vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home.

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 2016-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now.

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 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.

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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Last week I was contacted by phone by US Bank from an unknown number and was left a message about possible fraud on my US Bank issued credit card. I initially disregarded the call, because I do not have a US Bank credit card. I do, however, have a loan with them. Curiosity got me and I looked up a number for the US Bank fraud department and called. After speaking with the agent, we came to the conclusion that it was indeed an account that was opened in my name and identity theft was suspected. After I was transferred to the appropriate department, they informed me that the fraud was noted and they would send me more information in the mail. The next day, I needed to contact US Bank to check on the status of my loan 's payment status. While on the phone I was looking at their web site checking on my loan account there. The web site had the address of the fraudulent applicant! However, on the phone, I was told that the loan department had my correct information. I asked the loan department how and why this had happened, they said that it was the fraudulent credit card application that changed the website information. To change the information on the website back to my correct address, they transferred me to the credit card fraud department, which told me I would have to change the information on the website myself, that is, login and edit the information. So I went to the page only to learn that by changing the address, the bank would mail notification of the change to the prior address -- the fraudulent one! The US Bank informed me there was no way to fix that. So the identity thieves are going to be notified that I am on to them. US Bank also informed me that even though someone -- not me -- had opened a fraudulent account in my name, it was MY onus to make sure the credit agencies were notified. US Bank said they would only notify the credit agencies after US Bank sent me a regular post letter confirming the fraud. It is now over a week and I have yet to see that letter. I went ahead and notified the credit agencies on my own in the mean time. I have since been contacted by US Bank Fraud investigator, who informed me that not only had the card been sent to a different address ( the fraudulent address that was on the website ) than what I had on file with them, but that the card was also activated by a number that was n't mine. That is, the bank issued someone a card who gave them the INCORRECT phone number and address associated with my name. They in fact admitted that the information received was erroneous, but STILL issued a credit card.

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 2015-11-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been trying to get my loan straightened out for over 2 years. I must admit that I am partially responsible because I took some bad advice. I got behind in my payments and my problems seemed to just get bigger from there. I have been trying to get a loan modification through my bank and have sent in the same paperwork on at least XXXX occasions but ca n't seem to get enough. I have tried since XXXX 2014 XXXX last time and I had to file bankruptcy to keep the bank from putting my house up for auction. I thought I had all the paperwork in but I needed more. I have been trying to get my house payments figured out so I can start making them while I am trying to get the modification but I am having having no luck. I have called the bank to try to get some info and no one at the bank can seem to give me a straight answer about anything. I keep getting transferred from XXXX no nothing to the other. I had a person that was supposed to be my contact but he keeps transferring me to other departments and I have been on hold for up to XXXX min on numerous occasions and coming away with nothing. I have sent many emails to my so called contact that tells me he will check my account and get back to me but never does. I have sent letters to the banks ethics dept on several occasions about the problems I am having and they keep sending me the phone number of the same person. I have been trying to straighten all this out constantly over the last couple of weeks but am getting nowhere slow. Not XXXX person I have talked to at the bank can figure out how much my payments are supposed to be or anything concerning my account. All I want to do is to get some answers so I can start making my house payments on a regular basis as my house is going to go back on the auction block on the XXXX of XXXX. I am a XXXX year old XXXX XXXX vetran with some serious medical issues and the stress is not helping my situation XXXX bit. All I want to do is get some straight answers no handouts and nothing free and move on with what I have left of my life and not wind up on the streets. I have a lot of the emails I sent and received however I did n't start doing that until the last week. thanks for reading this. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was supposed to receive a {$200.00} credit for opening a new checking account. I met all requirements stated in flyer. Its been over 10 weeks and no credit has been made. US BANK is lying to consumers to get them to open an account with direct deposits. This is so unfornate and i hope they get sued for false advertising

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 2016-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: National Principal Group, LLC
State: WI

Complaint narrative:
Several of my family was notified that I had an outstanding loan from a Pay Day Lender. I never received or applied for. The name of the collection agency is National Principal. The phone # for them is XXXX. The address is XXXX XXXX XXXX. XXXX, NY. XXXX. The origionating loan supposedly came from XXXX XXXX. They claim that this loan was deposited to my bank acct. in XXXX. However, that acct. has been closed for 9 years. They called all of my family clearly stating that I was in legal trouble and to have me call them immediately to settle this matter before arrest. This loan was never applied for or taken by me. I spoke w/ my credit union and they have NO transactions in my name from either XXXX XXXX or National Principal. Incidently, they used my husbands SS #, my closed bank acct. and My 3 year old email address ( which was hacked and has been closed for 2 years ) to say it was me who took out this loan. They harassed my family, left threatening phone calls and threatened me w/ arrest. They offered to settle the acct. for {$500.00}. Fortunetly I did some research first. National Principal was so threatening I believe that someone may pay them just to get rid of their terrible harrassement. DO NOT PAY THESE PEOPLE. They are experts at getting your information, such as family phone # 's, SS #, bank accts. etc ... give them NO information! I am reporting this activity because we were led to believe that perhaps someone in our family had deceived us and taken out a loan in our name. NOT true. It caused a lot of stress and worry. It is a fraud and our XXXX XXXX was wonderful in helping us sort out this mess. Please, someone check into this and stop these people from harming more families. 

Finally, we never received a loan or monies of any type. It was stated by their " associate '' that the money was deposited and withdrawn from our acct. Our credit union proved to us that this did not happen. We at no time received a dime from this or anyother Pay Day Loan company through our XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
LONG STORY SHORT : UPON CALLING US BANK WHEN NOT RECEIVING STATEMENTS FOR MY CREDIT CARD, I WAS ADVISED MY ADDRESS WAS CHANGED IN XX/XX/XXXX. I REQUESTED TO CHANGE BACK TO PREVIOUS ADDRESS WHICH IS ALSO ON MY CHECKING ACCOUNT. THIS TOOK XXXX PHONE CALLS AND XXXX DIFFERENT DEPARTMENTS. MY XXXX REQUEST WAS TO GET STATEMENTS FROM THE XX/XX/XXXX DATE FOR MY RECORDS. WHILE ON THE PHONE XX/XX/XXXX IT WAS {$5.00} PER STATMENTS. WHEN I PHYSICALLY WENT TO THE BANK IT WAS NOT {$6.00}. I NEVER INITIATED THE CHANGE AND SHOULD NOT BE CHARGED. 

XXXX ISSUE : IF I NEVER INTIATED THE CHANGE THAT SHOULD BE THE HIGHER IMPORTANCE. 

XXXX ISSUE : I AM NOT PAYING FOR SOMETHING THAT CLEARLY WAS NOT AN ERROR ON MY PART. I WAS TOLD THE CHANGE WAS POSSIBLE A COMPUTER ERROR AS IT WAS NOT EVEN A LEGIBLE ADDRESS WITH ONLY XXXX DIGITS AND NO STREET NAME. 
LAST STRAW WHEN MANAGER XXXX AT US BANK XXXX XXXX XXXX XXXX XXXX XXXX, MN ADVISED ME " YOU DONT BALANCE YOUR CHECKBOOK '' WHETHER I BALANCE MY CHECKBOOK OR NOT SHOULD N'T DETERMINE IF I CAN REQUEST A STATEMENT FOR MY REVIEW IF I DID NOT RECEIVE PREVIOUS STATEMENTS. ONCE AGAIN AN ERROR ON US BANK 'S PART CHANGED MY ADDRESS AND THEY EXPECT ME TO PAY FOR IT.

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