vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX at exactly XXXX, I received a call from a company called XXXX, XXXX XXXX. Called was not answered so there was a voicemail left was from an unknown number and the number I obtained to contact the the XXXX XXXX XXXX back was XXXX. They referenced a case number of XXXX. The voicemail stated that there was a civil complaint that had been filed against me. I contacted the phone number left for me to call back at XXXX. I gave the case number and was transfered to an XXXX XXXX who notified me the complaint was from US Bank for a debt that I owed. 

US Bank was just sued in XX/XX/XXXX for improper posting of debit card transactions before deposits causing customers accounts to be overdrawn and a series of overdraft charges to be charge to consumer accounts. Which is how I came to have a debt US bank. With the XXXX Law suit US bank now has a settlement of XXXX for people in most states and based on the year that you had an account with them.. My account with US bank was through from XX/XX/XXXX-XX/XX/XXXX and for the state of colorado concerning the settlement I am elgible to be paid back for for the debt was supposedly owed by me. 

This company XXXX XXXX XXXX verified all my information which they more than likely received from public or social as they are a predatory collection company and they have complaints and are all over the internet as scammer. I did not give them infomation. They stated they would file a lien against my XXXX ford Taurus and try to sell the vehicle and was they were not able to recover from the sale of the vehicle they would then garnish my wages. I live in the state of Colorado and the statue of limitations is 6 years for debt. This group I believe is hoping to serve me with papers and hope that I do not show up so I an get a default judgement against me and then try to garnish my wages. But knowing what I know and what they do n't i am willing to got to court as i advised 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 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
Documents were sent to US Bank for a loss mitigation review of the Making Home Affordable Program on XXXX XXXX, 2016. These documents were followed up by a call on XXXX XXXX, 2016 to confirm complete and received. They advised that the only thing that would be needed to complete this package would be a financial worksheet. This document was faxed to them within an hour of the request on XXXX XXXX, 2016. When US Bank was contacted on XXXX XXXX to confirm that this was received, the representative did not even know that it had been added to the file and the document was not reviewed until the call was placed to them. Since there was a foreclosure sale of XX/XX/2016 it was imperative for these documents to be reviewed in the proper 5 day time frame. When a call was placed on XXXX XXXX, 2016 the foreclosure sale was still listed when they had a complete package on file since XXXX XXXX, 2016. They are violating dual tracking by foreclosing on the property when the file should be in loss mitigation review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have had a student loan with XXXX then and now Navient since XX/XX/XXXX, I am not sure what the original loan balance was but I want to say it was around {$40000.00}, apart from when I was in school and not paying them I have been paying my student loans since XX/XX/XXXX consistently, I have had a few months that I had a forbearance and now I am on an income driven plan which was supposed to help reduce my payment but it seems like around a {$9000.00} decrease in almost 13 years does n't make much sense, going at this rate it would take almost 60 years to pay off a {$40000.00} loan, even a house loan only lasts 30 years, this is insane and part of the problems with student loans and the loan debt, I think it 's funny how now the lawsuits are coming up against Navient and I think I am a prime example of their lies and deceitful business

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. 

because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. 
now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. 

Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. 


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 2017-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Mortgage company ( US Bank ) did not make real estate tax payment for XX/XX/XXXX on time, event though I have made escrow payments. It will now be late and unable to claim on XX/XX/XXXX race return. This is a considerable amount of difference of refund, almost {$2000.00}. They have informed that I now have to wait until XX/XX/XXXX to claim the real estate taxes on the XXXX, putting it a year behind.

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 2015-11-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
BAIT AND SWITCH CREDIT CARD OFFER BY Fidelity Investments & Elan Financial Services Took advantage of a Visa card offer on Fidelity web site noting a 2 % rewards credit card, coupled with a XXXX point ( {$100.00} value ). Account opened without issue, card received, but never received the XXXX bonus. Several attempts to correct via written correspondence and two telephone calls with Elan Financial pushes everything back to a 'live ' phone call. Final call made on XX/XX/2016 to Elan Fin @ XXXX, spoke with a supervisor named XXXX, and she noted as their was no promotional code attached by the system with my account opening, I would not be receiving the promotional offer. The offer, if still up on the Fidelity investments website, is at this URL : XXXX. I was still active as of XX/XX/2016 @ XXXX. When asked why they ca n't research what promotional offer was actively run on the Fidelity Investments web site at the time the account was open, the rep kept referring to the account opening code statement ... I also know that apparently other customers are having a similar issue with not getting the appropriate credit ... This is a classic example of Bait and Switch if I 've ever seen one.

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 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
I have made numerous attempts to move forward with a loan assumption through Freedom Mortgage and/or XXXX. I 've completed the email request process per their instructions with the confirmation from them they were going to send me the loan assumption packet within 7-10 business days. It 's been 2 months and no packet. Every time I call, both of these institutions shuffle me back to the other. The one time I did get a hold of someone who was able to pull up my account, they told me they could not move forward until the investor responded back to them, even after it was previously verified that my loan is eligible for assumption. The last time I called, neither institution, Freedom or XXXX could find my account. I feel this is a stalling tactic to dissuade me from allowing my daughter to assume my mortgage and they would rather do a bait and switch to get us to apply for a new mortgage. Please help me get some resolution to this so that we can move forward with the loan assumption. I 'm not in the best health and on a fixed income as I 'm retired.

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 2017-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?

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 2015-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Recovery Specialists
State: WA

Complaint narrative:
Got a call from drs in XXXX, wa from a XXXX called back because I missed the callShe threatened that id be arrested over a debt because writing a bad check is illegal. Plus I notified the company that in XXXX proceedings ex was awarded bills and house. There is a restraining order in effect and my ex gave them my grandmothers phone number. 
These people are violent when they talk. They keep repeating that you 'll be prosecuted and jailed for the debt.

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 2017-01-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My wife and I have a checking account at US Bank in XXXX California. On XX/XX/2016 XXXX separate identical amount fraudulent debit card transactions occurred at local grocery stores totaling over {$7000.00}. We have receipts showing we were out of town at the time. US Bank first informed us that we were not responsible for the charges once we filled out and retuned an affidavit. 10 days after completing the form we contacted US Bank fraud division and they said they denied our claim because a PIN number was used in the fraud. We informed them that the PIN number was not given out to anyone or is even written down. Only my wife has a debit card for the account and it was with us when we were out of town. US Bank has said they would have the investigator call us but no one has even after we called them four times. We contacted the local branch manager who said he would have the investigator call us back but still no response. We just got a denial letter today ( 30 days after fraud ) stating we were denied the fraud claim, and responsible for the entire {$7000.00} because we were part of the transactions and/or benefitted from it. No explanation or evidence was provided. We are homeowners with excellent credit and have been customers of the bank for 15 years without any previous fraud claims or even overdrafts. Now we are going to have trouble paying our mortgage and the bank wo n't even talk to us. They allowed these thefts to occur and now expect us to pay for it. This is one of the most upsetting and financially devastating things that my wife and I have ever been through. We are in the process of filing a police report but that wo n't help us get out money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: PA

Complaint narrative:
Residential Credit Solutions wants me to pay {$1200.00} in attorney ; s fees that I do not owe them. Our account is current and we do not owe them anything. Please read the information attached and it will explain everything.

Company response to consumer: Closed with explanation