vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents.

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 2016-05-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.

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 2016-01-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We had a line of credit loan with Sovereign Bank. Santander Bank apparently acquired the rights to this loan. After getting the run around with Santander, we paid the loan off in full with Santander in XXXX 2013. Yesterday in the mail, I received a bill for {$65.00} from Santander for a fee on this account. I called Santander. I was passed around to four different operators. I asked to speak with a supervisor after speaking with the second operator. I was never handed off to a supervisor. I was told I needed to go to a local Santander Bank branch to prove my identity. Yet they kept verifying my identity with each operator I spoke with. There are no local Santander bank branches in my state. How can Santander bill for a fee and for what after the account has been closed since XXXX 2013?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Late charges imposed unfairly by lender : Late charges of {$29.00} were imposed by US Bank on my car loan in XX/XX/XXXX and XX/XX/XXXX. I mailed the payments to the bank at no different times those two months than in the preceding five months since the loan was initiated, yet in the previous five months the payments were recorded as received no later than the XXXX of each month, but in XX/XX/XXXX and XX/XX/XXXX, they were recorded as being received on XX/XX/XXXX and XX/XX/XXXX. 

When I called the bank 's customer service number, the representative I spoke to said there is " processing time '' involved between when the bank receives payments in the mail and when they get posted to customers ' accounts - usually a few days. I protested that it was unfair to impose late charges on customers if the bank does n't record them as received on the date they actually are. The representative said she was n't authorized to reverse the late charges but would forward my complaint to a supervisor who would be, and that the supervisor would get back to me. However, no one did get back to me and no action was taken to credit my account for the late charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: U.S. BANCORP
State: OR

Complaint narrative:
10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XXXX XXXX, 2015, I used my MoneyGram account to send monies to my family member who is in XXXX for {$170.00} and a friend who live in XXXX, Florida for {$100.00}. 

Both transaction was blocked and I did not found out until my friend in Florida told me the MoneyGram said I had to call them, so I did and they ask me for all of my personal information plus for my birthday, I ask why, and was told my the telephone representative that my friend name was on a government list. 

Then this morning XXXX XXXX, 2015, my son call inquiring about his monthly fund that he has not received yet. So again, I immediately call MoneyGram and spoke with XXXX, XXXX, XXXX, and XXXX they all said that my name was being block by the government, and any action of money transferred by money was under review and that I must provide my birthday and driver license for the transfer to go through. 

I question them as to what government agency ask them to do this, please supply me with name and phone number they said they were not authorize to do so but if I wanted the transfer to go through then I must give them my personal information, I told this on XXXX/XXXX/2015 by XXXX ( this was the last person that I talk too ) I told her I was not given out any more of my personal information, nothing but : my name, address, phone and their transaction refer number for {$170.00} or for her to gave me a refund for {$170.00}. 

After a few more minute of her explaining to me why she need my birthday and driver license and me refusing to do so, she decided that she will go ahead this time and release my money to my son. 

I need to know what government agency have flag my name, my family, and my associate name and for what reasons and is this legal for MoneyGram hold back a person domestic money transfer and/or have the person call and their representative ask for the consumers for their personal information in this day a time especially with identity thief as high as it is? 

Please help me find out why occurring to MoneyGram the government have flag my name and my family and friends name, if I am under surveillance by my government, why am I? 

Thank youXXXX XXXX ( Anytime : day or night ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Simple question : I got my free credit report at XXXX and it showed a credit card with a XXXX balance from 2013 at US Bank. I thought I closed it long ago if it 's the XXXX I remember ( XXXX card? ) and I 've kept no info on it now and contacted US Bank to close the card. They do n't have a record. I 'm concerned that old card being open for so long could be impacting my credit score. What can I do? thanks.

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 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
1. on XX/XX/2015 BOA charged me {$35.00} twice on a single {$12.00} order of checks! BOA must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, BOA charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, BOA could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, BOA collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe BOA computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from BOA for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX XXXX 2015 I went to US Bank and told them I did not want my MTG payments for XXXX XXXX XXXX to be taken out of my bank account anymore. XXXX XXXX XXXX was changing my loan amount I did not know to exactly what amount. I only had a certain amount going into US Bank each month and I did not know if it would cover the new amount. I needed to pay my own bill. I asked what I had to do to make it so that XXXX could not draw any amount from my account. I repeated several times that I did not want XXXX to withdraw any amount from my account. The woman asked me several questions and said it was completed. There would be up to 2 years. They could not take any money. When we finished I asked if I had to go to XXXX to close any paperwork I was told no that this would not allow XXXX to draw any money from that day on. I kept asking her if she was sure everything was done she said yes. On XXXX XXXX I went to cash my XXXX check. I wanted to just cash it and not put it in the bank. The cashier only allowed me {$500.00} she said they had to put a hold for 3 days. I became very busy on Monday and Tuesday so I could n't go get my money. On Wednesday I went to get {$200.00} and all my money was gone. I asked how that could be because there should have been {$1200.00} at the least in my account. They told me they paid out {$1400.00} to XXXX this was done on XXXX/XXXX/15 I said I had put a stop payment on XXXX/XXXX/15 and was told that was all I could do. I found out since I could have gone to XXXX and ended this immediately. I asked US Bank why when I asked if I should go to XXXX and they said not necessary why they lied. They said they do n't and I said you mean you would rather hurt your own customers then I left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc.
State: MA

Complaint narrative:
I did a background search on myself and realized that information that should have been removed has not. 
I provided the company with copies of my court order expungements. 
Please see the attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.

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 with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
I was unknowingly charged and excessive amount of interest for a installment loan of 391.93 %. The company was not willing to help me and tried to take unauthorized money from my account under a different name. I was never sent the loan documents to sign, just a i agree button with no interest information included. I was never provided the loan documents until I threatened to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I filed grievance with the federal agencies regarding the transaction of note with my servicer. They never addressed the mortgage broker fraud and appraisal fraud and the many regulatory and statutory issues that I submitted for their review. All they did was state, they serviced the mortgage properly and any issues with the transaction of the mortgage is to go back to my home builder. My home builder did not do the mortgage which they are servicing as an agent of the mortgage holder. Now they sent a letter of intent to foreclose. They never addressed one issue that I raised regarding my transaction of the mortgage. They failed and refused to do so. As a consumer using the grievance process to try and resolve with them has failed do to their refusal to even address one issue I raised. I have now sent copies of my letter attached to my State Attorney office and the banking regulatory agency of my state for help. I also sent letter to HUD and FTC and CPFB and Office of the Comptroller of the Currency. Hopefully these agencies will be involved to help me as a consumer regarding these serious issues raised and to be addressed to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A long-time customer of ACE Cash express, I took out a loan late XXXX. It was an installment loan, and my payments were about {$220.00} a month for 6 months. I hit on some expenses resulting from personal health issues.My elderly mother took sick as well, making it necessary for me to travel back and forth to take care of her. I had been in communication with ACE about this. I called them XXXX/XXXX/XXXX to advise them that I would get back in touch with them on XXXX/XXXX/XXXX to make a payment, at which time I would have funds to work with. I then left and went to be with my mother in the hospital for 3 days during XXXX.I had just enough money for gas and meals while I was with her, and to pay on my phone and electric bills. I had no more than that to pay anything else. Ace debited my account without my authorization for the full {$220.00} I owed them. Yes, I owed them the money ( even though with the XXXX installment payments I had already made, I had paid them more than twice the amount of the loan, which I knew going in ). But I do not feel they were within their rights to debit my account WITHOUT MY AUTHORIZATION! This created a horrible situation for me, and I was already dealing with my own health issues as well as my mother 's. When I called and spoke with a supervisor, they were not interested in trying to redeem the situation. The fact that I had been a GOOD customer for 10 years or more made no difference to them.They had never done anything like this before. Presently I have a letter pending to their president, but I do not expect anything more than a canned response telling me how it was their right to take their money because I did not have any payment arrangement in place with them.But could they not have advised me that this was their intention when I spoke with them, prior to doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
i have a loan XXXX the company states that I verbally gave them collateral ive missed XXXX payments now the company is calling threatening to have me arrested on a XXXX felony I get ssi as my only income

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
FST NAT COLL XXXX XXXX XX/XX/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX/XX/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation