vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I was sent an e-mail about applying for a loan and decided to call the number because I need a personal loan at the moment to help with some medical expenses. The loan officer told me that they would need my account information to deposit the loan for me. First, they had me do this cross verification process where they would deposit money into my bank account and then have me go to XXXX to send a money gram of the amount of money they had deposited in my account. They made a total of XXXX mobile deposits into my account, and I made the XXXX transactions requested of me by the loan officer in order to obtain the loan. Today, he had asked me to do XXXX final transaction in order to receive the {$5000.00} dollar loan, however, the transaction did not go through today because I now have a negative checking account balance of {$2900.00} dollars. The bank says because I gave the loan officer my account information and made the transactions, that I am now responsible to pay the negative account balance of {$2900.00} dollars. The bank had no process to report this scam I have been tricked into. I reported the scam to www.ftc.gov and they are supposed to be investigating my report. I feel that I should not be responsible for pay XXXX XXXX XXXX XXXX the negative account balance of {$2900.00} dollars because I was not the person who made the deposits into my account. The loan officer said that someone from the his accounting department would deposit the {$5000.00} dollar loan into my account once I had completed all of the transactions requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: 1st Capital Mortgage, LLC
State: OK

Complaint narrative:
We started the process of getting our Home Loan with XXXX XX/XX/XXXX, and were pre-approved with paperwork in to the underwrite by XXXX. We were told it would take 7 or 8 days to hear back from the underwriter. During this process, we sold our house under the confidence from XXXX that we had a loan to buy a new home. After constant asking, calling, and texting XXXX, as well as our realtor trying to get any info from them, we were told XX/XX/XXXX that we were not approved due to me having a part time job. This is 3 days before we were to close on our old house, and were supposed to close on the new house, and also 24 days after it went in to underwriting. This is well beyond the 7 or 8 days we were told. We came to find out that XXXX underwriters were fired, however, that does in no way make up for lack of communication with us. After speaking with XXXX to figure out a solution, we were told on XX/XX/XXXX they would make an exception for my job. We gathered paperwork up nearly daily as soon as we were asked for it, because now we were homeless and needing to complete the process. Instead of giving us all the conditions at once, they wasted time by adding a new item here and there. After another couple of weeks with little communication yet again and us having to postpone closing twice now, along with the seller getting upset that they were not communicating because it affected them, we were told no loan approval. Now we are out for 2 weeks of hotel costs, having to store our belongings and spending nearly XXXX dollars on that, and nearly having to eat out every meal. We went with a new lender and signed disclosures day 1, it went in to underwriting on day 2 ( friday ), out of underwriting that Monday, and told we were officially closing on Wednesday and we closed XX/XX/XXXX. The stress and financial burden caused by there lack of communication and lack of professionalism was unacceptable. I have sent the manager XXXX emails now and have not been responded too at all. I was asking for financial reimbursement and am now being ignored. I know his email works because he responded to our realtor about something different and he also texted me about something different as well. I want to do it in email to have proof of response instead of just verbal. We would like to work this out directly but they are leaving us few choices. We have been suggested small claims court as well by reputable people, but we were first told to try and go through Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I co signed a car loan for my daughter after it was all said and done i was first on the loan. My daughter made payments Santander applied payment to the wrong account once that started my daughter got behind on her payments. Santander never once called me or sent me a letter to inform me that the payments were late and not made. With my name being first on the loan i would have thought the banking institution would have called me. When i found out the car was repo i called Santander to try and fix the problem. I could have got the car back for XXXX but, that was not the final fees once i went to pick up the car it was another {$1200.00} for fees towing, impound, cleaning, storing, gate fee etc. I was never told that by Santander. If Santander would have notified me I would have made the late/ missing payments ( XXXX ). There are bad reviews on this bank they are sneaky and not willing to be ethical in there business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I fell behind on my mortgage due to medical issues in XXXX XXXX. I hired an attorney to help me submit an application for assistance with my lender US Bank. My attorney submitted my complete financial package on XXXX XXXX, XXXX. US Bank sent me a letter dated XXXX XXXX, XXXX, confirming my complete application was received. My attorney has been contacting US Bank since then and they now say there is no review open and they have no status of my review. According to my attorney, RESPA Reg X requires my lender, US Bank, to give me a decision in 30 days after receiving my complete application. Today is XXXX XXXX, XXXX and It has been 45 days since my application was confirmed complete. I have no review open and I am getting closer and closer to a foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I was going through some records and came across a fraudulent charge on one of my cards dated XX/XX/XXXX. I brought it to the attention of us bank and they told me they would issue me a credit on my card for the full amount of XXXX. After waiting several months with no credit I called back in and they told me that they now were not going to issue me credit because too much time had passed. It is my understanding that I have zero fraud liability and there is no timeframe associated with that. The us bank rep told me it was company policy to deny claims after a certain timeframe.

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 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX someone performed a levy on my checking account for a debt that I did not owe. I took them to court over the levy, won and the money was refunded on XX/XX/XXXX to my checking account. 

Due to this being incorrectly levied against my account, I was charged a {$100.00} garnishment fee and incurred XXXX {$36.00} overdraft fees. 

On XX/XX/XXXX I called US Bank. The customer service people were very understanding and refunded me the overdraft fees. They informed me that the {$100.00} garnishment fee would have to be refunded by a different department and that they were currently closed. They gave me the telephone number for the Garnishment Department of US Bank in XXXX Oregon which is XXXX located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. The manager of the customer service line assured me that they would notate the account so that I would not have to explain the situation again. 

On XX/XX/XXXX I called the US Bank Garnishment Department in XXXX Oregon at approximately XXXX central. A woman named " XXXX '' answered ( she - when asked - would not give me any last name, employee number, name of a supervisor or any other identifying information ). XXXX told me that even though the money was garnished incorrectly that she would not refund the money. I reiterated to her that a judge had ruled it was a mistake and that managers of the US Bank less than 24 hours prior had authorized a refund and told me so. She said that no judge could tell them what to do and again refused to refund the money without even checking the notes on the account that was taken from me for a garnishment that was not mine and that a court found was not mine. 

We need the {$100.00} to buy winter clothing for our children and are victims of predatory fees for things that I had nothing to do with and for things that were not mine. I know {$100.00} may not mean much to many but it means a great deal to us. 

Thank you in advance for your assistance in getting this 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 explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: IN

Complaint narrative:
U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES.

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 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
The US Bank have FAILED to respond my complaint filed on XXXX/XXXX/2015 within a reasonable time having all the financial record 's information on their files about my checking account 's overdraft coverage terminated without notice and the 400 minutes telephone calls recorded by the Bank which are sufficient information for the US Bank to respond to the Consumer Financial Protection Agency. Additionally, the US Bank 's Customer Survey of my call made on XXXX/XXXX/2015 which the US Bank offered the choice to have their customer service representative to call me back to present an apology for the abusive manner she exercise against me demanding immediate payment was not done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
1 ) i applied for financing to USBank to help purchase a XXXX used XXXX for my son. I received a letter from USBank on XXXX XXXX, denying my application based upon the following information obtained from XXXX XXXX : credit score of XXXX. They then listed the factors which they claim adversely affected my credit score. In fact, my " Excellent '' credit score and disclosed income has allowed me to obtain credit over the years and recently in many multiples of the approximate XXXX i was attempting to finance. There must be other insidious factors at play. 
2 ) An apology and an explanation for the denial other than " Your credit score : XXXX ... '' 3 ) You have asked that i not include personal information. i can be contacted at XXXXXXXXXXXX 4 ) XXXX ( XXXX ) purchased from XXXX XXXX, XXXX, Illinois

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had rented a XXXX XX/XX/XXXX. Even though the transaction was paid for in cash, there was an unauthorized holding/pending charge placed on my US Bank debit card which overdrafted my account. XXXX ONLY had my credit card information because it was required to reserve the rental. The charge pended on my bank account, then disappeared, as it was NOT legitimately authorized and ran mistakenly, unbeknownst to me. As a result of the charge pending, several overdraft charges ( I believe XXXX ), were charged to my account. I contacted staff at US Bank in XXXX, Ohio to contest the fees, as I DID NOT authorize the charge which then disappeared, leaving nothing but the fees. 
The fact that I did indeed have money in the account is observable due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). 
I was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks. 
Honestly, I have better things to do with my time than argue with banks over fees which I did not incur through any fault of my own. 
I am now in the " XXXX '' for a negative account which was solely the fault of the financial institution itself, and by them not honoring their policies for unauthorized charges causing fees.

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 2015-04-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My wife and I recently signed up for the US Bank XXXX XXXX credit card. The credit card is suppose to come with a XXXX night free award night after paying the {$75.00} annual fee. Well, 1 month after paying my annual fee on my card and my wife 's card XXXX XXXX ended the XXXX night free award without any notice at all. They are not honoring the terms that we signed up for! I am supposed to get XXXX night free with the card per agreement after paying the {$75.00} fee. The agreement we signed up for clearly says that XXXX night free award after paying the {$75.00} annual fee. They have to live up to their terms & conditions here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC
State: MI

Complaint narrative:
I took out a payday loan in XXXX which was paid in full. Now, 11 years later I have a company contacting me constantly stating that I never paid the debt and that they are going to sue me. They have even contacted my family members and my in laws ( whom I did n't meet until XXXX ) I have explained to the company that I do not owe anything for that loan and they become rude and start calling me a liar, etc. I honestly believe that they got a hold of my information somehow and are just trying to scam me out of money. The original creditor has never made any attempt to contact me in regards to any discrepancies on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I purchased XXXX gift cards each for {$490.00} + {$5.00} activation fee for each card. When I tried to register and use the cards, I was informed they cards had been " compromised '' as the cards were attempted to be used several weeks before I even purchased them. So they were not activated as a security measure by the company. They informed me they would send me out XXXX new cards to replace these cards. The XXXX new replacement cards were loaded with {$490.00} - {$5.00} fee. So for buying XXXX cards originally, I have now been charged fees on XXXX cards, the XXXX original and the XXXX replacement cards.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I purchased a home on XXXX XXXX, 2016. I prepaid {$1100.00} in interest for the month of XXXX to the originator ( Bank XXXX ) as part of closing ( found on the XXXX. ) The mortgage was then sold to another bank ( Bank XXXX ) on XXXX XXXX, 2016. Bank XXXX only reported ( on the XXXX ) the interest paid between XXXX XXXX and XXXX XXXX, 2016. Bank XXXX only reported interest paid between XXXX XXXX and XXXX XXXX, 2016. This left an unreported sum in the amount of the difference between the prepaid amount and the reported amount from Bank XXXX - which has an impact on my taxes. 
Bank XXXX stated that they are n't responsible for any prepaid interest made prior to their purchase. Bank XXXX stated that they only report the interest paid/applied while they owned the loan. Both are adamant that what they reported is accurate. If that money did n't go towards interest, where did it go and why is the consumer ( me, and I imagine many others ) getting XXXX out of the reported interest paid on the loan due to a mortgage transfer?

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 2015-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: AZ

Complaint narrative:
Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is a follow up, with additional information, to Case number : XXXX In the original complaint, I stated that I was reapplying for the line of credit ( per US Bank 's instructions ), so that my interest rate would be based on the correct credit score. However, I received a piece of mail from US Bank today reflecting the credit score used for the reapplication. It reflected it at XXXX credit score as of XXXX/XXXX/16. However, I now have proof from XXXX that my credit score was XXXX as of XXXX/XXXX/16. While I was trying to give them the benefit of the doubt in the first place, it now seems that they 're systematically shaving XXXX points off my credit score prior to determining the rate. This is absolutely ridiculous, and I 've now spent hours on the phone trying to get some resolution. US Bank barely even seems to be able to understand the problem, let along who can or how to fix it. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
My mortgage has been paid off for over month yet my escrow has not been received address XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! 
XXXX XXXX at 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