vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: SC

Complaint narrative:
Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
US Bank has charged unauthorized charges back to an account they closed. 
They are not legitimate and continue piling on unathorized charges to a closed account to fraudulently increased the amount owed on this account. 
All i want is a truthful balance so it can be paid off and I can be rid of this terrible Bank but they keep cheating denying due process on disputes that were open before the closure. 
This arbitrary process of charging a closed account and accunumlating fraudulent interest on top of it must stop now.

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 2015-07-01 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a " no-interest for one year '' credit card in XXXX 2014 from US Bank. After I paid off a balance at a " cash advance '' business with the credit card, US Bank started charging me interest on the balance that I paid off. I have contacted them 2 times regarding being charged interest on what is essentially a balance transfer and they insist that it was a " cash advance '' and that they are justified in charging me interest on that balance. I never received any cash from the credit card, simply gave the credit card number to the cash advance store to pay it off. My last communication with US Bank included a copy of the receipt for the payoff, but they still insist they are justified in charging me interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opened a checking account with a targeted new account bonus, which I correctly entered into the online application. I fulfilled the direct deposit requirement and all other bonus requirements, and was even told by a customer service rep that I would receive my {$200.00} bonus in XXXX - as of XXXX/XXXX/2017 I have filed several requests and have not been paid my bonus, as well as having been charged a monthly maintainance fee of XXXX twice, while i wait around for my bonus which is almost 3 months late now. I am very unhappy with US Bank in this situation, as they got a new customer without paying out the incentive.

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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The details are in the attached letter that was sent to the bank. 
I was pressured into giving up my car and buying a newer one a at XXXX XXXX XXXX, CA. This matter is with the banks- Firstly, the bank issued a loan that I had no ability to repay. My income was, and still is {$480.00} that I receive from the VA for my XXXX. 
Second issue, the bank unilaterally changed the contract by altering the interest rate. 
Third issue was a disaster when the vehicle was repossessed. They mis-handled funds, sent letters saying they would do one thing and then did another. The entire evolution was a XXXX show. Excuse the language. 
Please see the attached letter I have sent to the bank. They did not respond to the letter, nor claim to have received it. I guess I ca n't prove that either 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 2016-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am working on an FHA short sale with US Bank - They have not responded to the offer I sent them since XXXX 2015

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 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX we received our XXXX from US Bank, and filed our taxes. In XXXX we received a corrected XXXX although it matched XXXX received in XXXX. On XXXX XXXX, 2016 we recieved letter stating both XXXX were incorrect and we would receive a corrected XXXX in XXXX to 15 days. On XXXX XXXX day XXXX from letter I called and was told they had still not been done and they would be mailing soon. Although no date has been set. In addition US Bank had been overcharging us on XXXX XXXX Taxes. I called to have our file reviewed and 3 times they closed or went past due date to refund us our overage in our Escrow account. It took many calls and each time they danced around and are still holding over a 2 month cushion in my Escrow account. They keep saying they are holding 2 months extra of Homeowners Insurance. They do not pay that, we paid for one year in our closing and pay out of our own pocket each XXXX. Morally this company is holding overages on Escrows, not responding or mailing out forms in a timely manner. We will have to refile our taxes and yet ca n't even seem to get our corrected XXXX. Please help the customers of US Bank I am sure I am not the only XXXX they are doing this too. They need to be investigated and audited. 

Thank you XXXX XXXX

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 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: National Principal Group, LLC
State: NC

Complaint narrative:
Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consolidated Recovery Group, LLC
State: NY

Complaint narrative:
I wrote debt validation requests to this company and they refused to send me verification of debt. They have also ignored all of my letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I opened a US Bank checking account with a promotional offer. The first promotional offer was to receive a {$150.00} bonus after completing " XXXX or more U.S. Bank Bill Pay transactions of at least {$25.00} each within 60 days of account opening. '' I did completed XXXX transactions and received the {$150.00} bonus within a few days after completing the bill pay transactions. The other offer was to receive a {$50.00} statement credit on a new credit card if you " make XXXX separate Net Purchases ( purchases minus credits and returns ) totaling at least {$25.00} each with your new consumer credit card no later than 60 days after your account is opened. '' I opened my credit card and completed the XXXX transactions over {$25.00} that posted on XX/XX/2016. Per the terms of the promotional offer, the {$50.00} statement credit was suppose to be applied with XXXX weeks after making the qualifying transactions. Consequently, I should have received the statement credit by XX/XX/2016. I did not receive it on my XX/XX/XXXX statement and contacted US Bank . I was assured by XXXX at US Bank that I had qualified for the statement credit and the {$50.00} statement credit would be on my XX/XX/XXXX statement. My XX/XX/2016 statement arrived and I did not receive the credit. I contacted XXXX and the general US Bank credit card customer service and they indicated that they are looking into it and could not provide a timeline when I actually receive the {$50.00} statement credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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 has charged me overdraft fees when I was assured that they could not occur. I deposited money into my account before it was negative and it showed as deposit accepted before the charges came out of my account. However, I was charged an overdraft fee ( for the third time ) after I had called and told them to stop allowing it to charge me overdrafts and they assured me it would not. They have also charged me overdraft fees in the past when I had money in my savings account. It was suppose to connect to the account and transfer over so it did n't cause an overdraft. They instead charged me a ton of overdraft fees and then when I called waived them but used it toward my curtosey fees and now even though they should have never charged my account for overdrafts they once again charged it. I called the next day to find out why and they said the money was not in there in time. That is not true but despite if it was or was n't they stated twice and now three times that the overdraft protection was on and they would not charge me but wo n't refund me my overdraft fee. They are literally scammers when it comes to that. I have called there and they will assure me of certain things and then a month later I 'm hit with a fee or something does n't go through or they take my money and I have to wait 30 days for it. I know that my deposit was approved before the withdraw occurred and I was told it would not process if it had n't been because I had overdraft protection. They use to have a line of credit but they did away with it. HELP me get my overdraft fee corrected and have them do better business. I have been a loyal customer for over 11 years.

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 2016-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC
State: CA

Complaint narrative:
I had told the original debtor we do n't owe that money and then I even included it in bankruptcy and they keep giving it to various debt collectors and I have told each of the debt collectors sue me and we go forward once I receive your lawsuit do n't threaten me or pretend to work for the government and arrest me. Today they called my neighbor who I do n't know and she came to my door and said this number is leaving a message for you saying they are taking legal actions against you and they will arrest you and I do n't even know our neighbor, not sure why they called her she has no connection to me except we live in the same building.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
on XXXX/XXXX/2016 I received a email from a company claiming to be XXXX XXXX XXXX and they were to be loaning me {$5000.00}. 
It was to be a installment loan that I was to payback in monthly installments over a 10 month period. 

They loaned me no money and instead cleaned out my bank account of {$2000.00}. 

I have contacted the local police and the FBI and the company has disappeared. 

They also deposited a check in my bank account for {$1200.00} and forged my signature. 
I was n't aware that this check was deposited until my Bank US bank Informed me and said it was a ficitious check. 

US Bank has closed my account due to fraud which I understand but they also have tacked on at least {$100.00} in nsf fees and US Bank is wanting me to repay them the amount of the check along with the fees they included. 

This has caused me a great financial hardship. 
It is obvious that I have been scammed and do not have the funds to repay US Bank. 

They are threatening to take legal action against me. 

If there is any advice or help you can give me to get this resolved I would gladly accept. 

I am a XXXX XXXX old single woman. 

SIncerely ; XXXX XXXX XXXX my email address is XXXXXXXXXXXX my phone # is XXXX i do have documents to support these 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 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I contacted U.S. Bank the week of XX/XX/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full XX/XX/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous calls and emails. I started this in XX/XX/XXXX to avoid the exact situation I am now in and it took them until XX/XX/XXXX to submit my application. We have never missed a payment in 8 years and I have asked U.S. Bank to extend the default day from XX/XX/XXXX to XX/XX/XXXX and no one at U.S. Bank is willing to help. My loan officer simply said they can not help to extend the default date and gave me a general number to call. I have spent hours now on the phone with U.S. Bank trying to find someone to help me extend the default date just to XX/XX/XXXX and no one can or is willing to help. I am so frustrated as I was told to call U.S. Bank back about 2 months before the maturity date which I did, to start the process. I made it very clear to my loan officer I wanted to make sure this was complete before the maturity date and that I was concerned about getting it done in time. He assured me it would n't come to that but then they denied my re-finance application on XX/XX/XXXX! This now made it too late to get anything done before the default date of XX/XX/XXXX. No one at U.S. Bank seems to care except one Mortgage Supervisor in Minnesota who has spent time with me on the phone trying to help but does n't have the authority to extend the maturity date. I am still in process of re-financing this loan and have found a bank that is able to do so but U.S. Bank is still not willing to help in any way. I would like U.S. Bank to take the late payment off of my credit since this is due to their lack of responding to my many emails and calls that put us in this situation and I would like them to extend my default date to XX/XX/XXXX. They certainly are n't concerned about our situation or finding any other way to assist us. I am extremely disappointed in their customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
We fell behind on our mortgage when I was out of work and then when I went back to work at a reduced salary were unable to make our mortgage payments. After receiving a notice of default we applied for mediation through a state program and were denied loan modification. We put our house up for sale as we had over XXXX equity in the house and received an offer that we accepted for XXXX under the market value just before the bank set a foreclosure sale date. The contract we signed with the buyer has a closing date of XXXX XXXX, 2016 but our foreclosure sale date was set for XXXX XXXX, 2016. We have submitted multiple requests to extend the sale date so we could close escrow to settle our mortgage and get some equity out to restart with. The Bank has denied our requests and even told us that the Investor, XXXX XXXX denied the latest request. We are simply asking for a 12 day extension to close escrow and settle our account but the bank will not favor our request. The strange thing is that we were told if this was a short sale situation the bank has a policy in place to extend. My only conclusion based on that policy is that the bank and investor see an opportunity to sell our house at auction for more than we owe and come out ahead at our expense. I feel if this is the case it is not a consumer friendly practice and simply benefits the bank and investor. If they were willing to grant the extension and let us settle our loan we could also restart our lives without being in total ruin. I own the financial mistakes I have made and understand I put myself in this situation. I just do n't understand how the bank can have no compassion to simply extend us a few days to cure this issue.

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 2016-09-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
i have a credit card with Fidelity. I had a purchase that I disputed back in XXXX 2016 to XXXX XXXX XXXX - XXXX XXXX. Fidelity moved the credit cards to Fidelity Rewards VISA. Since the disupute started with XXXX XXXX I faxed all requested documentation to XXXX XXXX XXXX. FIDELITY REWARD VISA stated they never received my dispute from XXXX XXXX XXXX. So, I faxed all documentation to them in XX/XX/XXXX. I called in XX/XX/XXXX and they said they still had not received my fax. So, I faxed it to FIDELITY REWARDS VISA AGAIN!!! So, at this point i have faxed all requested documentation to this company. Today I noticed they reversed my disputed amount of {$1100.00}. I called and asked to speak with a supervisor in the disuputes department. I spoke with XXXX employee id XXXX. She refused to give me her last name. I have faxed this information 3 times. Please assist me in this disupute.

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 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XXXX/XXXX/16, I did bill payment from XXXX XXXX serve to U.S bank for auto loan in amount of {$370.00}. XXXX XXXX serve account show my payment was clear on XXXX/XXXX/16, However U.S bank still not received this payment according to U.S Bank. I been call the Both XXXX XXXX and U.S bank almost 2 months regarding this issue. 
Still not resolve. please help me to resolve this issue. 
Thank you.

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