vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AK

Complaint narrative:
I pay my mortgage in 2 payments every month. The payments are made by the XXXX of the month for the next month 's payment. For example, on XX/XX/XXXX I paid {$950.00} and XX/XX/XXXX I paid {$800.00} for a mortgage of {$1000.00}. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on XX/XX/XXXX I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win into when applying two payments ''. I have reviewed the policies for Usbank and it shows I can make two payments. Is it legal for usbank to hold me responsible for their errors when applying payments from their suspense accounts?

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 2015-06-15 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
An individual with a depository account at US Bank issued me a check from that account as payment. When attempting to cash the check at a US Bank branch, US Bank informed me that if I signed up for a checking account, then they would cash the check for free ; otherwise there would be a {$7.00} transaction fee. 

I take serious exception to the philosophical idea that a bank would charge a fee to cash their own check. They issue the check to their deposit customer as a service of that individual maintaining deposits within their institution. Then when that customer writes a check for payment the bank is charging a transaction fee for it 's use..? If the check is not accepted as a form of payment without additional fees, then why have a depository account? And why accept checks as payment? 

By the way, if I deposit the check in my bank and it does not clear, my bank charges me a fee. So depositing into my bank is not an option. 

If a bank is to be given the authority to administer checks on behalf of their depositors as form of payment, then they should be required by law to honor that payment. Coercing payees into opening an account or suffer paying a fee is not a useful means of monetary transaction. Ultimately, no one will be able to accept a personal check because even if the money is there, the bank wo n't honor it ...

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: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: WV

Complaint narrative:
Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval. 
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I was notified by my credit card company ( firstbankcard ) of fraud on my card. They immediately cancelled the card and notified me that a new card would be issued and that my old card balances would be transferred onto my new account. In addition, I would not be able to access my online account until the new card and balances were transferred. When I got the new card and viewed the online statement I was charged late fees and interest for an overdue payment on the old account/card which I had no way to access or know about. When I contacted the credit card company the fraud investigator ( XXXX ) from firstbank card was hostile and told me I just should have known it was owed or called them. I told her I could n't even access my online account during the time period in question because they closed it out and I do n't even have any detail on the balance due that I supposedly should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On my behalf, XXXX XXXX XXXX and XXXX XXXX XXXX, has sent a letter to XXXX XXXX XXXX, requesting in the spirit of good customer service, that XXXX XXXX XXXX exempt me from the balanced owed on the following account ending in XXXX and cease and desist all collection efforts on the above referenced account and have the account deleted from my XXXX credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.

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 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
Opened an account at u.s. Bank online not even a month after opening the account my card was compromised I freaked out and called as soon as I saw the authorizations pending the guy on the phone told me they were just authorizations and that they would fall off in three days they did n't fall off a few days later they posted to my account so I called again this time livid that I had been lied to but this was only the beginning of the lies the gentleman shut down my card I told him I would not be comfortable depositing anything into the account until the number was completely changed he said that would n't be a problem and so did numerous customer service reps I even have an email where one of these reps acknowledged she saw that in the notes exactly but I 'm getting ahead in the story so back to the second call I told him to turn off my overdraft before he transferred me to the fraud department me and the fraud department went through all the transactions I told him I had a car payment pending out and he assured me that my car payment would not be returned and it was first fee hits I call fraud they said " overdrafts are paid at the banks discression '' but they did promise any fees related to this at all would be refunded XXXX XXXX they apply provisional credit I removed all funds until account number can be changed except a small amount of money on the XXXX my auto financier put through the car payment again and I 'm charged a second fee I call and explain what I was told over and over again only to be told too bad they do n't care that I was n't comfortable putting my money in an account that was compromised or that they told me all fees would be waived if related I would say me not being comfortable putting a cent in an account that I do n't feel like is secure basically we do n't waive overdraft fees we are US BANK so I begin emailing customer service only to be told repeatedly that it 's my fault my issue not a US BANK issue I get conflicting information from every other email they send and then they tell me their entire management team has reviewed it and I have to pay these fees I told them to close my account so I would stop getting charged " extended overdraft fees '' they said they could n't until I paid the balance remember I opted out on the phone when I reported the card stolen initially. So these are n't even fees I agreed to by this point. This bank needs to be broken up you can find so many blogs of similar or worse issues the one constant thing is lying. Integrity is extremely important especially in a financial institution. Taking ownership of issues is another thing you ca n't do you boast 5 star service it 's more like 0 star service your people are rude and hateful you do n't do what you say you 're going to do you definetly should n't be trusted with anyone 's money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was XX/XX/XXXX, it is now XX/XX/XXXX and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.

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 2015-05-06 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XXXX, my friend purchased a {$300.00} MasterCard gift card ( plus {$5.00} in " fees '' ) at a local grocery store ( XXXX ). According to the packaging, it was issued by the US Bank National Association. She gave it to me later in the month or early XXXX. In XXXX, I decided to use it. The instructions said to to register it online prior to making an online purchase. I attempted to do so at XXXX - the site listed on the packaging. The site told me they could n't find the card so I called the customer service number - XXXX. According to customer service, the card was not activated at the point of purchase and I was directed back to the store. I went to the store ( WITH the receipt for the gift card ) where the baffled manager said he could n't help me and HE called the customer service number and they advised him I should call back with instructions. I returned home, called the number, and the rep told me I would have to fax the receipt, along with a copy of the gift card ( front and back ) to the attention of " Gift Card Activation '' at XXXX. She said it would take 7-10 BUSINESS DAYS to activate the card. I did this on XXXX XXXX. On the XXXX day, the card was STILL not activated. I called AGAIN and the rep told me they would " escalate '' the matter -- but refused to find out if even the fax was received as that was a " different department. '' When transferred to a supervisor - she told me the same thing. ( But how can you " escalate '' something that is ALREADY late on your part?! ) She took my phone number ( which was already on the fax I had sent ) and said someone would call me back in 24-48 hours. After 48 hours passed without a call, I called them. The supervisor then explained that it was n't 24-48 hours in day time -- it was 24-48 hours -- BUSINESS HOURS. ( Have you EVER heard THAT? ) Which, he told me, would be five more days before I would hear about ANYTHING. This is OUTRAGEOUS! I asked him for the name of the company he worked for and he said, " Card Services. '' I asked for the physical address so I could put it on the complaint form to the XXXX Attorney General. He refused to give it to me and could only tell me that the business was located in XXXX. So, after being told the card would be activated in 7-10 business days, it was n't. Now I am " lucky '' enough to have this matter " escalated '' so it MAY be five MORE days before a single person calls me and will probably tell me " they never received anything. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. BANCORP
State: TX

Complaint narrative:
I started getting calls from XXXX XXXX XXXX at XXXX a month ago. They said I had an overdraft with US Bank sometime around 1995. I did not remember an overdraft so they told me to call US Bank. US Bank said they had no records left, had sold the account to XXXX XXXX, XXXX. I contacted XXXX XXXX. and told them how many phone messages and emails I had sent XXXX to verify debt and they said they would contact XXXX for me. Then a week later I get a call from someone who would n't give me their name saying I was going to receive a summons. I asked why and they told me to call XXXX XXXX. I called and they put the " guy in charge '' on the phone who told me that XXXX did n't have to return my call and since they were taking me to court and plan to win they did n't have to give me verification of debt. They also said I would go to jail for writing bad checks. I do not ever recall writing a bad check. Then the guy said I had one chance to accept a settlement and my answer would be recorded for court and jail. I said without verification I did n't feel comfortable settling for sending anyone money. He was rude and scary and said they will win in court and I was going to jail. I 'm frightened. All I wanted was paperwork confirming this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I asked the person on the phone to not call my place of employment, several times. However, they continue. We can not receive personal calls at work. I explained that to them. I got threats of arrest and they also sated I was irresponsible and I should act like a lady and not just hang up the phone when they call my job. I have told them that I can not pay a lump sum on any debt, but they throw out threats and attempt to intimidate me. I would like them to stop harassing me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have US Bank XXXX XXXX personal and business credit cards. Both have the annual fee and it is advertized that this annual fee pays for cards benefits. One of the benefits is Bonus Award Night. However they decided to remove this benefit from both cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I previously filed a complaint with the CFPB and am extremely disappointed in US Banks response! It seems as though they are not reading my complaints at all ( or maybe they are in cahoots with the fraudulent merchant ). My complaint was NOT about an error on my bill! I was scammed by a company and they did n't even address the issue. What is the point of having a credit card if the issuing bank wo n't even investigate my concerns?

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 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. 
Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. 
Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. 
I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. 
I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 
2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES

Company response to consumer: Closed with explanation