vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I executed a new Lease agreement XXXX/XXXX/16 with XXXX XXXX XXXX in XXXX, Pa. The loan was placed by the dealer with US Bank XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. Phone # XXXX XXXX. I received my first " Lease Billing Statement '' from the bank dated XXXX XXXX, 2016, Payment due XX/XX/XXXX16. I then set up a Bill Payer account with my bank, XXXX, here in XXXX, Pa. The check was sent XXXX/XXXX/16 and received by the US Bank N.A. I next received a Lease Billing Statement dated XXXX XXXX, 2016, for XXXX payment. The check was dated XXXX/XXXX/16 and cleared the bank XXXX/XXXX/16. I started getting calls from the US Bank, approximately on XXXX XXXX, 2016, saying that they did n't receive payment and I will be incurring Late Fees if not paid. I checked with the XXXX and the check was stamped on the back " For Deposit Only, US Bank, followed by " Credited to Acct XXXX XXXX, also a Return Acct #. I called the US Bank and gave them the above info and was informed by several individuals that the account numbers mean nothing to them and that I will have to pay a {$30.00} fee for a " Research Request '' for them to locate MY CHECK in their accounts, to which I refused. I called back and spoke to a XXXX who said that no, I do n't have to pay the {$30.00} dollars and she will fill out the request and forward it to their " XXXX Research Dept. '' Also, XXXX faxed a copy of the cancelled check to the US BANK XXXX, at Fax # XXXX XXXX, provided by XXXX XXXX US BANK XXXX I have again received calls from the bank stating that my payment is late and I 'll be incurring late fees and this may affect my credit rating. I 've been pleading with the banks reps to please look up their account # 's on the back of my cancelled check, to which they ALL replied that 's not possible. I did make this payment and am being treated rudely and unfairly by this banking institution, which I have NEVER had in the past. Yesterday, XXXX XXXX, 2016, I called the US Bank, one more time, to discuss the matter and was told they may not be done researching my payment until the XXXX of XXXX. The rep said that they received my copy of the cancelled check, but he could provide no resolution and I should n't be getting any payment request phone calls ( harassment ) for another 5 days. Thank You for any assistance that you can provide. I 've never in my XXXX years received such disrespectful and unprofessional business practices as I 've received from the US Bank.

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 2015-12-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I got the XXXX XXXX US Bank Credit card a couple years ago. Within the last year, the benefits for the card have been removed. I have paid the annual fee to receive these benefits. Specifically, there is a benefit to receive a free night with a points booking after paying the annual fee, and this has been taken away. XXXX XXXX is not living up to their end of the bargain, as I have paid the annual fee and am not getting any of the benefits. 

Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee " and the Bonus nights are listed as a benefit for paying the annual fee, hence, Bonus nights are a benefit of the annual fee I am paying. 

The language included in the agreement I signed up for states that I get the 2nd free night after paying the {$75.00} fee. US Bank/XXXX XXXX is not living up to their own terms & conditions. 

Please let me know any appropriate follow-up with CFPB or XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Schreiber Law LLC
State: ME

Complaint narrative:
I am attaching the documents I received today from Schreiber/Cohen LLC on behalf of XXXX XXXX XXXX XXXX. The documents were very poor quality photocopies. Parts of the documents were blacked out and the envelope was hand written. I have no idea if this is legitimate. I have NO problem working out a payment plan with a creditor if it is legitimate but this looks questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: IL

Complaint narrative:
People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines. 

NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
A leading financial Bank has charged me the loan application fee twice for a new home loan. Even though I have pointed this out to them and provided them all the details about the double charge, they continue to deny and are not providing any direct explanation and neither refunding the application fee. They have charged me {$390.00} once against my XXXX card and then a second time as a loan charge on my escrow statement ( without any corresponding credit )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am in the process of rebuilding my credit after a bankruptcy, and US Bank told me that if I get a prepaid card, my account can be reviewed in XXXX months with the likelihood that I will quality for a credit card. XXXX months elapsed, I inquired, and they told me I had been given the wrong information and that I will likely be able to get a credit card after one year. XXXX year elapsed, and I again applied for a credit card. The answer continued to be " no, no, and more no. '' In the meantime, they collect fees on this card, and would continue to collect fees except for the fact that I just closed the account. While claiming this was a tool to rebuild my credit, it seems to me to be a bait-and-switch gimmick that just racks up money for the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
the lender has neglected to postpone sale during the review process of loss mitigation - the lender deemed the package complete on XX/XX/2017 - sale date is set for XX/XX/2017 Please suspend all foreclosure activity during the review period in accordance with Section 12 C.F.R. 1024.41 ( g ).

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 2015-08-20 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Since a previous check from a US Bank customer had bounced when I submitted it to my bank ( XXXX XXXX, I went to US Bank to cash a new check from this person, to ensure that the funds were there, and prevent any possible fee by my bank if I cashed it there. I presented my government issued identification, but since I do not have a US Bank account, I was told that I would be charged {$7.00} to cash the check. I declined to pay the fee, and asked whether appropriate funds were in the US Bank account to cover the check. I then retrieved the check and deposited it into my XXXX bank account. I believe US Bank should not be able to charge someone for honoring a check drawn on one of their checking accounts, so I am submitting this complaint. I think CFPB should look into this practice, by US Bank and any other bank that offers checking account services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
i was injured on the job 1 year ago.got in touch with the company and explained my issue and they said they had a program to help me repay the debt. I just had a XXXX XXXX XXXX XXXX 2015 prior to the XXXX i i set up a hardship repayment program loan with elan fian co and after i made first payment as we agreed over the phone. i found they were still reporting me negative to the credit bureaus and then the original monthly payment amount changed and they could not validate/explain to me why. I have hired XXXX to help with the situation. i changed my phone number because they were calling and harrasing me 7 days a week well today they got my new number and are doing the same thing again. I cant recover from my XXXX XXXX and worry about this company trying to collect a debt that i did not agree to the new terms the changed without my consent please help me. Thank you XXXX 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 non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card with XXXX balances ; XXXX balance is a transfer rate at 0 % and the other is purchases I make on my account. I am making excess payments that I understand from the Federal Credit Card Reform Act that should decrease my balance on the interest part of the card, however I am told by US Bank that that is not correct and I must pay off the card before the interest part of the account starts paying.

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 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
I have tried several times to modify my home loan with my mortgage servicer, Residential Credit Solutions. Much to my dismay, but not surprise, they have denied me. In my first attempt years ago I fully understood why ; their calculations, ability to find and / or put me into the right modification program. However on this recent last round my income increased making it possible to receive a modification and yet I was still denied. Upon my internet research I discovered that they have been fined through CFPB, and others have stated that this mortgage servicer uses bad practices and never gives modifications. I also discovered that they are a type of home loan warehouse. This is meaning they collect loans ( homes ) and try to possess them in order to sell them off for their profitable benefit. For them extending a modification to struggling homeowners is not in their interest. They take months upon months to complete the process. I was originally told they would take anywhere from 45-60 days. It took 6 months ... and I used a housing counselor. 

Is there anyone controlling and checking their behavior and / or true ability to help homeowners receive an affordable payment? Knowing they they have a huge history in dissatisfied customers and complaints what can be done? 

If anyone else has similar experiences with Residential Credit Solutions ( RCS ) please write in and share your story, but most of all file a complaint. They are run by execs who have in their previous employment been fined, brought up on charges, and convicted of bad practices. This is an awful company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have a mortgage with Chase. They have been charging us for Mortgage Insurance. 
Chase for several years kept on telling us we were underwater. First they said they were using a formula that XXXX used. XXXX denies getting involved with the mortgages that they invest in. XX/XX/2014, since we were underwater, we filed a request to Arizona Department of Housing for a grant. Arizona did a complete analysis of the value of our home and determined that our Home was not underwater. We sent the documents to Chase and they ignored our request. We even sent them a Agent 's opinion regarding the value of the property. Never a response. We requested several times a certified copy of the insurance policy so we could review the terms and conditions. The only response we received was a call advising us that the policy was confidential. Nothing like hiding the facts. This year we received a statement advising us that we could request the Mortgage Insurance removal. We did and we received a letter requesting over {$450.00} to review the property. Chase already had the information for over two years and they did nothing. Further, the money they want is really a penalty for the removal of insurance that, under the present value, will pay nothing. Its an illusion that the bank is merely making pure profit without any risk. This conduct is unethical and criminal, taking money for an illusion where there is no risk. We should be allowed to see the policy and the bank has the ability to verify value without making us pay money which acts as a chill from customers to request the removal of the mortgage insurance. As a simple alternative, a reasonable fee could be added to the loan without making people spent almost a year of premium to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.

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 2016-07-28 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
My Fidelity Rewards Credit Card account was sold to Elan Financial. Neither XXXX ( who had managed the account ) nor Elan Financial notified me of the change in account status. They also failed to send me a new card and I only found out about the change because my old card stopped working at merchants. Wait time to connect with an Elan Financial representative was over 20 minutes, twice. It is lucky I caught it now because payment is coming due next week and would have gone to the old address ( and been denied ) rather than the new Elan Financial payment address. Elan claims to have sent a letter and new cards, and gave me a bit of runaround before agreeing to send new cards.

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 2016-07-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.

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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX, I was switching auto insurance companies. I had cancelled my insurance with XXXX, however they ran an unauthorized charge on my checking account. This thus led me to incur overdraft fees. After contacting US Bank, they explained to me that they would remove the charge and fees if XXXX reversed the charge. I called XXXX XXXX and asked them to reverse the charge, they stated they were n't able to do it electronically, but could issue a check. I called US Bank to confirm this was ok, the CSR stated it was fine, I would have to deposit the check into my US Bank account. After receiving the check, I deposited it immediately and called US Bank right after. The CSR I spoke to, stated they would reimburse the fees. A month or so later, I get a letter from US Bank stating my account was closed for having a negative balance, and that it was referred to collections. I called US Bank, and the manager I spoke to, his name was XXXX, stated they could n't do anything since the account was transferred to the collections agency and that I would have to speak to them. I explained to him that the charge was unauthorized, and that the payment had been returned. Again, he stated US Bank could not help me any longer. This is irritating because I am being hit with fees for a charge I did not authorize, and now my credit is in jeopardy.

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 2016-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
XXXX XXXX, from U.S.Bank Consumer Banking Default Management did n't t fully resolve my issue in reference to someone using my personal information to open up XXXX checking accounts with U.S. Bank. Review Consumer Financial Protection Bureau Case # XXXX. I want to know is my name, date of birth and social security number clear for me to open a savings and checking account with U.S. Bank. I want to open an account with U.S. Bank, but I need to know has the XXXX fraudulent checking accounts been deleted from under my name, so I can open up a checking account with U.S. Bank.

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