vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I feel that I have been scammed by XXXX XXXX due to deceitful marketing letters. I wrote XXXX promotional checks for purchases that they sent me. The XXXX XXXX was in XXXX XXXX and the XXXX XXXX that I wrote was in XXXX XXXX. The XXXX check had a term of 0 % interest until XXXX XXXX and the XXXX check the promo was 0 % interest until XXXX XXXX. The letters that I received at that time did not have any " Special Notice '' box that they have recently added to their most recent offer letter. Now they explain in that box on the letter that in order to avoid interest you need to pay your account balance in full. On XXXX/XXXX/XXXX I received a credit for the amount of {$48.00} for interest charged for the past 4 months after I called and complained that I felt that this was deceitful and felt I was being scammed. I have now been charged interest on my last statement and will continue to be charged interest going forward on these XXXX purchases which I was let to believe was at 0 % interest. I had always paid in full in the past but I will not pay in full for these XXXX purchases since I was given an offer of 0 % interest until the dates I mentioned earlier and there was no explanation back then on their promo letters explaining that to avoid interest I needed to pay the entire amount in full including the 0 % interest purchases. I find it very interesting that they have now included on their 0 % promo letters this special box and in bold " Special Notice '' since I made the call to complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Contacted USbank Employee Staff ; XXXX, XXXX/XXXX/XXXX because USbank website DOES N'T allow complaints. USbank denial & refusal to resolve ACCOUNT FRAUD & EMBEZZLEMENT of my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Called US Bank ; XXXX, Spoke to US Bank Employee ; MEAN/HATEFUL OLDER WOMEN, She was n't grossly incompetent, She was DELIBERATE in HER ACTIONS to SEIZE OVER {$150.00} ( One Hundred & Fifty Dollars ) of OVER-PAID CREDIT CARD PAYMENTS with False UnTrue Statements. 
US Bank Supported the Confiscation and Seizure my REFUND DENIED TO ME. 
US Bank Employee ; MEAN/HATEFUL OLD WOMEN, Disgruntle, Argumentative, Distorted the Facts, and made False Allegations ... She was Typical US BANK Bureaucrat. ( see attachment Letter )

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 2016-10-17 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:
Us Bank charged me fees for items that cleared my account with a positive balance. Then when I filed a complaint they threatened to shut my account down. They paid me XXXX of the fees back, but they still owe me XXXX of them.

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 2016-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP
State: ID

Complaint narrative:
My father passed away and US bank keeps calling me regarding his debt. They have called 10 times, and each time I inform them of my fathers passing, that there is not Estate, and please stop calling. They say that they will note his account and stop the calls but they are still calling, and it has been 5 months.

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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. 
I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
Fraud by US Bank NA ( USB ). USB claims to be Trustee for a XXXX ( XXXX ), XXXX XXXX XXXX XXXX, which was never created, never funded, and never populated with pooled mortgages. There is no record of this XXXX in the Securities and Exchange Commission 's ( SEC ) system of record, XXXX, or in the State of Delaware ( where USB originally claimed the XXXX was created and where it is domiciled. ) XXXX XXXX, US Bank, Corporate Trust Services, XXXX. XXXXXXXXXXXX, first told me the XXXX was incorporated in Delaware . When I sent the Certified Documents from the DE State Courts proving non-existence of the XXXX, XXXX stated it was not created in DE after all. Then, XXXX confirmed he could not find a record of the XXXX. The same day I spoke with XXXX, his supervisor, XXXX XXXX XXXX XXXX, Vice President, XXXX, US Bank Corporate Services, XXXX, XXXXXXXXXXXX, learned of my discussion with XXXX. In response, XXXX sent an Urgent letter to me via XXXX indicating that the " XXXX XXXX XXXX XXXX is an existing XXXX XXXX '' and that I am to not contact XXXX because he does not handle these matters ; although, XXXX was the key USB contact during the dissolution of XXXX, which included its subsidiary XXXX XXXX. While XXXX was on holiday, I contacted his back-up ( as indicated in his voice mail message ) and spoke with XXXX XXXX, Dispute Resolution Specialist, XXXX, XXXXXXXXXXXX. XXXX also confirmed that he could not locate the XXXX which XXXX continues to claim exists. XXXX has refused to research or provide evidence of XXXX existence for " XXXX XXXX XXXX XXXX. '' XXXX is aiding and abetting the continuation of USB 's fraud. XXXX only concern is USB Risk Management and covering up any wrong doing with complete and total disregard for multiple state and Federal laws. Attached are Certified Documents from the State of Delaware Courts which reflect " XXXX XXXX XXXX XXXX '' being created by XXXX XXXX but not " XXXX XXXX XXXX XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP
State: MD

Complaint narrative:
elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX. 

I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX. 

On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. 

RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I was previously an XXXX service member with an auto loan with US Bank through the XXXX. I was not properly informed of the additional fees associated with the auto loan for having my payments withdrawn by allotments, I was lied to about the cost of the GAP insurance that I had covering my vehicle and I was also misinformed about the payment schedule of my loan payments for each month. I believe that I was taken advantage of as a young naive service member. The auto loan has been paid in full since XX/XX/2013. I have previously spoken with US Bank on a few occasions but was unsuccessful in having my requests met.

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. BANCORP
State: IL

Complaint narrative:
U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending.

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 2015-04-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
us bank decided to cancel the " last night free award '' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I signed up for an 18 month duration US Bank interest free credit card, Acct XXXX :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee XX/XX/XXXX. The XX/XX/XXXX bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to XX/XX/XXXX bill, and charge 15 % interest and {$39.00} " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed

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 2016-09-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX charged my credit card a cancelation fee when I saw it on my bill I immediately challenged it. Twice. US Bank sent paper work for me to fill out and fax to them. Which I did and still have the confirmation page. US Bank then said I did n't send the paperwork back and I need to pay them. I have not paid them and it is only {$180.00} but they will ding my credit and I will continue to complain about them

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