vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a red light camera ticket on XX/XX/2016 and the ticket was sent to US Bank leasing company -- it was stamped by their tax servicing department on XX/XX/2016. At that time, I was unaware the ticket was ever issued. US Bank sat on that ticket until they received a 'Second Notice ' ticket and was stamped by their tax servicing department on XX/XX/2016. Still unaware that I ever received a ticket, I received both the 1st and 2nd notice, along with a letter from US Bank on XX/XX/2016. The payment was due on XX/XX/2016 - Thus a late fee of {$20.00} was already charged. I disputed the late payment with the City and advised US Bank NOT to pay the ticket. They told me they would n't. Well, turns out they paid the ticket, including the late fee. They then charged me the ticket amount, plus the late fee, plus a {$25.00} fee for processing. I told them that it was unfair that I should n't be responsible for anything but the ticket amount and they refuse to work with me. Bottom line is US Bank neglected to alert me of the receipt of the ticket until it was already too late to pay without incurring a late fee. When instructed not to pay it ( while i disputed the late fee ) - they paid it anyway, and then relished in the opportunity to charge me an additional {$45.00}. Please rectify. Thank You!

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 2016-02-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Someone opened a U.S. Bank credit card in my name, fraudulently, at some time on XXXX/XXXX/2012, without my knowledge or consent. 

Equifax did delete this account, but it was reinserted for some unknown reason. I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & U.S. Bank refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a credit card with Elan Financial Services I have been paying extra and instead of the amount over the minimum payment being applied to the balance with the highest interest rate they are applying the payment to both balances. I have sent them a secured e-mail regarding this matter. They responded saying because I my account showed a purchase last month it was applied correctly. I have not used this credit card for several months and I have no automatic charges on this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
In middle of XXXX 2016 someone committed fraud on my account. XXXX says that my card was XXXX swiped in XXXX for {$330.00}. I went through thr dispute process and was granted the money back. When the fraud occured, my address was to my XXXX in california. I had just moved to XXXX, or. I was told that i can not update my address until 30 days after fraud. I tried to forward mail from my XXXX, but the replacement card that they were sending can not be forwarded. So i called over and over again to customer service to find out how to get my address updated and my card sent to new address. They gave me a fax number to fax paperwork to, I have had U S Bank branch managers send the info into the fax line amd received several confirmations that the fax was sent on multiple days, times and from different bank locations over the last 3 weeks. After 3 weeks of customer service telling me that they did not receive anything I demanded that they give me an alternate way of sending paperwork because their fax obviously does not work. They now gave me an email. I had the branch managers at the king city location send my paperwork multiple times and cardholder services still claims to have not gotten my paperwork. I have had different supervisors trying to find my information and nobody can. Supposedly the fax line is operational, and supposedly the email address is as well. If XXXX of these were operational, i should have receibed my new card by mail at least two weeks ago. Now i can not buy food for my pregnant wife, i can not buy prenatals for my XXXX wife, and i can not pay rent to keep a roof over the heads of my wife, XXXX month old son, and my new child on the way. I want my card, my money, and i want to be compensated for my losses and damages and pain and suffering.

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 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?

Company public response: Company 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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, I would like to file a complaint against US Bank. I have been attempting to work out a short sale with US Bank for almost 3 years and I have lost multiple purchasers due to the amount of time that it has taken to get FHA approval. The first offer that I received was on XX/XX/XXXX and was for a few thousand dollars less than what the asking price was, but was not enough to cover all of the cost to sale the property free and clear. Unfortunately, I was not in a position to cover the difference to make the deal happen. With the offer that I had, the bank would have received a couple XXXX less than their payoff. The XXXX offer was very similar to the first and the bank took so long to review the short sale offer then after six months, the purchaser moved on and purchased another property. This has been the normal behavior of the bank over the last 3 years. Over the years, the delinquent amount has continued to grow and the property value/offers being received have decreased causing a larger deficiency. It is my hope, by filling this claim that I will finally be able to get the short sale completed. I would also like to get a waiver of deficiency if possible. 
1st Contract - XX/XX/XXXXBuyer XXXX XXXX - Buyer Terminated/walked2nd Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedATP ISSUED XX/XX/XXXX DEADLINE XX/XX/XXXX3rd Contract - XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXXApproval XX/XX/XXXX - Buyer terminated at Inspection4th Contract - XX/XX/XXXXXXXX XXXX and XXXX XXXXXX/XX/XXXX Short Sale Approval - Buyer terminated at Inspection5th Contract - XX/XX/XXXXXXXX. - Buyer Terminated/walked6th Contract - XX/XX/XXXXXXXX XXXX - Buyer Terminated/walked7th Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedApproval - XX/XX/XXXXATP - XX/XX/XXXX - XXXX8th Contract - XX/XX/XXXXXXXX XXXX XXXX - Terminated because he was waiting for 5 months9th Contract - XX/XX/XXXXXXXX, XXXX. - XXXX XXXX XXXX - Active Purchase Contract

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Leased a XXXX from XXXX, financed by US Bank. 
1. was not told to bring charge cable to inspection and was charged for it - have letters sent from dealership to show it was returned 2. was not given access to inspection prior to turning in the lease, completed by Autovin 3. XXXX repeatedly sent late information from US Bank, making it impossible to do what they asked XXXX for lease return ) 4. was never sent information on lease return and normal/excessive wear and tear until 7 weeks after turning in vehicle 5. inspection and " excess wear and tear '' from their contracted inspector, Autovin, contradicts the documents they sent me 7 weeks after returning the vehicle 6. involved my insurance company whose photos and reports show normal wear and tear and not excessive as was claimed by XXXX. called US Bank on XX/XX/XXXX and asked about XXXX dispute process '' outlined in their invoice - they sent the initial report and the " excess wear and tear brochure '' that they said I should have received 3 months prior to turning in vehicle, but outlined no process and provided me with no options

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 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.

Company response to consumer: Closed
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: MD

Complaint narrative:
My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank Has not sent me a of the year end escrow analysis, which was due XX/XX/XXXX by Law. They did send a notice saying they expect a shortage so send in {$980.00}. Now they 've sent another notice saying they now want XXXX and that I should send it in right away. The provide no escrow analysis, which again was due XX/XX/XXXX They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. 

By not providing the escrow analysis US Bank which was due XX/XX/XXXX US bank is in violation and is handicapping me with no accounting in which to make informed decisions. This is not very welcome on my behalf and it appears to be totally reckless, disregard to the escrow laws.

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 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This bank is actively charging people for overdrafts when the account balance was never negative. The branch manager hides in her office and refuses to speak with customers. The branch manager also routinely refuses to provide contact information to others in the company to register a complaint. US Bank is proving to be a dishonest and corrupt organization. The personal banker went so far as to make the statement that it is not a crime for the bank to clear items in an order that would generate overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
When I signed up for my bank account, I opted out of the option to allow my account to go negative for overdraft purchases. My debit card is supposed to be declined if the account is overdraft or if the transaction will allow me to go negative. However, on XXXX/XXXX/16, my account was overdrawn because of debit card transaction and I was charged {$180.00} in overdraft fees. Since this was also a holiday weekend, the transactions posted to my account very late and were n't posted in order. I contacted my bank online via their messaging system and asked them to remove the fees as my debit card should not be allowed to go negative and my card was not declined. I did not receive a response. I called them on XXXX/XXXX/16, 2 weeks after I sent the message, and I was told that my account was opted in to allowing my account to go negative for debit card purchases and that I could not have the fees waived because of that. I explained that when I signed up, I specifically said I wanted the option for my debit card to be declined if my account is negative and they should also have the forms confirming that in writing, the forms were filled out with pen. If they made an error and registered my account incorrectly for their own benefit, they need to waive the overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I received a letter from " Helvey and Associates '' on XXXX XXXX, 2016 stating that I had an outstanding electric bill with XXXX XXXX. This letter was dated XXXX XXXX 2016. I immediately called XXXX XXXX. They stated that they had made a mistake and never sent me a final bill. I then immediately paid the amount due. Then on XXXX XXXX, 2016 " Helvey and Associates '' reported it as a collection account on my credit report and they are refusing to remove it unless I pay them additional money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have XXXX Federal Tax Liens that were published on my credit report. These liens were reported by Equifax and XXXX. These liens were paid and I submitted a request to the IRS to have these liens withdrawn. On XXXX XXXX, 2015, I received a letter from the IRS, which included Form XXXX ( Withdrawal of Notice of Federal Tax Lien ). Although I formally requested the IRS to notify the bureaus to remove the liens, I sent this letter to Equifax and XXXX on XXXX XXXX, 2015, to ensure they would be removed from my credit report. Equifax sent me a letter on XXXX XXXX, 2015, stating the tax liens were reported as released. XXXX sent me a letter on XXXX XXXX, 2015, stating they have deleted the tax lien from my credit report. The XXXX lien had already been deleted from my report. After reviewing my updated credit report through my credit monitoring company, I sent another letter to Equifax on XXXX XXXX, 2015. I included the letter from the IRS again, and requested the bureau to delete the Federal Tax Liens from my report. Equifax sent me a letter on XXXX XXXX, 2015, stating XXXX of the liens is currently reporting released and will remain on my report for 7 years, and the XXXX lien has been deleted from my report. I have included the letters from the bureaus, my last letter to Equifax dated XXXX XXXX, 2015, and the letter from the IRS with Form XXXX.

Company response to consumer: Closed with explanation