vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: MI

Complaint narrative:
XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I stop a payment with us Bank for XXXX a dispute regarding XXXX XXXX XXXX XXXX # XXXX. I sent in the document from XXXX. Which this company took my money and still my car leaks power steering* pump is very lose and not secure and still making that sleeking noise* need to be flush out replace power steering pump put in an old power steering gear or never replace. They done work on my transmission pan gasket which now is leaking * put in a re manufactured power steering pump. This all happened on XXXX XXXX XX/XX/XXXX.-XX/XX/2016 every other Saturday XXXX the manger had me come down for the same problem and then said he was replacing other things on my care. XXXX was just genny pig with my care I went to XXXX on XX/XX/2016 WHICH I HAD TO PAY {$100.00} for a diagnostic test again I ( want to be refunded back as well from XXXX because I still was having the same problem and my care is in worse condition since I took my care to XXXX. I sent in document of both company and photos to us bank. Now the claim processor wants me to get a third party to prove my case. I keep asking the bank did they receive my documents/ photos that the bank fax into the claim and dispute office. ( No respond ) Why do I need to make more extra run to business to prove my case when I sent in all the information .I been long time customer that just paid off all my credited cards and now I 'm being treated like this .Please help. ** US Bank I need a safe car to drive so I do n't crash and hurt another driver due to the lack OF knowledge of XXXX!! Us Please help** I need my car done correct so it can be safe to drive.

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 2016-02-11 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:
My bank charged me an overdraft fee which was n't warranted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bought a Visa gift card from XXXX for {$150.00} for my friend for XXXX on XX/XX/XXXX. She went to use it on XX/XX/XXXX and was told it would n't go thru. I called the customer service line on my XXXX receipt for the card and XXXX there gave me the Visa prepaid customer service number. There I spoke to XXXX who told me that someone had tried to use it before it was even activated at the register. She said I needed to fax a copy of the front and back of card, packaging and receipt to a number for Lost/Stolen Replacement Card Request - which luckily I had it all and I did. I was supposed to receive an affidavit to fill out and send back within XXXX days. I called by XX/XX/XXXX to the fraud number XXXX XXXX had given me to follow-up with and I was on hold for a long time and it finally came on and said to leave a message and they would return the call within XXXX business hours. I did, but no one called me back. By XX/XX/XXXX I called the customer service line again and was told it was mailed. I finally received it on XX/XX/XXXX and filled it out right away and faxed it back. By XX/XX/XXXX, I called customer service again to make sure they received it and XXXX told me he saw it said it would be resolved by XX/XX/XXXX but I could try the fraud line again. No one answered again, so I just waited. On XX/XX/XXXX, I called the customer service line to get status, and it now said it would close on XXXX. Again I tried the fraud line ( XXXX ) and could not get anyone on the phone. On this date, I just finally wrote a check for my friend for {$150.00} since she had been waiting this whole time for my gift. On XX/XX/XXXX I called back to the customer service line see if anything had been resolved. XXXX told me it now says pending dispute resolution on XX/XX/XXXX I asked for a supervisor but they told me that I had to talk to the fraud line - the XXXX # that no XXXX answers. I called again, nothing. It is now XX/XX/XXXX and still nothing - 6 months later and I am still waiting for a replacement card for the {$150.00}. I called the fraud line again and waited and waited today. Nothing, so I went ahead and left a message as well as typed a fax to fax to them but that still has not went thru. I as so frustrated and just want my {$150.00} back. Please help. I 'm not sure what I can do at this point but wait and I ca n't believe a company like XXXX can do this. I will not buy a XXXX gift card again after this experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: TX

Complaint narrative:
This company is calling my ex husband leaving rude threatening voice mails claiming to be looking for my whereabouts, saying that if someone does n't respond there will be legal action and they will continue to call until someone answers. That they will continue to go through a list of contacts of known associates until I contact them. When I called the phone number a woman answered the phone, she never stated what company it was when she answered so I asked what was the name of the company she told me it was NP Group. I then asked what kind of company this was ; were they a bill collector, she was immediately defensive told me it was an investigation company. I then asked the type of investigation the company did, her reply was HIGH RISK. I asked high risk for what, she then asked for the number that was called so she could tell me what dept. so I could be routed. I told her no thanks and she stated we wont stop calling you its going to continue and then hung up on me. I have not received any calls or letters regarding any past due monies owed. This company and employee I encountered is completely unprofessional and is harassing my family. If they want to contact me they can send a certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
I am paying late 2014 IRS taxes. In XXXX the IRS took out XXXX payments of {$250.00} by mistake. I scrambled to get money to cover the payments. I could not verify thedate for XXXX. There was no pending payment listed on line on XXXX XXXX. 
I bought a plane ticket to visit my family at a great price of {$310.00} on Sunday XXXX XXXX. 
On Monday the XXXX, the IRS took out a {$250.00} payment and the plane ticket was listed as pending. I called the bank and asked if they could stop payment or holdthe {$310.00} payment until Friday XXXX. The person said she would take care of it and I was lead to believe there would be no charges. I did not proceed further with the airline. 
I checked all week online and the {$310.00} was listed as pending until Friday the XXXX. Then the {$310.00} was listed as paid on Monday the XXXX and XXXX overdraft charges of {$35.00} totaling {$100.00} were deducted from my account. When I called thebank, a manager told me that the charges were normal and she would not refund the charges. The bank has a new policy that a general manager must approve refunds. If approved, the refund is sent by check by mail to the customer rather being redeposited into the account. This process takes weeks. The very high charges and lengthy refund process place customers at risk of more charges. 
I work with XXXX and donot have much money. In XXXX, I finished paying off over {$22000.00} in credit cardwith this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I received a mailer stating if I opened a personal checking account, I would receive XXXX after two months of reoccurring direct deposits of XXXX or more. Once I went to the local branch, I was told since I am self employed and my direct deposits are n't from an employer, I would not be eligible for the promotion. I use a third party servicer and rents from my rental property come in monthly as a direct deposit. 

This does not make sense. The solicitation says " reoccurring direct deposits. '' Certainly I meet that requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been charged {$61.00} in overdraft fees for a {$6.00} transaction that occurred while my account balance was {$25.00}. I transferred the funds into my account and waited for the website to indicate the funds were available before I made the {$6.00} transaction. The website did not indicate the funds were pending but that they were currently available. Furthermore, I specifically requested at the time I opened the account that any transactions not covered by available funds be denied. I was assured by the bank representative this would be the case. I feel I have been mislead and literally robbed of my hard-earned money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I inquired at US Bank, XXXX XXXX XXXX XXXX. in XXXX XXXX, Ca. about a H.E.L.O.C loan. I was informed by the branch mgr. XXXX XXXX I could get the loan At 3.75 % int. for 10 yrs. with free checking. No min. balance or monthly service charge on the account. Also the checking account was optional. If I decided I did not want the checking account the interest rate would then be 4 %. No annual fee on the loan no matter what. 
At the closing of the loan ( a different mgr. ) I was informed that without opening a checking account my interest rate would be 4.25 % with a {$90.00} annual fee on the loan. If I opened the checking account there would be no annual fee provided I maintained a daily balance of {$2500.00} in the checking account or pay a monthly service charge of {$20.00} per. month At this point we decided we could not trust anything US Bank said so we opted out. I feel we were purposely misled and wasted many weeks in applying for the loan. I really think that they feel you have so much time and energy into the loan that you will just sign and not walk away. They ( USB ) should not be allowed in engage in these deceptive practices. 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 2016-02-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies.

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 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had overdrafts on my account and did n't fully understand how I had gotten them I went to the bank where I bank all the time and the teller could n't fully understand what happened so she said the manager is on a conference call and will call you when she is finished, well 2 or 3 hours went by and she never called when I called back I asked is the manager still busy the person said this is me how can I help you so I 'm explaining to her I did n't understand my overdrafts and she said well you had one for a loan come through for x amount of dollars and I said that 's not a loan it 's my car payment and she said well that 's a loan I said I 'm paying a car payment not a loan payment..anyway what she said was XXXX fees were for XXXX transaction I was charged for it pending and for it clearing I said well that does n't sound right she said well you need anything else very rude..i said not from you and hung up ... .anyway I found out that was not true after speaking with customer service but the manager was very very very rude.

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 2017-01-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Savings account was open with the sole purpose of protecting myself from any overdraft fees. I truly feel the clerk had malicious intent is miss leading me. I'be received a total of XXXX penalty fees in less than a month. And to add insult to injury I spoke to a customer care rep over the phone on XX/XX/XXXX about overdraft fees I stated that I use my savings to pull from to avoid additional fees and she made no mention of the XXXX dollars I 've been paying every time I pull money from my savings.

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 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: NC

Complaint narrative:
Residential Credit Solutions XXXX RCS XXXX failed to pay my homeowner 's insurance out of escrow last year. The due date for the insurance premium payment was XXXX/XXXX/14, they did not pay until the end of XXXX. Because of this, for approximately XXXX months last year, I did not have coverage on my residence. I had to go through an insurance reinstatement process after RCS finally paid the premium. The same issue happened this year. The insurance premium was due on XXXX/XXXX/15. As of today XXXX XXXX/XXXX/15 XXXX, the premium has still not been paid even though I pay into escrow for this. I have not had insurance coverage since XXXX/XXXX/15 because of this. Today I had to pay {$370.00} out of pocket to re-instate coverage and also had to sign a Statement of No Loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX at XXXX I made a cash payment for my mortgage account in the XXXX, California Branch office personally. 
On XXXX XXXX I received a letter from US Bank that my check has insufficient funds. 
they charged me {$15.00} returned item fee for my cash payment. 
I called them put on hold for hours than I went back to the branch and the manager try to call for other 2 hours with no results. 
It is impossible to solve this problem with phone call or with personal presence. I need 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 monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
I was told that I would get a loan at 3.875 % and that they could do it. I explained at first that i had a " XXXX '' agreement on my home and was told at first that it should n't be an issue. I did n't get any calls back from XXXX and had to call several times to talk to XXXX XXXX, but had to call his superior.. I had to call his boss XXXX XXXX, who I expressed my frustration with XXXX not returning my call, he said that XXXX would call me back to explain why they could n't do the loan. I never received a call. I then called his boss XXXX XXXX and he stated that they could n't do the loan. I asked for the guidelines and why, and received answers that did n't make sense to me. I asked to speak to his boss and he said that he was the director and there was no -one else above him that could make the decision to do the loan. This phone tag was over a period of 4 weeks. When XXXX told me he could do the loan at first, I gave him my credit card information and he sent me all the docs and application and asked me to immediately sigh them electronically, which I did. At that point i waited for a call or any information they needed, but received nothing? Thats when i called His boss XXXX, and he proceeded to tell me they cant do the loan because of the XXXX agreement on it. He said they had to follow guidelines and could n't do it. As far as I was concerned i signed a contract with XXXX to get he loan done, after i disclosed that i had a XXXX '' agreement and was told it would n't or shouldnt be an issue. I was told from XXXX that XXXX would call me back to better explain why they did n't want to do it. I never received that call. I was sent several loan rates from XXXX at first, which i agreed to the XXXX rate which we discussed as my best option and waited after the docs were singed for them to move forward with the loan. I have a good LTV and was looking for a XXXX refinance on my home that appraised at XXXX. Dosent the lender have to send you the reason or guidelines of why the refused to do the loan?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation