vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I was to receive approximately XXXX- {$110000.00} of debt relief on my existing mortgage with Citifinancial if I agreed to transfer my mortgage through XXXX XXXX XXXX. I began the process of transferring my mortgage to XXXX XXXX XXXX in XXXX of 2015. In order for the new mortgage to be accepted ( it was an FHA loan ), I needed to do some much needed repairs to the house. I began the hard work needed to make the house pass the inspection required by XXXX XXXX and FHA. The repairs consisted of siding the house and installing all new windows throughout the home. I am a school teacher so I do not receive a paycheck throughout the summer months. I have to budget sufficiently throughout the school year so as to have available the necessary funds needed to get through the summer. Unfortunately I had to use those funds to prepare the house. I felt this was a good trade off however because I would be getting the debt relief mentioned above. As time progressed, one thing after another came up causing me to have to take additional steps and slowing down the process. Throughout this time Citifinancial kept sending updated payoff worksheets to myself and XXXX XXXX. All of my creditors were left hanging throughout the summer as there simply was n't any money left to pay them due to the numerous financial issues that needed to be addressed in order to secure the mortgage transfer causing my debt ratio to go down ( which was the need ) but also causing my credit score to plummet as well. My electricity was almost shut off. My car payment was in arrears, as was my cable, phone, insurance, and property taxes. In XXXX of 2015, school was back in session, the paychecks were once again coming in and I started the slow process of using my income to dig out of the hole I was/am in. On XXXX XXXX, 2015, Citifinancial issued a new payoff worksheet that is good through XXXX XXXX, 2015. When my agent from XXXX XXXX XXXX contacted the Citifinancial branch in XXXX, Connecticut to set up a closing date, she was informed by the branch that my mortgage had been transferred to another lending agency on XXXX XXXX, 2015. I did not receive any correspondence from Citifinancial or the new leasing agency XXXX XXXX XXXX prior to the transfer so I had no idea that this was to take place. Had I known of an impending transfer, I would have insisted on a closing date that would have been prior to XXXX XXXX, 2015. If my mortgage had been transferred to XXXX on XXXX XXXX, then why did Citifinancial issue an updated payoff worksheet dated XXXX XXXX, 2015? Now I find myself in a situation where Citifinancial says they ca n't do anything about it because they no longer hold my mortgage, XXXX will not give me the debt reduction that Citifinancial was giving me, my credit score is horrific, and many of my creditors are calling me daily demanding payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the 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 monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I received an email from my boss authorizing a wire payment for {$21000.00} to be sent to a consultant named XXXX XXXX to an account at US Bank NA in XXXX XXXX, MN. I sent the wire and then confirmed this with my boss. He then told me that he never sent this email. The email turned out to be a " spoof '' from someone who hacked into our email system. I promptly informed XXXX XXXX XXXX ( our bank ) to recall the wire and they confirmed later that day that the wire had been recalled. Today ( XXXX/XXXX/2016 ) I called XXXX to confirm and they told me that they are not sure that they could recover the wired funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied for the XXXX credit card last month for the bonus award night benefit and they announced that they are taking the benefit away right after I got approved for the card. The card is useless to me now and I wasted a credit inquiry and {$75.00} annual fee. The card member agreement specifically mentions the bonus award night after paying the {$75.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schreiber Law LLC
State: MA

Complaint narrative:
I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.

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 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I have repeatedly Tried to get the First National Bank of Omaha to correct it reporting of my account information to the XXXX major credit reporting agencies. In every instance, they failed to correct their miss- information. XXXX says they have checked the information but that is an outright lie because if they had it would have been changed. Their actions have a major impact on my credit score and should be changed to reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX. I was a student of XXXX at XXXX, XXXX & wanted to study XXXX. But I was XXXX to XXXX during the enrollment grace period. 
When I returned, I visited the school that had relocated to XXXX. I was told by the financial aid counselor that I could return to school & pick up where I left off if I was willing to start making payments toward my loans. Then the school closed down because their parent company XXXX ' is responsible for cheating the XXXX & other affiliated schools students out of {$30.00} XXXX dollars. I was contacted by a collection agency 'Elan Financial Services XXXX who tell me that I owe them {$10000.00} for an education that I never received. I admit that it was my fault for being put in jail for selling drugs on the streets, but I fully expected to be able to return once I was free. 
I am unemployed but willing to pay Elan $ XXXX until the loan can be satisfied. I do not feel obligated to make any payments, but in order to clean up my credit & be enrolled in a future school, I am willing to be flexible. I am in another location, but have an address as well as a phone # which I will provide upon request. Thank you very much for your time & patience.

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 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Brian P. Mickles, PLLC
State: NC

Complaint narrative:
This supposed law firm took a judgement out on behalf of XXXX for unpaid child care in XXXX, no where on this contract did I sign or was responsible for the debt. My children 's mother is the one that enrolled them. I was never informed of this court case in XXXX or was presented with paperwork in XXXX. I only found out about this when they began garnishing my wages this year. Upon contacting them they stated that they have tried to contact for the last several years, I have lived in a different state since XXXX upon leaving that state all of my mail was forwarded to a different address in NC. I have never been contacted via any outlet. No mail no phone calls no nothing. When I asked them for proof of debt they only sent me a computer generated statement with my children 's mothers name on it. No where is my name on their proof. When asking for other proof I was told they could n't and would n't provide. I am wantino all money that has been taken from me and is continuing to be taken to be returned immediately. They will not even prove the debt nor will the respond when I have contacted them via phone calls and email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
U.S. Bank has consistently charged overdraft fees to my account when there was in fact money in the account. On the most recent occurrence on XX/XX/2017, the account was never negative. They indicated that they charged an overdraft fee because there was a pending charge that could have put the account in a negative state if it cleared before the check in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so 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