vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This letter is to complain about the ill treatment that I 've received from US Bank when I applied for a refinance of my original home mortgage that I had with them. I was lied to about how much I could refinance my home for. The original loan was a VA loan which guarantees the loan XXXX %. I 'm a service-connected XXXX veteran. I was told by US Bank Rep that the VA only allowed a refinance of only XXXX % of the market value of my home. I thought this was strange so I contacted the VA and they told me that statement was not true. They gave me a link to go and said share it with the lender. The link stated that VA guarantees XXXX % of new purchase and refinance if the veteran is credit worthy. When I mention this to the XXXX at US Bank she then said it was " company policy '' not to lend more than XXXX % of the market value on refinances. Yet, the VA was still guaranteeing XXXX %. I sacrificed my life for OUR country and was injured in the process. Yet, US Bank felt the need to restrict my benefit and hold me down. For what reason??? The only reason I feel this was down is because of my race, gender, marital status, age, and zip code. When the Rep did not change her position on the XXXX % after I reminded her that VA guarantees XXXX %, I realized something was not right. I told her that I no longer desired to do business with US Bank. Then I get a letter in the mail which really angered me. It was from US Bank and it stated that they was denying my request to refinance my home loan due to " Lack of Collateral ''. This made no sense at all. My home is my collateral. Luckily for me, I found a financial institution that refinanced my home loan, a few days ago, at XXXX % and I even received a better interest rate. I did n't have to pay any additional fees either. They only looked at the market value of my home and my ability to repay the loan. They would have also paid for the appraisal if US Bank had not already made me pay for it. And, they honored my service to this country which I 've helped to defend so that they could do business. No one came up with some arbitrary XXXX % to try to exclude me from a benefit that I earned and deserved.

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 2016-12-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
Our credit card with US Bank was subject to an account takeover. Someone posed as my husband added their name to our credit card. Apparently this person had the last XXXX of his SS # and used that to change our email address and telephone #. The customer service rep made the changes and US Bank never emailed us to verify these changes or at the very lest let us know this had occurred On Fri pm we received a UPS delivery and to our surprise it was our credit card # but it had someone else 's name on the card. The card had a {$15.00} fraudulent charge so that the card could be expressed mail. Immediately we called US Bank and they told us our account had been taken over. The bank removed this {$15.00} and locked the account. At the same time the bank transferred the charges to a new account. The bank would not give us any information about the person who committed this identify theft. The next day we reported the incident to our county police department and we sent the police report to US Bank. Approximately two week later I called to check on the status of the investigation. US bank denied receiving the police report even though I mailed it certified return receipt requested. That was not true because I had my copy from the US Post Office, After numerous telephone calls with fraud dept and eventually the Office of the CEO I was told that if I wanted any information I must get a subpoena. I paid the account in full and the next day I sent US Bank a letter requesting that they permanently close both accounts and never solicit our business or allow anyone to pose as us to gain credit.

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 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XXXX, 2016 my wife and I received an auto loan for a private party purchase of a vehicle. The seller went to the branch with us to sign the paperwork. After 3 weeks of not receiving a copy of the lien title needed for registration I contacted the bank. They said the lien had not been released by the previous owner 's bank. They had not communicated to me that there were any problems. I asked them to contact the bank that had the seller 's lien but the said they could not. I contacted the seller, she had the lien released on XXXX/XXXX/16. She went back to her bank and obtained the title and a letter releasing the lien. I took it to my local US bank branch the following day on XXXX/XXXX/16. I was told they had to " send it to the loan department for processing, it will take 10 business days at the most. '' I asked them to please expedite the process and they agreed to " try. '' After not receiving the title, not being contacted I emailed US bank yesterday XXXX/XXXX/16 and they replied today stating " Good Morning XXXX, I called our Loan Department for a status on this. A notification was sent to the branch needing the seller to sign a one in the same affidavit since she had a name change and the names are not recognized by the county. Once this is complete, it will be sent to the county after 10 business days. I apologize for any inconvenience. '' They should have recognized this when we bought the vehicle and more importantly they should have communicated the problems prior to today. My local branch has not contacted us or the seller either. Now we have to wait a minimum of another 10 business days before we can register the vehicle. We have already made our first payment on the loan but do not have the vehicle legally in our name.

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 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
The Law office of D. Scott Curruthers has been contacting me about a debt that is unrelated to me. They have been harassing me as well as other members of my family. The apparent debt allegedly has to do with my brother. If there is debt to be collected by someone, you call that person. My father, mother, step mother as well as myself have been contacted by this agency. I believe it 's illegal and also unprofessional to disclose debt information to someone that is not involved with the debt. I 've demanded that they stop calling but all I get is a voicemail. Please make this stop!

Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I ordered an online personal income tax software package from XXXX XXXX XXXX XXXX on the XXXX website on XXXX/XXXX/16 using a US Bank Credit Card for {$27.00}. I never received the e-mail with the download code, so I could never gain access to the tax software. I contacted XXXX & XXXX XXXX, XXXX and US Bank in order to get the software or get a reversal of the {$27.00} charge on my credit card. All refused to assist me in getting the software or a credit. US Bank gave me a credit on XXXX/XXXX/16, but then reversed the credit on XXXX/XXXX/16.

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 2015-04-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return. 

Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. 

I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB. 

My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX operating as Fidelity Investments and their credit card issuer ELAN FINANCIAL SERVICES. 
Background : XXXX 2016 Fidelity switched credit card providers from XXXX XXXX card to XXXX managed by Elan Financial services. 
XXXX XXXX, 2016 - Cancelled a prepaid XXXX rental car for {$230.00} and received cancellation confirmation # XXXX. XXXX confirmed that credit was issues to the credit card company. 
After several attempts to resolve, Elan representative recommend that I open a dispute to resolve the issue. Claim # XXXX. 
XXXX 2016 A provisional credit was applied to the account while dispute was conducted. 
Received request from Elan to submit a copy of the cancellation. Mailed to Elan on XXXX XXXX, 2016. 
XXXX 2016 Provisional credit was removed by Elan. The response I received from the Elan dispute team was that the cancellation confirmation paper work was not received. 
Re-sent a copy of the cancellation paperwork on XXXX/XXXX/2016 On XXXX/XXXX/2016 received another request for paperwork. Third copy was sent on XXXX I have made at least ten calls into Fidelity and Elan to try to resolve this issue without success. It is being managed by XXXX with the Disputes team, although follow-up has not been forthcoming. 
It should be noted that I closed my accounts with Fidelity in XXXX and XXXX 2016 because the company no longer allowed independent financial advisors to manage investment accounts. Also, this was an account in good standing for the entire duration of the relationship with Fidelity.

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 2016-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: MA

Complaint narrative:
AllianceOne contacted me in XXXX for a debt to XXXX. I made payment arrangements to pay off the balance from XXXX of XXXX to XXXX of XXXX ... completed the payments and paid off the balance. In XXXX of XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
When I checked my credit score, I noticed that Portfolio recovery had made a derogatory remark against me. I filed a complaint and emailed them asking for a detailed summary of what I owed and what it was for. I never received a detailed statement, and I also started receiving missed phone calls at XXXX and XXXX from the company. This is unprofessional and I am very upset that my credit score which was rapidly Improving, keeps getting hit by an account that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
XXXX just took over the servicing of my home loan from XXXX. Previously it was free for me to submit payments by phone or online. XXXX charges a " Special Request Fee '' of {$10.00} for online payment, {$15.00} for pay-by-phone, and {$13.00} for Automated Phone System payment. This will increase my mortgage burden by a minimum of {$3000.00} over the next 25 years. It is free for me to mail them a check, or do automatic withdrawal, but I was previously able to schedule my payment online ... for free, and should be able to continue to do so as my terms should not be affected.

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 2016-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every.

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 2016-08-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank National Association dba XXXX XXXX XXXX has failed on several instanced to adhere to the terms of THEIR card holder agreement. After enticing that my tax refund be direct deposited to my card through a {$10.00} credit advertisement the company refused to post the funds to my card. I was THEN informed that they only take deposits up to {$5000.00}, which varies greatly from the terms of their agreement. In XXXX XXXX, prior to filing my taxes, I contacted customer service for my XXXX XXXX thru XXXX XXXX bank statements to help me with filing my taxes and was told that they no longer had access to my records. I advised them that Federal law mandated that the keep these records for a number of years, the rep had no knowledge of the laws and advised that she would escalate the matter and have their superiors contact me. I am still waiting for that call back. In XXXX I used the card for incidentals at XXXX hotel. XXXX XXXX charged my account in excess of the amount the vendor attempted to hold and refused to credit it back after the vendor released the hold. I spent over 8 hrs on the phone with various reps who pretended that they could not release the hold, when paragraph XXXX of their agreement provides a means to do so with written authorization from the vendor. I advised XXXX XXXX that they were in violation of THEIR agreement and the rep, XXXX stated she could not further assist. On XXXX XXXX I requested an arbitration hearing and to date I have not received a hearing date or any information regarding the status, resulting in 3 additional calls. It is my opinion that XXXX XXXX preys upon individuals with financial troubles and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The prepaid card is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this " benefit ''. Each month I have to call in and I am told the phone reps can only see that I earned the benefit, but have no way of tracking if the benefit was used by an unauthorized party. When I requested an inquiry on the matter I was advised that someone would call me back within 48 hours to let me know. To date, I have NEVER received a return call from my numerous inquiries. Please review the attached information and feel free to contact me for more details regarding the atrocious disregard for the financial laws of the State of Ohio and the United States.

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 2015-04-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I recently applied for the US Bank XXXX XXXX Visa, which advertised a XXXX night free with any award stay while I had the card, in addition to paying a {$75.00} fee. I was recently notified that the benefit was being removed without an in-kind benefit being added. I spoke with customer service and was offered XXXX points, which was worth maybe {$12.00}. After indicating that this was unsatisfactory I filed a complaint last week. I was called regarding this, and the gentleman I spoke with said I could get either XXXX points ( ~ {$32.00} ), or cancel the account and get a refund of the annual fee. However, even refunding the annual fee does not account for the loss I have taken to my credit score in applying for this card, which includes both a hard credit pull and a lowering of my average account age, both of which can affect the interest rates I receive in the long-term. I was aware of this when I applied for the card, but at the time, it was worth it for the benefit of the XXXX night free. Refunding the annual fee therefore does not adequately reimburse me for all the financial cost I took on applying for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX XXXX, 2015 my EastWestBank card was flagged as being suspected of fraud activity. Elan Financial Services manages security and fraud activity for EastWestBank. VISA notified Elan Financial Services on XXXX XXXX, 2015 that they had suspected that my EastWestBank card of fraudulent activity. 
Elan Financial Services never notified me that my EastWestBank card was flagged as being suspected of fraud activity. I was carrying and using a suspected fraudaulent credit card for days before I discovered this status. And I only discovered that my credit card was suspected of fraud on XXXX XXXX, 2015 when Elan Financial Services denied a purchasedI made to XXXX. I was never notified. 
I spoke to a manager of the fraud department at Elan Financial Services on XXXX XXXX. He informed me that notifying the card member of any fraud activity is optional. I have other credit cards who not only notified me of suspected fraud actiivty but issued a new credit card immediately. 
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2016 I requested copies of monthly statements for XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016. On XX/XX/2016 I receive a response advising me that they have received my request and to inform me per cardholder agreement there is a charge of up to XXXX for each statement requested and to sign the form agreeing to the fee. XXXX XXXX has not provided a regular monthly statement. I have tried to access my account online but they have blocked my access. I have requested my statements for the last three months and received a response to pay {$5.00} for each statement eventhough they have n't mailed the statement denying my right to review charges and credits! Elan Financial known as XXXX XXXX has failed to provide timely monthly statements allowing me the opportunity given other regular cardholders! There attempt to extort additional funds in exchange for statements never received leaves me suspicious of this unscrupulous financial institution. At this point I want my online access reinstated and paper statements for the entire year forthcoming without delay.

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