vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
We have a home loan with USBank, and we 're told our insurance 'ran out ' as of XXXX XXXX, 2015, and were sent a letter dated XXXX XXXX stating we needed to provide proof of insurance, or US Bank would buy insurance for us. After repeated faxes and emails to the contact information they provided, our insurance carrier says the emails keep bouncing back, and when I call US Bank, they have no record of the fax being received, either. Several years ago, we received a very similar letter from US Bank, also stating our insurance had expired, and if we did n't provide proof of insurance, they would buy insurance for us. At that time, we did n't call US Bank, since a call to our insurance provider verified we had uninterrupted coverage for the property, and they faced a copy of the policy to US Bank. However, what we did n't realize at that time was that US Bank had changed their fax number, but did n't notify the insurance company or provide them with a new ( correct ) fax number. Because they 'never received the fax ' they charged us for the cost of US Bank purchased extra insurance, and would n't remove the policy and extra cost, even after we provided proof of continuous insurance. They added this extra cost onto our insurance, without notifying us. It was several hundred dollars more a month, for over a year. My fear is that they are going to do the same thing this time, since they have n't been able to provide a correct fax or email address to either us or our insurance carrier. Because US Bank makes a substantial profit on the sale of this type of insurance, my belief is they intentionally change their fax numbers, ensuing insurance updates do n't come through, and charging homeowners for the extra insurance. I have spent over 5 hours in the past few days on the phone with them, just trying to get the correct contact infoation to give to our insurance provider, and each time I get a different email/fax, and each time it does n't work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
US Bank Home Mortgage is attempting to foreclose on my home for payments that I 've already made to them and have sent them proof that the payments have been made. I 've been battling this for 5 months and all they can say is " we 're still researching the account ''.

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 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
the collection company Nationwide Credit Corporation, XXXX, at XXXX XXXX XXXX XXXX Mi XXXX .Keeps sending me the exact same bills that I have already made arrangement to pay from XXXX XXXX hospital. This is a XXXX billing agency that is trying to make money off me through this double billing process. enclosed I have copies of the XXXX company bills and the original bills from XXXX XXXX, In which I am making arrangements to pay them directly. This side collections company However insist on sending me these same duplicate bills, and I am getting very annoyed of their deceptive practices, how can I get them to stop such actions?

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 2015-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
The response received by the US Bank, XXXX XXXX XXXX, Cardmember Services, XXXX XXXX XXXX, XXXX, ND XXXX dated on XXXX/XXXX/2015 is unacceptable as follows : Records found in the US bank card member services files, indicated that, the US bank 's letter of XXXX/XXXX/15 send by XXXX XXXX, Executive Communications, clearly explained that the US Bank made a MISTAKE in obtaining a Hard Inquire on XXXX/XXXX/2015. Having this information on Record, the US bank did removed the HARD inquire. But, on XXXX/XXXX/2015, the US Bank did traspass my personal e-mail address, send me the same credit card application, AGAIN, via my personal e-mail address : XXXXXXXXXXXX. Having received this offer, again, I thought that the US Bank was Re-Considering the previous denial of credit due to " limited credit experience ''. Consequently, due to this error made by the US Bank to offer again a credit card previously denied, I kindly request from the US Bank to remove their HARD INQUIRE which had damage my credit score and is preventing me from obtaining the credit I desperately need at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The Complainant and his wife have a HAMP mortgage with U.S. Bank Home Mortgage. The mortgage trial period plan effective date is XX/XX/XXXX. The Complainant has timely made all monthly mortgage payments. The Complainant has never been delinquent. In response to a letter from U.S. Bank Home Mortgage that was dated XX/XX/XXXX, the Complainant mailed to U.S. Bank Home Mortgage ( via USPS certified mail ) a signed Dodd-Frank Certification. The Complainant also requested in his cover letter that his loan be re-amortized. U.S. Bank Home Mortgage received the signed Dodd-Frank Certification and request for re-amortization on XX/XX/XXXX. ( USPS Certified Mail XXXX ). U.S. Bank Home Mortgage did not acknowledge receipt of the signed Dodd-Frank Certification nor respond to the Complainant 's request for re-amortization. 
Pursuant to Treasury guidelines, U.S. Bank Home Mortgage was required to make a {$5000.00} principal balance reduction payment to the Complainant 's mortgage account in XX/XX/XXXX, the month after the sixth anniversary of the month in which the HAMP trial period plan effective date occurred. U.S. Bank Home Mortgage has failed to make the {$5000.00} principal balance reduction payment. Additionally, U.S. Bank Home Mortgage failed to make an offer to recast or re-amortize the unpaid balance of our mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank reorders transactions. I was expecting a bill payment to come out in the amount of XXXX dollars, and then I had a few other transactions in the pipeline. The transactions on Monday were in order the way they should have been. On Tuesday, the transactions were reordered from highest amount to lowest amount. Instead of getting XXXX overdraft fees, I got XXXX overdraft fees for all of the smallest amounts. There will be another overdraft fee pending even though my balance is positive which will bring it down in the negative again. And the worst part is I bet I will get a sustained overdraft fee to add to the pain. 

It 's impossible to budget and keep the balances straight when transactions are ordered incorrectly. When I have to pay a whole round of bills, I want things to hit the account in the order in which they were processed. No excuses about the merchant is waiting to collect funds.

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 2016-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am extremely disturbed with US Bank because they done everything in their power to not settle wit me. I wired {$19000.00} to US Bank on XX/XX/XXXX and was promised a settlement to satisfy my debt, however for a whole year US Bank was holding my money and was never applied to my loan. To make matters worse US Bank continued charging me interest on the {$89000.00} and late fees despite receiving my {$19000.00} on XXXX XXXX, XXXX. They misled me to believe through a recorded call that I was going to received through mail my settlement but that never happened. Instead they XXXX by just deducting {$18000.00}. from the {$89000.00}. Also after US Bank confirmed that they had received the {$19000.00} I was asked to pay an additional XXXX on XXXX XXXX, XXXX and another {$300.00} on XXXX XXXX, XXXX. According to US Bank it was for all the fees and cost still pending from my settlement documents. I am livid because they kept prolonging my paperwork settlement after I had explained and provided proof to them in regards to the money I had send them. US bank knew the money came from the severance package my husband received due to his work injury and his new income was only going to be XXXX % of what he used to maker. Moreover, they knew my home was underwater therefore I was unable to refinance to combine both of my loans which is why they decided to settle the debt with me for {$19000.00}. I am asking for justice and help a\because they fought and deny I had made the XXXX despite making it in they branch. Finally, they applied it because I mention I would be filing this complaint but still did not settle the account. Please help me get this straighten out because they already have all the money I had saved.

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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank the issuer of the XXXX XXXX Visa Signature Personal and Small Business credit cards charges an annual fee for each on of their cards. I have XXXX of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX hotel you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid XXXX annual fees earlier this year that I would receive the XXXX night XXXX, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
USBank has a pilot project for small dollar loans from XXXX to XXXX dollars, an installment plan to pay it back in XXXX payments. 
On XXXX/XXXX/17 at XXXX XXXX, I phoned the number on the email that was sent to me and gave all information needed. I was asked my residency and told them i am on a XXXX visa in the united states. The agent checked with the underwriter and the underwriter gave approval for a {$1000.00} loan. I was told the money would be in my account within 48 hours. I withdrew the {$1000.00} from my account at XXXX XXXX on XXXX/XXXX/17 ( after the 48 hours had passed ). The money was not in the account. Ii have been charged overdraft fees since XXXX/XXXX/17. I phoned the same division on Monday XXXX/XXXX/17 and was told the quality control at the bank had put a hold on the loan, even after underwriter approval. The agent told me she would look into it and contact me within 1 hour. I did n't received a call back. I phoned again XXXX/XXXX/17 and was told that no response back from the quality control division. I phoned again on XXXX/XXXX/17 and they told me that the loan was denied ( this would be 1 week after it was initially approved ). I have been charged overdraft fees and they bank would not credit them back to me. Until my last call was made, i had received no calls from the bank explaining the loan had been denied.

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 2015-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. 
US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AK

Complaint narrative:
I refinanced my house back in XX/XX/XXXX - because of the XXXX I needed PMI. My PMI was set to automatically terminate at 78 percent of the original loan value and I could request at 80 percent. Back in XX/XX/XXXX I sent to Nationstar who had recently purchased my mortgage a request, along with a copy of my PMI notice and the schedule. They ignored this letter. In XXXX I sent XXXX pointing out that I had reached the mandatory cancellation. They ignored that and took out PMI. I contacted them, there response was to say that I am at XXXX XXXX, which I am not. They have provided me no proof of their assertions, even though I have provided them with the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
This is the XXXX year in a row that my mortgage lender has not made adequate payment for our property taxes. We purchased in XXXX 2015 and mid-year, our loan rolled over to Lakeview Loan Servicing, which we later FHA-Streamline re-financed this XXXX. They have been impounding an inadequate amount of property taxes, which I have repeatedly said was incorrect. And now, the XXXX installment was due, and per attached, they have not made payment. In addition, per attached e-mail streams, they remain incredibly unresponsive.

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 2016-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including TransUnion ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed TransUnion had re-reported XXXX of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, TransUnion has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

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 2016-12-02 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 enrolled myself in the U.S. Bank S.T.A.R.T program on XX/XX/XXXX and met goals XXXX and XXXX by XX/XX/XXXX. They sent out a XXXX $ reward for meeting reward # 1 in a timely manner but upon meeting goal # 2 on XX/XX/XXXX they have not sent out the XXXX $ reward. 

As per the terms and conditions listed in the S.T.A.R.T program " : Reward ( s ) will be sent to the primary savings accountholder within 30 days of goal verification. " It says on my account and via confirmation over the phone and over email that I have indeed met the requirements. 
To quote an email " Thank you for writing to us about not receiving your S.T.A.R.T. Rewards Card. Goal XXXX was met on XX/XX/XXXX ; however, your mailing address was updated on XX/XX/XXXX. Please contact Fidelity Information Services, our S.T.A.R.T. Rewards VISA Card vendor, at XXXX for assistance. Once the dialed, press 1 for English and your card number will be requested. Please stay on the line for additional prompts, and once prompted, select 1 to report a lost or stolen card. For your convenience, specialists are available 24 hours a day, 7 days a week. 


Sincerely, XXXX XXXX. 
U.S. Bank Email Operations Department '' I have contacted Fidelity information services twice on my own and twice with a US Bank representative and have confirmed that no card has been mailed out to my current or former address. I have made multiple phone calls starting in XX/XX/XXXX/XX/XX/XXXX inquiring on where the rewards card was. US Bank confirmed that I have met the terms multiple times but will not issue me the rewards card. On one occasion the representative claimed I did not meet the requirements even though I have multiple confirmations that I did as well as lied to me saying there were no managers to talk to and I would have to leave a message and they would call me back. Upon hanging up and redialing I got a representative that again confirmed that I have met the goals and after talking to a manager confirmed that I do qualify but they need to escalate it internally to determine what to do. 

I have been run around for over the past month and I 'm tired of being bounced around between US bank and their visa rewards card issuer. The representatives have been mostly nice with one notable exception but have been unable to help me at all. This should of been an automatic process and US Bank is not holding up to their end of the program terms.

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