vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
The offices of XXXX XXXX XXXX XXXX sold and unpaid balance to multiple collection agencies and I have to pay multiple times to protect or try to repair my credit, this resulting on lowering my credit score and limiting my abilities to obtain credit to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I bought my house in the nineties from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX. US Bank is n't communicating with me as set out in the XXXX mortgage rules. 

According to the XXXX mortgage rules, mortgage servicers are required to send borrowers a clear monthly statement. I asked them to send me my statement for Loan # XXXX monthly to my address above. They refused. 

I also sent them a certified letter on XXXX XXXX asking them the same thing, along with a copy of my deed, which is recorded at the court house and is a matter of public record, showing that I hold title to the house they hold the mortgage on. 

It 's well past the time they should have responded back that they received my letter and that they will properly communicate with me in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!

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 2016-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I attempted to close a line of credit with US Bank. The line had a XXXX balance and I received notice of annual fee XX/XX/XXXX. I tried to close the line of credit but was told that could not happen after the annual fee had been billed even though per the billing statement the fee was not yet due. The line of credit was initially a cash flow manager for my law practice but I closed my practice XX/XX/2006 so for all intents and purposes this was a consumer line. I contacted the XXXX number on my statement but was told that this must be resolved at the branch. When I called the branch I was told that the branch manger was on vacation ( not to return until after the due date ) but branch staff offered to contact the district manager. The District Manager, XXXX XXXX, refused to waive the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: OR

Complaint narrative:
Regarding RCS aka Residential Credit Solutions , Inc They falsely reported that we submitted NSF checks for XX/XX/XXXX & XX/XX/XXXX payments. 
As soon as we submitted proof that they received payment RCS claimed XX/XX/XXXX and XX/XX/XXXX check payment also was NSF. Then the story changed, RCS alleged that we wrote the check on a closed account. The check had not been presented to our bank. After a heated exchange yesterday, miraculously the check in question was submitted for payment this morning. RCS failed to return phone calls, confirm payments and did not ever mention reversing late fees they assessed to our account. The expedite hot line never returned a call. Customer service was no help and was only concerned with collection information updates. Complaints are filed with Attorneys General with XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened up an account with US Bank for their {$150.00} account opening promotion. A couple days after I setup my direct deposit they said they decided to close my account because of my trial deposits. This makes no sense as when you link any external account a trial deposit is made. They said this is because my name is not on the account and I told them it is a joint account and i can offer bank statement if necessary. This is absolutely ridiculous for closing my account over a trial deposit and I highly suspect they simply do n't want to pay out the {$150.00} bonus.

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 2016-01-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Campus Student Funding, LLC
State: IL

Complaint narrative:
I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim.

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 2016-04-12 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:
U.S. Bank is telling me that I owe them overdrawn balances when, once again, my accounts were fraudulently used and some were opened without my permission. Furthermore, I 've asked them several times to investigate these claims that were fraud transactions and they keep denying me without giving me a reason why!

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 2016-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Us bank keep charging me hidden fees, my account comes with XXXX free atm transactions a month and they charge me for XXXX transactions and i only recieve XXXX free atm transactions. So they charge me {$7.00} of atm trasactions and that gave them a reason to charge {$27.00} for extended overdraft fee but it dont stop there now they will continue to charge {$27.00} for every 8 days. I barley get XXXX dollars of SS XXXX income and i have XXXX kids and this is not right for a bank to take advantage of people like this. please take care of this issue. then if you over draft your account it will be charge XXXX dollars for each overdraft and XXXX dollars for every eight days while your account is in the negitive. they stold XXXX dollars from me last month and they keep stealing from their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
they keep calling and calling, II have ASKED THEM TO STOP

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 2016-12-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I was issued a credit card by First National Bank of Omaha under the title of XXXX. I made all payments at the First National locations in XXXX. I allowed my daughter to use the credit card. 

Today at a trial in XXXX, a XXXX year employee of First National Bank denied the credit card was issued from XXXX. He contended, under oath, that was not possible. But I know firsthand as I used it. I am not denying that, but the employee from the collections department at the Bank was untruthful, as to the issuance, activation and ownership of the XXXX 

The records will verify I made payments until I incurred medical, legal and financial difficulty and I never refused to pay. XXXX, being the XXXX dollar corporation litigated against my daughter and I contending we were jointly responsible. And conveniently, First National contended they do n't have any records prior to XX/XX/XXXX, to verify the card was issued under the XXXX name. 

In the XXXX XXXX on page XXXX item XXXX, it states " From approximately XX/XX/XXXX until XX/XX/XXXX, Respondent marketed and sold the Credit Monitoring Product PrivacyGuard. '' How does XXXX acquire records as First National contended they do not mine have relating to the XXXX Visa? I believe they are involved in another untruthful operation. 

I am requesting an interview to ascertain if an illegal act has been committed. 

Thank you. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of {$2000.00} on XX/XX/2016. Shortly after I received my visa card ending in # XXXX. In XX/XX/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated XX/XX/XXXX & another XX/XX/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I called I ended up being transferred to there fraud dept which I found ridiculous since they changed the address & phone to my other account. After getting no response to my request I submitted a payment to the account above and received a statement with a credit of {$10.00} to the account. I noticed that the account stated that it was closed and to destroy and cards in my possession. I called to be told that it was n't closed, but under review? Unless I received the statement I would have never known it was closed and / or under review! On XX/XX/2016 I wrote Elan Financial a letter which on XX/XX/2016 they acknowledged by updating my address but failed to address the account closure / under review. This time they sent a letter confirming the address change to both the old and new address. We a coming to the new year and I am still waiting for an explanation for there 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 2015-12-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: RI

Complaint narrative:
I have a credit card through Citizens Bank with a payment due date of th the XXXX of each month. Since XXXX 2015, I submitted my payment at the a branch location on or before the due date. However, the bank assessed a late fee for the following months : XXXX, XXXX, XXXX, and XXXX, on the actual due date. A day or two later, the late fee was taken off my account, but XXXX wonders if the bank is collecting any type of interest for the day or XXXX that it assessed the fee. 
Furthermore, the payment is clearly due " on or before XXXX. 
on the XXXX, '' which begs the question as to why the bank is assessing a late fee on the due date? I feel that the bank is assessing late fees on accounts that are not actually late and is benefitting by having the day or XXXX to accrue interest or other monetary gains on accounts that are are not truly late or in arrears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive, it does not clearly state what the fee is, how it is assets or even if for sure it will be billed. It refers you to your terms and conditions, a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid, that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee, if I have to. I just want this company to do better, I think the way this fee is billed is not in a way that is clear to customers and that is not fair. No one should receive their first statement and be surprised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I got behind in my mortgage and sold the house on a short sale in XXXX 2016. Prior to the closing, in XXXX 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In the meantime, the short sale was finalized. The repairs were not quite done at the time of closing, so I got the approval of the contractor, the insurance agent, and the buyer to close. All agreed since the insurance company had already provided the proceeds for the contractor. The short sale was closed and the settlement statement was sent to the insurance agent to ensure that the mortgage had been paid. However, once the contractor completed the repairs, about two weeks later, the contractor was unable to get the funds from US Bank. US Bank applied the money earmarked for the contractor to principle even though they were paid out of closing the money they agreed to on the short sale. I called the claims department at US Bank. They told me they were instructed to do so by the default department. I spoke to the default department, and they told me that the mortgage assistance department was the department that instructed. I spoke to the mortgage assistance department, and they told me that I would have to speak with the claims department. No one there understands why the funds that were earmarked for the contractor were applied to principle, but I ca n't get anyone to take responsibility and reverse the error. In the meantime, the contractor has not been paid and is looking to me to make the payment. I ca n't afford such a payment. That is why I had homeowners insurance. I would like US Bank to pay the contractor the funds that were sent to them that were earmarked for the repairs to the property. I filed the claim correctly and did followed all the procedures required by the insurance company and the mortgage company. I would have preferred giving the funds directly to the contractors, but was told that the US Bank had to be included on the check. Now they have acted dishonestly and will not correct the problem.

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 2016-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation.

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