loss of the bonus night, it is much less useful for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Principal Group, LLC
State: ME

Complaint narrative:
I, my friends, my family, and my employer have all received multiple phone calls from an agency, purportedly to collect a debt. When describing the ways in which these collectors have violated the FDCPA, I had XXXX or XXXX different options from which to choose. These people have refused to verify any debt. They have refused to disclose from what agency they are calling. They have called my employer repeatedly, after the human resources manager hung up on them, in an attempt to block the line. They have called my employer threatening to serve me with papers, and asking how they can contact me. They have used false court filing numbers ( such as case numbers, etc ), as though a debt had been litigated already. They have used generally abusive language, have been harassing, and have used false telephone numbers, spoofing the number of my local court house, to convince me that they were calling from a governmental agency. In their latest attempt to contact me, they inadvertantly left a name of their agency which I could then research online. I have since submitted a complaint in writing to them, requesting they cease all telephonic communications with me. If they violate this request, I have informed them I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: NH

Complaint narrative:
Pre-Approved Loan which company gives you a contract and monthly payment chart. Then waits 3 days and declines you for the loan. I think it 's False Advertisement because they pull your credit then the bank that works with them sends you the contract etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid off my equity loan and ask the bank employee to close my account. Also there was an overpayment of {$1000.00}. It happened in XXXX XXXX of 2015. It has passed a month without a refund of the overpayment when I went personal to the bank branch to ask for the refund. XXXX XXXX, the personal banker called the department that handle it and he was told that a check have been sent to my address, but if I have not received it, they will place an stop paymen t in such a check and issue a new one. So far I have not received the check, but continue receiving the bank statement, that mean my account have not been closed as I requested and the overpayment check has not been made. 
The bank account is # XXXX, Fifth Third Bank, North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIRST US CAPITAL LLC
State: NY

Complaint narrative:
Has left numerous voicemails on my and another person 's phone saying that I have a claim filed under my social security and threatening to take legal action. Were never able to tell me what it was for. The callers name is XXXX XXXX. After that, started receiving calls from XXXX and XXXX XXXX. The callback number was always the same. And still called 3rd party about my personal affairs and left voicemails. The number is : XXXX they say that they are calling from first U.S. Capital

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NV

Complaint narrative:
I am being repeatedly attacked throughout the day under numerous phone numbers by United Recovery Systems. I am being harassed and want this to stop. They also call the home landline under XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: MD

Complaint narrative:
United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a formal complaint against Wells Fargo on XXXX XXXX. Wells Fargo sent me a letter saying they were investigating my claim and would get me an answer by XXXX XXXX. It is now XXXX XXXX and I have never received anything else from Wells Fargo. I have since been forced to file Chapter XXXX Bankruptcy to prevent them from foreclosing on my home. My mortage is 36 % of my gross monthly income, my loan originated before XXXX of 2009, my sister had XXXX and lots of medical bills so I have a real reason for hardship. I have been trying to get assistance from Wells Fargo for almost 18+ months now. I was hoping that they would do the right thing since they knew the CFPB was looking into this, but they are still giving me the same old run around. Wells Fargo is lying and trying to say that I have a lot of equity in the house and that is the reason they are denying me. Is this a valid reason to not give hardship assistance? I had an independent appraisal done and it clearly shows that there is not much equity. Please help me get what I deserve. My only source of income is housing international students and if I have to give up my home, then I will not be able to survive. Wells Fargo told me to get behind on my payments or they could not help me, they have changed relationship managers on me multiple times and now they are trying to deny me saying I can just sell the house and get my money out, but I do n't feel like I should have to move and I would not get enough money out of the sale of the house to survive. I implore you to please make my file a priority. I am not looking for charity. I am just looking for what I qualify for.

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 2016-01-13 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I purchased a cashiers check to secure a rental home for my family. After the funds were sent but before the check was processed, I was unable to reach the property management company and suspected fraud. I contacted Navy Federal and was told the check had not been processed and I could stop payment on the check by filling out an affidavit of loss. I did this right away and the funds were credited right away. 7 days later I receive a call from navy federal informing me that the check was presented for payment and the funds were deducted from my account. I explained the situation again and they refused to reverse thier decision. I tried to escalate this to a supervisor and was told the person I was talking to was a high as it could go. I have been a customer of this bank for 20 yrs and have never had an issue like this before. They lied to me and have refused to make it right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
See the attached information from WELLS FARGO FINANCIAL NATIONAL BANK - I have NEVER opened a credit card with this " bank '' or had any other account with them until XXXX XXXX of XXXX XXXX, TN put my car purchase through the Wells Fargo Dealer Services that is located in XXXX, Colorado. I want this removed from my credit history and if it has affected my credit I will personally sue them and it will hit the world news. Apparently they are still scamming people and I will not tolerate this.

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 2017-01-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo established a savings account for me and my husband and told us there would be no monthly fees a XXXX DC branch ( at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX ). That was 4 years ago. Despite that they began charging me a monthly fee. We complained and they reversed the fees and stopped charging us. That lasted a couple years ... but this fall they began charging us again. When I called Wells Fargo they said that we were given incorrect information and that all their accounts have fees. We were basically lied to repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
After reviewing my credit report and noticed a delinquent account that I do not recognize this account. It apparently is a result of identity theft and needs to be removed asap.

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 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX had originally applied for a mortgage modification in XXXX. After XXXX submissions ( they lost or misplaced XXXX ) finally the XXXX was discovered and they assigned an account person to our case. After a few weeks we were notified by phone that the application had been approved and they would be sending us paperwork and agreement. The agreement was a lowering of our payment to {$1300.00} per month and interest rate reduction to 3 %. They also instructed us to NOT make any mortgage payments as this would delay processing. After a few weeks of not receiving anything or being contacted we called them. We were told that our agent was no longer with wells fargo and they had no information on our new mortgage modification agreement. We were told we would have to resubmit paperwork. My wife and I were disqusted with wells fargo and decided they were not going to do anything for us. Wells Fargo continued to send us mortgage modification packs ( at least XXXX ). Finally I thought I would try again. I called and told them our past problems and all the application submissions. I was told they HAD our application and it had been denied by a investor. Something they mysteriously never revealed to us in the past. I asked if wells fargo was holding the mortgage and who this " investor '' was. They said they could not divulge that information, but the investor refused to lower the interest or payment of the mortgage modification. I did n't know an outside investor had a say over mortgage. modifications and over wells fargo. We are still receiving mortgage modification packs from wells fargo, even though the had denied our application. We have had late payments in the past but are current at present time. Since the crash my wife has lost a substantial amount of income and we 've used savings and investments to keep up. I am retired and on fixed income. Wells Fargo has done nothing to assist, except send us foreclosure notices and threatening letters. Oh but they continue to send us the mortgage modification packs. What do they want from us, send in they application for the XXXX time so they can lose it or deny it again. So the " investor '' can deny it, sorry. I 've also discovered that the Office of Comptroller of Currency has a Consent Order against Wells Fargo for failure to comply. I believe this is about the same scenario as we 've experienced with Wells Fargo. Other Big banks have been released from this order by their compliance, Wells Fargo was not one of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation