vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: NC

Complaint narrative:
I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have an USBank XXXX XXXX card I opened recently. I keep getting charged late fees even though I pay the balance off early. They state that because I paid early, the payment automatically credits to the prior month and never to the upcoming month. This allows them to charge me a monthly {$27.00} late fee even though I have paid the upcoming monthly due amount early. They say it is my responsibility to withhold payment until some time determined by them to avoid late fees. This policy is designed to allow frequent late fees and to discriminate against the consumer in favor of the bank in a very unfair way. I have never had this issue with any other credit card before, and I plan to pay this off, close it, and never do business with USBank again. In the meantime though I think this company should be investigated and this practice brought to a halt. 

Please note that I paid the balance due on XXXX XXXX and then prepaid more than due on XXXX on XXXX XXXX and then got a late fee on 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 2015-04-10 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: CA

Complaint narrative:
I received XXXX calls from a person naming herself XXXX XXXX : She stated in the message that legal claim was filed against me and that I should call XXXX for more information. She gave the docket # XXXX. She called my Cell XXXX times and my job XXXX. Saying she had to verify information to serve me or call the company, XXXX XXXX XXXX and also Lakefront Processing Solitions. She left XXXX company names in the voice mail. In calling the company I spoke to a XXXX who stated I owed a Pay Day loan from 2012, I stated that was not possible as I did not request a pay day loan was for XXXX 2012. He then said the company was called XXXX that gave the loan. I advised that the loan was not mine, my credit report did not see this loan at all and he said well good luck. To which I replied I am putting a fraud alert on my credit. I have noticed that looking up this phone number and company name, that they have been calling lots of people in order to collect debts from the same month and year. They appear to be phantom debt collectorsThey appear to have a parent company as this name is a Ghost Business in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, New York, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Department of Justice, FDIC, Office of the Inspector General, federal attorney review, Please. This is a complaint about the Consumer Protection Bureau ignoringrequests on Consumer Protection Bureau filings to have appropriate federal attorneylevels review filings since XXXX, 2015. Most especially, the US Bank filings sinceXXXX XXXX, 2015, should be reviewed by the US Inspector General 's Office, as thisOffice addresses fraud, abuse, misuse of banking systems and supplies, federal lawviolations, general misconduct in banking proceedings, etc. It is the appropriatelevel of Legal Review to have the Office of the Inspector General review howCFPB has handled this matter of filings, since XXXX, 2015, with virtually all requesting, in the opening lines, federal attorney and/or federal agency review, bringing andcoordinating all applicable federal agencies mentioned for thorough dispositioning. 

The Consumer Protection Bureau may be obstructing due processes in law, Obstructing justice, not to comply with customer 's requests. Furthermore, CFPBdiscourages further filings in the future, when there are legitimate complaints tobe filed and knowledge is that the CFPB will block the filings from appropriatelevel of federal attorney reviews. The appropriate and accurate description isinvolving a checking account, but all that has been reported involving US Bank, XXXX XXXX XXXX, too complex to categorize, with serious matters intertwined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-24 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:
I was just charged XXXX more NSF fees from my bank. I specially got a cash advance to cover any debits When I checked my account on XX/XX/XXXX all my charges were still showing pending. I am not sure what time in their system items posts. I am not sure if they are posting those items even before the merchant requests payment. They are paying the smaller items first than the larger one, so instead getting XXXX fee you get several. I was charged {$140.00} in fees which is all the money I have. I can not even put gas in my car to get to work or buy food because the deposit I made missed. I just paid {$580.00} dollars in fees two weeks ago, which I did not dispute. My whole payroll check went to paying fees, I could not pay XXXX bill. If I request to have them waived, they do not care because I have had other fees waived and if it was not a bank error.

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 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
When shopping for a home mortgage U.S. Bank made multiple promises to us as first time home buyers which made us select them for a loan over XXXX XXXX. These promises included covering 1 % of the mortgage interest rate for the first year, providing a 0.25 % reduction in the mortgage interest rate for having a U.S. Bank platinum account, and submitting the loan through the Illinois Housing Development Authority for the first time home buyer assistance program. The US Bank mortgage officer stated that US Bank is the only bank which can underwrite for the IHDA loan program in the state. None of these ended up being applied to our account. US Bank even failed to submit us to the IHDA first time buyer program.

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 2016-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect.

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 2016-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month, my statement indicates " all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words, the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also, regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market.

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 2017-03-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My US BANK PLATINUM VISA CARD FALSELY REPORTED TO ALL CREDIT AGENCIES that I made a late payment when in fact I had paid off the credit card for years! 
It is totally astonishing that US BANK PLATINUM VISA CARD company made such a huge error that has such a negative effect on my life. After years of building a perfect credit history, and paying off all my credit cards, I applied for a home loan only to find that I have a " LATE PAYMENT '' reported by your company ( Sometime around XX/XX/2016 ). I found that very alarming because I had just paid off my US BANK PLATINUM VISA CARD and my balance was at {$0.00}. After I paid off the US BANK 'VISA I was shockingly charged a {$2.00} 'interest charge fee ' ( on a balance of {$0.00} ) then a 'LATE PAYMENT FEE ' for {$54.00}?! Worst yet, I did n't find out until MONTHS later, after the company submitted a damaging report to credit agencies FALSLY reporting that I had missed a payment! These charges were quickly reversed. However, my credit score is STILL DAMAGED : I was refused a home loan because of US BANK PLATINUM VISA CARD 's FALSE CLAIM! 
How can such a massive heartless blunder still occur? What measures has VISA company taken to prevent this from happening to another innocent person in the future?! 
My request : send a letter of correction to retract your previous false report to all credit agencies with the same expediency and vigor which they erroneously charged my inactive account interest fees, then late payment fees and then falsely reported against my credit ... They did nothing.

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 2016-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. 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
Consumer complaint received 2016-10-10 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: National Principal Group, LLC
State: ME

Complaint narrative:
Receiving phone calls at work from NP Group XXXX. They will not give me information, just say I took a payday loan ( I did not ) that needs to be repaid by phone. Two calls so far. Other businesses in our area receiving the same call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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:
Over the past realationship with US BANK they have prevented me from making a deposit to pay for items that have not posted in anyway visible to me the day of only after the item ca n't be paid for via me can I see it they post during XXXX an XXXX and that 's not even banking hrs. 5 minutes after I get the notice in my online mobil banking ledger that would Be 5 min too late. I eat a {$36.00} FEE that was charged the next day??? YES! They are not consumer friendly they want there fees and refuse to hear out the unreasonable bank tactics.

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 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We are trying to get help from USBank by modification of our loan. We have been asking for help and we have been sending in a lot of paperwork that they asked for, but all the do is pick it a part. We have been trying for over three months to get them the paperwork they want, but there is always something wrong. They wanted XXXX pay check stubs which we gave them and then they say, how do we know that there was a pay check under the pay check stub. Sent them bank statements right from our bank and it 's never what they want. The agent at our bank said that she does n't know what else to send them. It 's been three months now and we have given up, they won, all we can do now is walk away and give them our home. We have never missed any house payments anywhere in 45 years, but they wo n't work with us and they keep playing these games. It does n't make any sense to continue to make mortgage payments, it would be just a waste of our money. I am XXXX years old and never had these problem before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC
State: TX

Complaint narrative:
I am being harassed by a company that will not give any of their information. They are not only harassing me but also my brother and an old roommates MOTHER, whom is n't even related to me. When I ask them for information they refuse to give anything. They say it 's for a payday loan that I do not have. I checked my report and there is nothing even close to that on there. They continue to call but refuse to provide any sort of written documentation or tell me who they are. They have also threatened me with jail, which I know is illegal. How do I find out who these people are and have them appropriately punished?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: Associated Credit Services, Inc.
State: CT

Complaint narrative:
I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.

Company response to consumer: Closed with explanation