vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 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:
I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
Apparently US Bank issued an escrow refund check on XXXX XXXX to an old address which I have not lived in since XXXX XXXX. I have been receiving and paying all mortgage bills from my current address since this company took over the mortgage. 

I never received the {$2000.00} refund and now they want to charge me an additional {$15.00} for them to send a new check to the correct address, the address I have been at for over a year. Also they have never noted anywhere on any bill or statement about the fact that I had a credit of {$2000.00}. 

Whenever I call I get stuck on hold for over an hour, and all they do is give me the run around. They have earned interest on this money, yet want to charge me more to re-issue this check. 

My mortgage Account number is 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 2015-11-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I have been trying with no success for an explanation or an investigation into a debt on a credit card I have with Elan Financial which I havenever used .This came to my notice when I applied for a mortgagetwo months ago.I requested a statement from Elan which they sent, onthe statement there are XXXX transactions with sidetick ( phone number ) XXXX, I am 100 % sure I never used my credit card for anypurchase since I got it, I have been calling ELAN financial since thentrying to get them to investigate the matter so it is taken off my credit, theyhave not been professional about it, some of the customer service people have been very rude, some do not know what to do and just transfer meto other departments, I can be on the phone for about an hour and betransferred to about XXXX different times to different departments, I speak to someone in fraud, who will then transfer me some where elselike collection, collection will also transfer me back, I get so fraustrated, they dont even update my information when i tell them, it is obvious noneof the customer service people care..I have tried onserveral ocations with no luck.I have even spoken to some supervisorswho will say they are starting a case for me, and that someone from fraudwill get back to me, but I later find out nothinghad been done because when I call the next time, they tell me the same thing.This has been going on for about two monthsd. 
Yersterday after trying for a long while, I got some one who once againtold me she was opening a case for me, but annoyed me by saying thecase may not be pursued because it is over a year the last transactionwas made.I tell her that is wrong because I never used the card, the transaction on the card was not made by me and I am sure they can find out if they wanted. 
I now feel like I am being robbed by Elan Finanacial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I had a car loan financed with Exeter bank. On XXXX XXXX 2015 the car was totaled. The insurance company and Gap paid the car off. Exeter bank has been reporting that my account is late from XXXX to XXXX. I have been trying to resolve this issue since XXXX. They are reporting the deficiency balance which they can not collect in the state of New York along with interest and XX/XX/XXXX payment which was due at the time the car was totaled however, the insurance check from XXXX paid for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called customer service on XXXX/XXXX/15 to report an unauthorized transaction to my permanent XXXX visa XXXX prepaid visa card. The transaction was for XXXX from XXXX. I WAS TOLD THAT I WAS CURRENTLY UNABLE TO DISPUTE THE TRANSACTION. THAT I WOULD NEED TO CONTACT THEM IN A WEEK OR SO ONCE THE TRANSACTION HAD CLEARED MY ACCOUNT. THEY ALSO SUGGESTED THAT I BLOCK MY CARD. I STATED THAT I NEEDED TO GO TO THE ATM MACHINE AND REMOVE MY MONEY AND THAT I WOULD CALL BACK ONCE I HAD DONE SO TO BLOCK THE CARD. I ARRIVED AT THE ATM MACHINE TO REMOVE MY FUNDS AND MY CARD HAD BEEN BLOCKED. I PLACED A SECOND CALL AND WAS INFORMED SORRY YOU HAVE NO MONEY WE WILL MAIL YOU A NEW CARD. SO NOT ONLY AM I NOT ABLE TO DISPUTE A FRAUDLENT TRANSACTION BUT I HAVE NO MONEY. I WAS INFORMED BY THE ESCALATION DESK TO GO TO A LOCAL CHURCH FOR MONEY OR FOOD AND TO PUT GAS IN MY CAR OR TO BARROW FROM A TRUSTED FRIEND, OR GO TO A CHECK CASHING PLACE. SO HOW CAN THEY BLOCK MY CARD FOR FRAUD IF THEY WONT ALLOW ME TO DISPUTE THE TRANSACTION TILL THE FRAUDULANT PEOPLE ALREADY HAVE MY MONEY. THEN THE FRAUD PROCESS TAKES 14 BUSINESS DAYS AND NO GUARENTEE THAT THEY WILL RULE IN MY FAVOR OR GIVE MY MONEY BACK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We are lodging a complain against US Bank. My husband is an XXXX XXXX service member with the XXXX, XXXX. We opened our US Bank credit card in XXXX of XXXX. I, the spouse, am the primary card holder. As such, US bank is denying us SCRA benefits unless I provide a court order stating I am financially dependent on my spouse. When we obtained my husband 's credit report, US Bank shows on his report, proving that he is a guarantor on the card and not just an authorized user. 
In XXXX of XXXX, we received a letter asking for a court order stating I am financially dependent on my husband before they would give us SCRA benefits. In response, I sent in our XXXX tax statement proving that I earn no paycheck as I am a stay at home mother. They sent the same denial letter in XXXX of XXXX and we brought this to the attention of a military attorney, who wrote a letter on our behalf explaining that we are, indeed, entitled to SCRA benefits. At this time, we are awaiting response from 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 explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I received a letter from US Bank, the issuer of my VISA credit card. US Bank is raising the interest rate on the card to almost double what it was. Not because we were late with a payment. We have NEVER missed or been late with a payment since we 've had this card which is over a decade. No. They are grossly raising the interest rate because our balance is too high in proportion to our credit limit. Now here 's where the complaint comes in. The only and I mean only reason the balance is this high is because US Bank promoted it! How so you ask? US Bank sent us a few Balance Transfer Checks in the mail. They asked us to please transfer other balances from other credit cards/banks to our US Bank credit card account. This was for a fee of course. So we did this. We transferred XXXX other balances that had a higher interest rate to the US Bank credit card account. Following the sales pitch that US Bank sent us. This essentially doubled our balance on the US Bank VISA card, but it was still well below our credit limit. So now they are raising ( almost doubling ) our interest rate to a level that 's higher than the interest rates were on the original accounts we transferred from. This seems like a " bait and switch '' routine. 

To sum it up US Bank asked us to transfer balances from credit card accounts that had double digit interest rates to the VISA card we have with them that was single digit. We did this. It was a good deal. It doubled our balance but did not put us over any limit. Now after we 've done this US Bank is going to raise our interest rate to double digits that 's higher than the accounts we transferred, and they say it 's because of our high balance ; which they encouraged!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!! 
I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card. 
FirstBank Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I got hurt at work and took a 60 % pay cut. I had a 9 % loan on the house that I could not afford the 9 % after I took the pay cut. I applied for a modification and US Bank said that I qualified for it so in the process of going through multiple surgeries I had to hire a third party to help with the modification which US Bank would NOT coroporate with would n't acknowledge than after months of going back and forth with them they finally gave us a point person to work with. The point person said that they were going to include the back and future property taxes and had told me to hold off on paying till the modification went through or approved. Basically, I got strung along without getting a straight answer for about 3 years. Then they refused to take my payment for 8 months. Finally the modification was approved only for 54 months and it did not include the back taxes like they said it was going to be only future with the loan. Because of this the XXXX I owed in back taxes ended up being XXXX ( due to the 80 % charge penalty from city ) US Bank did not include them in the loan. Now they paid the back taxes and want {$5500.00} plus the loan payment of {$1500.00} which I signed an agreement of XXXX to pay with the taxed included. I went to them for a modification to afford the house. At that price I do n't who can pay {$8000.00} a month for a mortgage. It 's not like I said I could not pay them it was the 9 % and paying the taxes on my own that I could not afford. It seems odd that I am paying {$1500.00} a month for a {$45000.00} loan for 4 years. Than I received another letter stating my new payment was {$2300.00} for 54 months. I still can not afford that. I just need the loan for 10 to 15 years so that I can afford the payment and stay in my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
traded in a leased vehicle during final months of lease term for an XXXX leased vehicle in XXXX, XXXX. All final lease payments and terms were paid to US Bank per their payoff demands in the transaction. I just received a property tax bill for the entire year of XXXX from US Bank ( on XXXX/XXXX/XXXX, more than 4 months after completing final payoff per US Bank demands ). Called US Bank to dispute, was told that I can do what I want in regards to the bill, they will submit report for non-payment to credit reporting agencies if I choose not to pay. Not willing to remove charge for property they have already received final payment on ( 4 months prior ).

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 2016-06-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP

Complaint narrative:
This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three 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 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Our auto loan payments with US Bank were behind ( generally not XXXX 30 days ) for several months causing some late fees, which we are not disputing. However, come XX/XX/XXXX we were able to make full payments of outstanding balances, fees, etc. We received a statement from the bank dated XX/XX/2016, with a {$0.00} balance due for the following month -- all late fees, previous balances, upcoming payments, etc were satisfied. 

In XX/XX/XXXX, we received a new statement. Despite our P/I payments totaling only approximately {$440.00}, it appeared the bank was trying to double-collect on past fees, requesting an additional ( approximately ) {$120.00} in addition to our loan payment. 

Viewing our statement history over the last 12 months, all fees were already included in payments due on previous statements, and were satisfied in full. Upon contacting US Bank, they claimed there was a posting error, and that they would fix the issue. In the mean time, we continued to receive collection calls and additional late fees for not paying the error. Following XXXX calls, all of which resulted in a promise to investigate and call back, no calls were returned. In addition, collections continues to call, noting that they are unable to see details from the loan servicing department. 

It has now been over a month, and the bank continues to not answer questions about the fees, and insists they should be paid despite not being able to explain their math, beyond what they say was a " posting error ''. We are seeking assistance in the resolution of this matter. The principal and interest payments are still being made, but the extra fees ( and late fees on said erroneous fees for not paying ) we are stating are incorrect. We have not received any clear explanation as to why this exist, and do not see these as valid. 

We will attach statements showing payment of the balances.

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 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems is reporting XXXX collection accounts on my credit report : {$1500.00} & {$620.00} respectively. I have contacted their office several times asking for an itemized summary of the charges that constitute these debts, but they will not supply me with this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: FL

Complaint narrative:
ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. 

ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? 

I do n't want this to affect my credit, and need help from someone. 
Please help me! 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: TN

Complaint narrative:
I have a debt on my account for a collection agency that i do not recognize, also getting phone calls for collection agency asking me to paid a debt who does n't belong to me. I am on the Do Not Call List and getting calls constantly from XXXX numbers I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 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: Pinnacle Credit Services, LLC
State: MI

Complaint narrative:
I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have been unable to drive my vehicle due to Exeter not sending my Title to the Georgia MVA over a year ago. Upon discovering this at the end of XXXX when I attempted to renew my registration, I requested Exeter send the title so I could register my vehicle. It has still not been sent as of today, XX/XX/2017. 

When I spoke with a representative in XXXX, she agreed to have the payment that was due moved to the end of my total payment cycle. That was not done, and Exeter is reporting me as being 30 days late to the credit bureau for a vehicle I have been unable to drive due to their inaction. 

Additionally, they have repeatedly sent the wrong document, which I have told them every time it happens. Some of the representatives have been extremely abrasive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation