vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
hardship, lost job applied for unemployment forbearance program, trial for 1 year, applied for permanent, denied XXXX, not enough income, making more then before.Said they could keep payments like in forbearance, half of my payment. ( XXXX. ) Paid XXXX in trial.Now want to do a short sale or deed in lieu.This is a scam, NO One has gotten these programs to help keep homes. Cause, I should have been approved to keep my home, never late, until hardship, never late on trial.Asked for information on how many people have ever gotten a modification. None. They offer to help, you go in program and then take your house.I want something done. This is fraud, they offer a service and do not follow though with it. False hope for home owners.Its a scam. No one gets programs.I have asked for information.Nothing, no one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance Collection Service
State: AL

Complaint narrative:
In my recent review of my credit report for XXXX/XXXX/16, I notice Alliance Collection service reporting account to XXXX reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Alliance Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$50.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated XXXX XXXX. I am able to send the documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: AL

Complaint narrative:
XXXX XXXX XXXX had been trying to collect XXXX to XXXX dollars on a US Bank account I had several years ago that I forgot to close after I moved and was no longer banking with them. I never owed and money or overdraft fees and US Bank was telling me I owed money for not closing the account. When I called US Bank to try and see what I could do to get this off my credit, they had sold the account to XXXX XXXX XXXX This company has multiple complaints with the XXXX for collecting money owed and not paying the debts off. I do not owe any debt! How can I get this off my credit? I ca n't even get a bank account. Please help me. I am a new mother trying to get my finances in order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XX/XX/XXXX we applied for a loan modification due to my husband 's unemployment and he had to have XXXX. US bank waited until XX/XX/XXXX to finally get back to us with less than a week for us to respond to their offer. The offer was reduced payments starting XX/XX/XXXX, but now husband is back to work and we do n't qualify for that. We tried several attempts to contact them. The woman that we are supposed to be talking to finally call us back and said she would fax a new form for us to apply for, but we have n't got. The deadline in XX/XX/XXXX We are willing to pay our mortgage, but we need help for the past months that we did n't have the income to pay it. It feels like they are playing games with us and setting us up to fail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I-have-been-going-through-the-Loan-Modification/Partial-Claims-Process-for-3-years-now, and-U.S.Bank-Home-Mortgage-and-I-had-already-reached-an-agreement, I've-done-all-they've-asked-me-to-do-and-beyond-I-was-sent-the-same-agreement-3, if-not4-times-along-with-my-agreed-payment-of-XXXX-each-time-and-all-months-inbetween-and-now-U.S.Bank-Home-Mortgage-says-my-Mortgage-is-more-and-they-sent-me-the-wrong-paperwork?! -I-received-more-paperwork-in-the-mail-and-it's-the-same-paperwork-I-filled-out ( more-then-once ) -3-years-ago-when-I-started-the-whole-loan-modification-Partial-claims-process! -It-looks-like-the-Bank-wants-me-to-start-all-over.-We've-already-reached-an-agreement ( XXXXmonthly-and-HUD-took-over-my-deliquentcy-amount ) -U.S.Bank-Home-Mortgage-is-breaking-the-agreement.Please-review-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 explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
A man introducing himself as XXXX XXXX leaves voicemail messages indicating that he is calling from the Law Offices of D Scott Caruthers and to return his call at XXXX. Calls on a very frequent basis. Calls are invalid and annoying. Bordering on harassment as the nature of the call is never disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We began with, XX/XX/XXXX, US BANK in XXXX XXXX CA to complete a refinance ( advertised loan at 3.5 % and no fees loan amount at {$1900.00} a month ) of our home mortgage, since our mortgage with XXXX increased to {$2800.00} a month formerly of XXXX XXXX XXXX who assigned/sold our original loan for processing to XXXX XXXX, w/o our consent. Finally, in XX/XX/XXXX, loan processed and our mortgage note on a monthly Basis became {$3200.00}. We have contested this, but to no avail ; they refused to lower the note as previously agreed toGFE ( Good Faith Estimate ), XX/XX/XXXX, loan amount of {$420.00}, XXXX @ {$2100.00}, 4.375 % 30 year fixed monthly mortgage note. We do n't understand how they can ad additional charges to our loan and expect that we pay this amount on a monthly basis for 30 yrs. How can we get US Bank to honor their commitment to us at the Original GFE proposed to us. This is not everything, but basically this the problem and we have met with the loan officer as well as Bank Mgr. of the XXXX XXXX branch asking that they work with us but they have refused to meet with us once again and/or reconsider our request to refinance at a lower mortgage. Please Help, as consumers Banks ca n't be allowed to deceive and/or provide documents at their discretion to arbitrarily disguise or changed the terms of a loan. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I received an email from US Bank stating that I was past due on my credit card. I have always paid my balance off in full every month. I called on it, and US Bank somehow changed my address on my account. They were sending my statements to an old address ( XXXX, XXXX, MO ). Then, they hit my card with late fees and interest, and they said the address could only be changed by us calling or the post office. I NEVER authorized my address to be changed. Then, they have hit my card again with a late fee and more interest charges as we have been trying to resolve the problem. Now, my privacy has been disclosed and my card # has been given to whoever lives at XXXX, XXXX, MO. I called them again tonight to see what is going on, and now they have reported it as a late payment on my credit bureau. I have perfect credit, and now it is going to take forever to get this situation resolved. I asked for a letter from US Bank stating this was their error and that I wanted it to be taken off of my credit. But, the manager ( XXXX ) stated that I would have to write a letter to their dispute department even though it was their fault my private information was being sent to an old address. Then, I asked how do I file a complaint with the CFPB, and they did n't know. 
Anyway, I just want this cleared up where it does n't show on my credit history as a late payment and a letter from US Bank stating this was their error.

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 2016-12-19 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 was charged excessive overdraft fees by U.S. Bank checking account. I would check the account every morning and night and discovered that I was getting overdrafts from three days ago when they said my account went negative. I then talked to a supervisor and told him that very morning my account was positive XXXX dollars at XXXX XXXX and then at approx. XXXX in the afternoon my account was suddenly negative XXXX dollars because they charged XXXX overdraft fees for XXXX day.

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 2016-11-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX-XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about 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 non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In late XXXX, I applied for a XXXX XXXX credit card from U.S. Bank. It advertised that for cardholders, the last night of each XXXX XXXX hotel award stay is free. I signed up for the credit card with that benefit as my primary motivation. Then, about a month after I received the card and after they charged me a {$75.00} annual fee for the benefit, U.S. Bank announced they 're no longer offer the last award night free benefit. I think that 's extremely deceptive. I called in to say how disappointed I was and see if U.S. Bank is offering compensation. They offered me XXXX XXXX XXXX points, which is next to nothing. For reference, the closest XXXX XXXX hotel to me in New Jersey is charging either {$100.00} or XXXX points for a room tonight. That 's a value of approximately {$0.00} per point. That would mean XXXX points is worth {$7.00}. That 's not even close to fair compensation for a benefit worth a free hotel nights ; a benefit that I already paid for through the 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 2016-09-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a Fidelity credit card which I paid automatically through XXXX home banking. Without my knowledge, the Fidelity was changed to Fidelity VISA with Elan ( I 'm guessing at the name ) Financial Services. I continued to pay Fidelity, which took my money. I never received any information from Fidelity or the new service about the change. 

I continued to check my account on Fidelity 's website. It showed my balance and that I had XXXX minimum due. 

Today, I received a call from Elan collection telling me I was 30 days past due and owed them {$670.00} in payments and fees. I told them I did n't know who they were and that I would not send them money or give information to unknown callers. 

I called Fidelity. The customer service representative said she would get her supervisor and, without warning, transferred me to Elan collection. I talked to a guy who only gave his name as " XXXX '' and would n't give me a last name. He told me they had hit my credit report and I had to pay. 

I explained that I never received any statement, information about this transfer, or anything to send them my payments, that I did n't know where they were coming up with such a large amount due, and that I had paid Fidelity. 

I then went on my XXXX XXXX XXXX homebanking to find records of my payments. XXXX XXXX XXXX, without informing me, had deleted Fidelity ( XXXX XXXX XXXX ) as a payee, along with all my payment history. I can find the payments on my statements, but no longer have a payee history record. 

I told this Elan company they would have to overnight to me all the documents they were required to give me, including statements, announcements, etc, before I could pay ; that I needed to find out what Fidelity did with my payments, and that I would be registering a complaint with the CFPB on how this was handled. 

If this has happened to me -- I 'm never late on my bills -- this is likely to have happened to many others during this transfer of companies. Even if it has n't, I do n't deserve late fees, collection, the hit to my credit report, or demands for a large cash payment by a company I 've never heard of.

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 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I went to a branch of my bank on Friday XXXX XXXX, 2015 at XXXX to deposit my paycheck. I had a question so instead of using the ATM I went to a teller. I asked my question and gave the teller my bank card and my endorsed check and she gave me back a slip. I checked the amount but I did not have my checking account number, I assumed it was correct. 
The next day I checked my account and found it was not deposited. I called the bank and explained the problem. I was told this was now a dispute and it could take as long a ten days to correct it. I tried to explain to the banker it was not my mistake and as it was my paycheck I could not wait ten days for my money, but was told sorry but there was no other recourse. If I overdraw my account they have no problems charging me fees and compounding them if I do not take care of it immediately how if it right for them to hold my money for ten days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
In XXXX I noticed and escrow disbursement that occurred on XXXX/XXXX/2015 in the amount of {$580.00}. After a quick phone call to US Bank, I was advised by a " Sr. Rep '' that a XXXX XXXX XXXX XXXX XXXX requested the funds. I advised the US Bank Representative that I was not familiar with a XXXX XXXX and that I needed this situation researched. On XXXX XXXX, I received a letter from the " research department '' of Us Bank basically advising me that the funds were sent back due to my escrow account being overfunded and the time of transfer. My loan transferred to US Bank in XXXX of 2015. I made my XXXX payment to XXXX XXXX. This was my XXXX mortgage payment ever. 
After being advised that my escrow account was over funded I did the research myself. Per my HUD Statement ( which I have attached ), my initial escrow deposit was {$1200.00}. I made one payment of {$470.00} to XXXX XXXX. If you subtract XXXX MIP payment of {$110.00}, that leaves me with a balance of {$1600.00} which was transferred to US Bank in XXXX, 2015. After these findings, I contacted US Bank again on XXXX. This time I spoke with a senior rep by the name of XXXX. After being put on hold for about 5 minutes at the beginning of the call, I was finally able to go over my payments. XXXX not XXXX acknowledge that there may have been an issue, in fact she stated that whoever she need to contact was not in the office. I advised her that I was not satisfied with her response, and that I was going to escalate this. XXXX 's reply was, " do what you have to do ''. Needless to say that I am a XXXX time homebuyer who also happens to be a supervisor for a mortgage servicing company, and this by far is not how this situation should have been handled. I would like to know why US Bank did not confirm that my escrow account was overfunded before they sent the funds. I know how escrow shortages work, and with my taxes going up for the year, these missing funds will have a major impact on my escrow, thus raising my payment in the coming year. I would also like to know why XXXX XXXX requested the funds without confirming that my escrow was over funded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC
State: ID

Complaint narrative:
I have gotten 2 collection calls from the NP group saying that I took out payday loans. I do n't remember getting payday loans. They said it was sent to a XXXX account and then I closed it to avoid paying the loan back. It took forever to get any paperwork from them they never told me it was an attempt to collect a debt. I paid them for one of the loans and luckily XXXX is taking care of it. Everything I call it does n't matter when number I call from or call to I get the same guy named XXXX. I feel like this is a scam and the government needs to investigate this company. The paperwork they had they said they would only email they do n't use the mail since it 's to slow and they want to close out the file they never told me the company the loan came from or what website I went to for the loan just that they got the file from XXXX. I found a number for them and it just keeps saying that they have. great offer from XXXX

Company response to consumer: Closed with explanation