vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XXXX I placed an online order with XXXX. Their website refused both XXXX and XXXX XXXX times.The site said the charge was refused.When I called XXXX the person said they got the wrong expiration date while I was looking at the order form which showed the correct dates.The only payment that was accepted by the website was Paypal. When I got the statement from Paypal I asked for a paper statement which I never got.The next month ( XXXX ) I asked Paypal to bill my Visa which they never did. Now Paypal wants late and interest fees when I have already sent them a check for the original amount.This month they want additional late fees even though I have written them to cancel my account. I tried to pay them twice and they refused both. They want my bank account numbers which I absolutely refuse to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted my payment through the Carrington Mortgage website. A week later I received a letter stating that the payment date, amount and confirmation number of that payment. 
On XX/XX/XXXX I received a letter stating that I did not pay my mortgage and that a fee would be assessed. When I called the company, they said that they could not locate the account and that since payment was not made in time, I was late. When I asked why they did not contact me and let me know that they could not find the account information, and that I received a confirmation of payment letter, they stated that they " manage XXXX mortgages and that they may not have gotten to me ''. When I stated that this was not my fault, they said it was they stated " it was my fault because it was done through the website and I entered it incorrectly. ". I said " how do you know that and if that was the case why did n't I get a notification that you did not have the right information instead of a confirmation of payment? ". They referred me to the voicemail of a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
When using a Bank XXXX Texas XXXX credit card, I have had several fraudulent or unauthorized charges on it and have repeatedly contacted XXXX by phone, written correspondence and fax. I have told them specifically what charges are not mine. They have repeatedly asked for the same information already provided. The last phone contact was with them 2 weeks ago at XXXX XXXX XXXX XXXX option # XXXX when speaking with the " manager '' who said it would get it straightened out. Nothing has happened. I have alerts on my account for when charges are made and credits back to it. I have only gotten alerts for additional unauthorized charges. I stopped using the card since I had pain in full the charges I made. I have not received any credits to the card alerts. Please make them do what they are supposed to. Thank you. 
In addition to some of the e-mails sent back and forth, I have signed and returned by mail and fax, all the documents they sent me to get this done. They keep saying they did n't get them, etc. when I faxed them and have spoken on the phone to them about them. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : The following charges do n't belong to me XXXX {$17.00} XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX {$27.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1.00} XXXX XXXX Please credit these unauthorized charges. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : XXXX XXXX XXXX for {$38.00} - XXXX charges should be credited. 

XXXX XXXX Storage- $ XXXX charged. Already paid XXXX. Sent this info. to you before. 

Thanks. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX at XXXX the following message was sent : This transaction is not an authorized transaction. Please credit this charge. 
Thank you. 

XXXX/XXXX/XXXX AUTH : XXXX *XXXX {$17.00} On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : I thought you said you already stopped this unauthorized charge. It looks like you have n't done anything on the unauthorized charges with the information and completed form I sent you weeks ago. 
Please note I will not be paying any more credit card bills in full and waiting for you to do your job of removing the unauthorized charges. And, I have stopped using this card and wo n't resume unless and until you have corrected the balance. 
If I need to contact Bank XXXX Texas to get you to do your job, I will. 
As I have repeatedly told you, if you need more information call me. 
XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX CA {$17.00}

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 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX and my son had established checking, savings, commercial, credit card accounts with {$2000.00} in checking overdraft protection with US Bank in XXXX MT for at least XXXX years. I was insured under the FDIC for XXXX XXXX fraud but was never informed that the monies US Bank took without my consent was illegal under the rules of the FDIC. They violated many rules and I was a victim as documentation I 've included shows. The prosecuting attorney in this case told me after catching the lady behind this scam that US Bank will pay all monies taken from me and restore you and your sons credit due to them being insured by the FDIC. US Bank will not pay me for any money they took out of both my sons and my account. They cleaned me out of all monies in XXXX and my checking accounts, took {$4000.00} in overdraft protection, left me and my son bankrupt, bounced checks, mortgage went to XXXX % & the letter attached sums up the events that followed. What I did n't no then is I was insured by the FDIC and being an innocent victim this tsunami US Bank caused to me and my son should of never happened in the first place and the prosecuting attorney agreed. I paid back all the money to try and save XXXX and my credit. To this day XXXX credit is ruined and so is mine & to this date no restitution has been paid from US Bank. I 've tried to talk with US Bank for years and their response is we ruined your sons credit and yours and we owe you nothing. I asked to talk with the President of US Bank in XXXX, MN and a cubical employee would not allow that and the FDIC says to settle this major issue with US Bank. I need your assistance in this matter due to their negligence, and ignoring my requests.

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 2015-07-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Premise : I ordered book of checks via US Bank web-portal service. 
Few weeks went by, still not having received the checks, I called in to find out that they have sent it to some random address. The rep then proceeded to cancel the incorrectly mailed checks, and issued me new ones with the correct address. 
Here is the caveat : the rep issued the new checks with EXACTLY the same number of the checks he had canceled therefore rendering all newly issued checks useless. 

Result : All the checks I had wrote ( lot outstanding keep in mind as I had to wait about 2 months from the initial ordering date ) were bounced. Out of all the bounced checks, XXXX was actually to the XXXX, where we had paid higher premium to have an application expedited for a family member. What was suppose to be the tail end of 2-3 month process had to start ALL over, not to mention penalties that came along with it. 

Actions taken : I called multiple times and was assured multiple times that a supervisor would call to discuss reimbursement of the penalty fees applied for parties that deposited the incorrectly issued checks on behalf of US Bank. 
Even to their request, I had emailed over two attachments illustrating all the bounced checks/fees and even the rejected application letter from US Government due to bounced check. 

To this date, I still have nothing resolved. No reimbursement of the bounced check fees for my other parties. Nothing was done at all, other than an apology letter that says to call their XXXX number for any questions. 

Extremely frustrated, unprofessional and simply unacceptable for a banking institution to mess up to this degree and leave it unresolved.

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 2016-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
The US Bank has posed itself at the College throughout the Semesters as, a protection in the Monies of College Students that is, in Management of XXXX Monies, Merchant Disputes as well as, Monies Management for Veterans and Students XXXX and their Incomes. 

I was very Satisfied with their Service for the 1st Year yet, I feel as if have fell Victim of a Managed Change, in Discrimination and Harrsassment of the Dispute and Resolution Department. 

The Bank should stand behind its Clients especially, in the Honesties, Care and Respect of Students, Veterans and Students XXXX. Repeat Domestic Finance and Repeat Cruelty without Minimum Recoveries from the Bank is Very Poor Job in a " Discrimination and Harassment ''.

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 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Us Bank wrongfully placed a garnishment on my bank accounts. They did not verify the ssn with the collection agency, then were not helpful, in fact were quite condescending and dishonest, when trying to resolve the situation.

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 2016-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. 

On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a fraudulent charge on my account from a service i had canceled. I called U.S. bank to ask for a stop charge because my account was overdrawn. He agreed to stop it but it was never stopped. The charge went through and i was charged the XXXX dollars. I called back had the XXXX $ refunded but there charge caused me to have XXXX more overdraft fees. They agreed to refund XXXX of them because it was there mistake but not the third because i had agreed to pay the XXXX $ for the stop charge that never went through. The overdraft fee is keeping me in the negative and will have more overdraft fees by tomorrow morning even though i had depositied XXXX dollars cash into my account to cover the cost of my purchases. they are charging me several over draft fees for a service they said they would provide but never did. I have no control over the situation and they refuse to refund me the total amount they have basically stolen from me. I have direct deposit and can not avoid my next check being half of what it should be, which is tomorrow XX/XX/2016. They say its there policy not to refund all overdraft fees, even though it was there mistake that put me in this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We are XXXX military and XXXX after we bought a house. We tried selling our house many times and could n't bc we owed more than we could sell it for. So we opted to do a short sale. We have had XXXX good offers in for this short sale and we are about to lose this XXXX offer bc the bank is taking to long. Every time I call its always in process. We had this offer in since XX/XX/XXXX and cant afford to lose this buyer. I feel like the bank is taking this long on purpose for XXXX reason.! - bc we are XXXX military and they know if we fall back on payments they can contact the command and XXXX bc we are still paying on the house and have never defaulted that they are still getting their money. If we had missed 3 payments then I 'm sure this house would have been sold already. It is not our fault that the military XXXX and weve done everything the right way and kept paying on this house. The house is not worth what we owe on it and therefore we cant sell it. When you have a good full cash offer in why would you just sit on it. Its putting a lot of stress on our house hold having to make a mortgage payment and rent. Can you please help us resolve this issue.

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 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
THESE CORRUPT BEINGS STOLE {$720.00} FROM MY SMALL BUSINESS CHECKING ACCOUNT ON XXXX XXXX, 2016 BY SUPERIMPOSING XXXX CHECK MADE OUT TO XXXX FOR {$160.00} WHICH CLEARED CORRECTLY ON XXXX XXXX, THE SAME DATE AS THE THEFT! ONE CAN CLEARLY SEE WHEN I WENT ON LINE AND VIEW THE CHECK THAT A BIGGER CHECK FROM XXXX XXXX XXXX IS UNDER MY CHECK BUT RATHER THAN THE AMOUNT BLOCKED BY MY CHECK, MY CHECK WAS MOVED AND MADE SMALLER SO THAT THE {$720.00} AMOUNT ON THE XXXX CHECK WAS USED TO DEBIT THOSE FUNDS OUT OF MY CHECKING ACCOUNTS WHEN THEY SHOULD HAVE REALIZED THAT THIS IS A DIFFRENT CHECK FROM A DIFFERENT BANK AND HAD NO BUSINESS TAKING THAT MONEY OUT OF MY ACCOUNT! NOW THEY SAY THEY HAVE TO RESEARCH IT AND THAT IT WOULD TAKE 3 BUSINESS DAYS TO RETURN THIS MONEY! WHY! IT DID NOT TAKE 3 BUSINESS DAYS TO STEAL IT AND THE MISTAKE IS CLEARLY THESE THIEVES! THEY SHOULD BE ARRESTED AND AM SERIOUSLY THINKING OF FILING AN AFFADAVIS ALONG WITH THIS COMPLAINT!

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 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
We turned our vehicle in on XXXX XXXX, 2016 well before the month end date of XXXX XXXX and yet US BANK says the vehicle was n't " grounded '' until XXXX XXXX. They are trying to charge us for an additional month 's Lease that we did possess the car. 
It should be noted that this situation has been going on since XXXX of 2016 with me calling US BANK each and every time they sent us a statement. They are so incompetent that the representatives had no clue as to what was going on ... they would say we were missing documents and at other times saying we did n't pay the mileage fee ... 

These people were the worst to deal with and each and every person I spoke with said the same thing about US BANK as being a terrible company.

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 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Accounts Service
State: CA

Complaint narrative:
I contacted the credit reporting company XXXX and XXXX that I had contested California account services collection service account listed as a negative on my report. I contacted the collections, they sent me a packet of nothing but bills. As suspected there was no proof other than a stack of bills. With XXXX a name on them no ID, No passport and no proof. As I had suspected.., it was not my account. I contacted XXXX and XXXX on XXXX and initiated a dispite XXXX quickly removed the account from my credit report!. XXXX is l still in process. California account services posted account to my credit as well as others damaging my credit as a result I loss my job of 24 years have no car to get to a job. Of equal pay and career level of XXXX. 
After winning at XXXX I received a poorly printed letter in the mail telling me they had raised amount due from? XXXX to XXXX over night. These people need to be reminded that they are trying to collect account from the wrong person and XXXX needs to follow and remove this account, As well. It is not ok to ruine some ones life on a bunch of bills with out any proper photo id on file, no copies of any ID. Just a stack of bills with names printed on them. 
I 'm sure the hospital treated Some one, but it was not me. Please remove from XXXX and provide documentation that the account ca n't be collected on in the future by being sold so when it appears again I have solid proof that it has to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation