vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
Unfair business practices - These crooks drastically reduced my credit limit after I made a huge payment and without proper notification. 

Yesterday I made a {$5000.00} credit card payment to my First National credit card. I paid down 70 % of the balance from {$7100.00} to {$2100.00} so there should have been {$4800.00} avail today. I tried to use the credit card today to business invoice with part of the {$4800.00} that should have been available. After multiple failed attempts to pay the invoice online I called the credit card company to find out the problem. 
1. They first told me they hold 80 % of the payment until it comes out of pending status. I told them that I need access to my available credit Today. 
2. They had me do a conference call with my actual bank to verify the funds were good. 
3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX, ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked, " When was I going to receive a letter about the credit limit decrease. '' The person I spoke with said they were going to mail XXXX out today. 
5. I asked " well what is my new limit '', these crooks said my new limit is the {$2100.00} that 's now available after my {$5000.00} payment. 
6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months, your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense, missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough, after arguing with them, I pull my credit report and I have No late accounts and No Delinquent accounts. I have a copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage servicer " Nationstar Mortgage '' continues to misapply my payments, Every month I make and additional principal payment which I have instructed them to apply to the unpaid principal balance along with my principal & interest payment due. When I get the monthly statement they are posting the additional principal as a short payment and reporting a " Lender Paid Expense ''. This company has not incurred a " lender paid expense " on my account. I have contacted them every month and they have not resolved the matter and continue to misapply the payments. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
I am disputing all of the RCS Mortgage late payments on my XXXX credit report. 

This Mortgage loan was included in my Chapter XXXX Bankruptcy which was filed XXXX/XXXX/XXXX and completed successfully XXXX/XXXX/XXXX. The mortgage, initially with XXXX and than with RCS, was included in the bankruptcy. On the bankruptcy its value is {$47000.00}. 

On XXXX/XXXX/XXXX there was an Order Granting Relief From XXXX XXXX. This let RCS get the collateral which is the property. In no way does the wording say that the creditor could collect money from the loan, it just gives them the house. 

Each of the RCS late payments are after our bankruptcy was successfully completed. So this loan did not even exist at the point of the late payments. So there is no way that we could have a late payment on a loan that was already eliminated through bankruptcy. 

Here is how our Bankruptcy Attorney explained the Stay to us : '' You filed chapter XXXX. You surrendered a home and allowed the creditor to foreclose. In order to do that the bankruptcy court has to lift the stay to allow the creditor to go after the property. The Order from the bankruptcy court does not say anything about allowing the creditor to seek money from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have tried to get a Mortgage from US Bank and have submitted all taxes & XXXX forms etc, what ever they requested. After multiple delays on there part, mortgage agent went on vacation for two weeks as did XXXX XXXX the Supervisor for this XXXX Colorado area, I was pushed aside, have been ignored on phone messages and emails. They I was told I do n't need a prequel letter til I have a sales contract. The real Estate Agent said without prequel letter we ca n't lock in rates or move forward?? So being XXXX, & US Bank is aware of this, I have been pushed aside for bigger loans as mine is a very small loan. Discrimination is playing a factor into all this from the fact I 'm XXXX and easily tricked into the wrong protocol as told to due & the fact my loan is not a large loan and is not considered as important. But locking in rates, getting a prequel letter comes BEFORE CONTRACT!!! This I have been told is not true saved on my email from US BANK Supervisor and US Bank Mortgage Agent.

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 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
opened an account online. was charged XXXX dollars and given account and notice debit card would be sent. Went into a branch and was told no money in my account. US bank stole my money and manager says I was denied and would recieve a check in 3 weeks. What? thats like an unauthorized loan. thay stole my money and still continue to get emails from them stating debit card is on the way.

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 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
TO START WITH I AM ON LIMITED INCOME DISABILITY AND I SAVED UP 4 MONTHS TO DO THIS IN TOWN TRIP.  I PLANNED EVERYTHING OUT HOW MUCH I WAS TO SPEND WITH MY DEBIT CARD AND THE REST WOULD BE CASH.  I LIVE IN XXXX, NV AND WENT TO THE XXXX FOR AN OVER NIGHT STAY ON XXXX.  THE MAIN THINGS I WANTED TO DO WAS XXXX AT XXXX AND THE XXXX DOWNTOWN.  I BOOKED A ROOM AT THE DOWNTOWNER HOTEL BECAUSE OF PRICE AND ITS LOCATION TO THE ZIP LINE SINCE MY RIDE TIME WAS XXXX MONDAY XXXX.  I CALLED THE HOTEL AND LET THEM KNOW I WOULDN'T BE THERE TILL AFTER XXXX.  WHAT I CHECKED IN THERE WAS A NEW GIRL WORKING THE OVER NIGHT SHIFT AND IT WAS HER FIRST TIME DOING A SPLIT PAYMENT.  I HAD HER PUT XXXX ON MY BANK CARD THE I PAID CASH FOR THE XXXX DEPOSIT AND THE XXXX SERVICE FEE.  WHEN I CHECKED OUT I GOT MY XXXX BACK THEN THE NEXT MORNING I TOOK XXXX OUT AT THE BANK AND IT SAID I ONLY HAD A LITTLE OVER XXXX LEFT.  I WENT HOME PULLED UP MY ACCOUNT AND SAW XXXX CHARGES FROM THE XXXX ONE WAS XXXX WHICH WAS RIGHT THEN XXXX WHICH SHOULDN'T OF BEEN THERE.  I CALLED THE BANK AND   I TRIED TO GET HELP STOPPING THE EXTRA CHARGE THEY SAID I HAD TO TALK TO THE HOTEL.  THE ONLY THING I GOT FROM THEM WAS THAT THE GIRL ON THE NEXT SHIFT DIDN'T THINK THE NEW GIRL CHARGED ME.  WHILE DOING ALL OF THIS I GOT XXXX OVER DRAFT CHARGES XXXX EACH.  I CALLED THE BANK AGAIN AND TALKED TO THEM ABOUT THE OVER DRAFTS AND ABOUT HOW I PLANED EVERYTHING AND THAT'S WHEN I WAS TOLD IT WAS BECAUSE OF THE XXXX CHARGE BY THE HOTEL  WAS TOLD THAT SINCE IT WASN'T THEIR MISTAKE OR MY MISTAKE THERE WAS NOTHING THE WOULD DO AND I WOULD HAVE TO GET THE HOTEL TO GIVE ME THE MONEY BACK.  I WENT TO THE BACK BY MY HOUSE AND THEY TOLD ME MY HOME BANK COULD REVERS THE CHARGE SO WENT THERE AND WAS TOLD THEY COULDN'T DO ANYTHING AND SAID THAT XXXX PUT IN MY ACCOUNT IF THE XXXX WAS RETURNED THE THE OVER DRAFTS WOULD ALSO BEEN RETURNED.  I TALK TO ANOTHER BANK ABOUT WHAT HAPPEN AND THEY SAID SINCE I REPORTED THE NEXT MORNING MY BANK SHOULD OF DONE SOMETHING AND I SHOULDN'T OF GOTTEN THE OVER DRAFTS.  SO I BORROWED MONEY FROM A COUPLE FRIENDS TO PUT XXXX IN THE BANK SO I WOULDN'T GET ANY MORE FEES AND STILL CANT PAY THAT BACK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted a complaint to US Bank on XXXX XXXX 2016. I purchased the replacement of my cell phones. They were n't done satisfactorily my XXXX touch no longer worked the brightness was n't correct etc. I contacted US Bank to initiate the dispute after my appeals to the company went unanswered. US Bank initiated the dispute and on XXXX I received a letter ( attached ) requesting more details. I submitted the appropriate documentation approx XXXX. 

On XXXX I noticed a suspicious transaction on my account for XXXX. The description only listed " Forced ACH Debit '' upon contact US bank they indicated they had denied my claim because it was n't a duplicate charge. Upon speaking with the bank they indicated they were treating the transaction as if it was duplicated, which is contrary to what the letter I received indicates ( Quality of Service ). During my conversation it was discovered they had n't received all the documents and failed to perform any follow up or resolution. They treated the transaction as a duplicate and on XXXX I received XXXX overdraft charges for XXXX a piece. I immediately called the bank and explained that this was n't correct. The representative was immediately condescending and rude indicating that the investagation was completed and they would n't refund the amounts. I indicated that the investigation was done wrong and that it was n't treated as a quality of service claim. When I asked for a Manager i was immediately hung up on.

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 2015-12-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Campus Student Funding, LLC
State: OH

Complaint narrative:
Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-01-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: WV

Complaint narrative:
I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have been a loyal US Bank/Club Carlson credit card holder since XXXX '13. Initially I was attracted to this card due to the " Bonus Award Night '' that was offered along with Gold membership at the hotels. My husband and I have stayed at your properties around the world and have aligned our spending and stays with your locations. I was dismayed to hear that the best perk of the card, the one that set it apart from the competition, was being cancelled and replaced with a substandard offer. I pay my annual fee this month and your decision to cancel this benefit has forced me to question my relationship with your brand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I had a checking account with US Bank that I requested to be closed in XXXX. It was never done and they continued to charge me fees. Then they forced the account closed in XXXX with an outstanding balance for XXXX. I have been making payments to the collection agency on that balance since as I was unable to get US Bank to waive any of those fees. There is a payment plan in place. The account is closed and I 'm paying fees for them forcing the account closed. Then in XXXX there was a refund issued to that closed account of XXXX ( not sure where the refund came from ), US Bank then reopened my account for the XXXX and sent me a deposit statement. Then US Bank charged me XXXX for that paper statement, making the account negative. SO they reopened the account that was closed and charged me to close the account in the first place, XXXX in fees, which I have been paying. Then charged me XXXX to send me a paper statement, on a closed account that I 'm paying the collection agency for. I have written them several letters regarding this and they continue to send me a statement each month showing a negative balance. I closed this account, they never closed on their end and say they do n't see my request. Then charged NSF fees, monthly service fees and eventually closed the account, charging fees for that too. When I finally received the letter that the account was closed back in XXXX 2016 ( 5 months after I asked them to close the account ) they said I owed XXXX in fees. I set up a payment arrangement with the collection agency and have been paying. I wrote them many times over several months disputing the charges and the account balance, to no avail. So now months later they took it upon themselves to reopen this account and again start charging me 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 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XXXX XXXX XXXX, 2015, I attempted to deposit {$800.00} cash in the ATM at the US Bank location at XXXX XXXX XXXX in XXXX XXXX, MO. The ATM was unable to complete the transaction and issued a receipt with a toll free number to call. I received an e-mail on XXXX XXXX at XXXX XXXX stating the deposit transaction completed. The money was still not showing in my account. I called the toll free number, as advised by the branch manager, and started a Reg-E claim. At this time I was told that it would be XXXX business days before my {$800.00} deposit was reflected in my account. My fianc called and tried to speak with the manager because this incident occurred at another US Bank in XXXX and the branch manager was able to issue an instant provisional credit. I still do not have the money in my account, even though I provided the e-mail showing the transaction was completed. I have been advised that they would reverse any NSF fees, but I fee they should also compensate for the inconvenience and interest, as US Bank would charge. This has been a horrible disservice to me and my family as our rent check will be returned and while the account is overdrawn, I have {$50.00} cash to fee my family of XXXX. We should not be inconvenienced due to US Banks faulty equipment. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP

Complaint narrative:
While attempting to withdraw XXXX from a US Bank atm in XXXX Oregon with an XXXX atm card, I was sent to a screen asking me if I wanted the currency converted from my XXXX bank account to XXXX before withdrawal or whether I just wanted to proceed with the transaction. The conversion rate offered on the screen was significantly lower ( XXXX4 % ) than the market rate XXXX would receive by simply proceeding with the transaction. Meaning that the bank would make a significant profit over an above the fees already charged from unsuspecting customers who elect to exchange the currency on this screen rather than just proceeding with the transaction. The only legitimate reason it would ever be in the customers interest to take this conversion offer is if the foreign institution charged a currency conversion fee that exceeded the difference in rates. Since foreign transactions fees at many banks are flat fees or waived on many types of cards, this offer in most cases amounts to tricking unsuspecting people into paying an unnecessary fee.

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 2015-07-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
My wife 's wallet was stolen, so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account, due to them just sending it to a different account is not possible for obvious reasons. XXXX, the company who refunded our money sent the money, we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank, they refuse to give us the money that was sent to our old account, that has my and my wifes name. They already did this with one of my paychecks.

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 2015-09-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month.

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