vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
USBank Credit Card will not cancel card after being notified of death of a family member/cardholder. There is no balance so this is not about a remaining pay off. This is about them ignoring the consumer and being completely unresponsive. Leaving the card active is a threat that we must monitor. 

This is the same card that, about two years ago, the cardholder had to notice " unusual '' transactions himself even though his pattern ( XXXX gentleman ) was very unlike the out-of-state charges made in women 's clothing stores. 

They are unprofessional and the family does not wish to be burdened by watching this card and cleaning up any fallout from their ignoring the reported death of the cardholder.

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 2016-09-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank charges a late fee when I make a monthly payment on time because it is beyond XXXX CST rather than the end of the day. The disclosure is n't shown until submit payment is selected.

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 2015-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for modification with my lender with the understanding that I am working with XXXX. I got denied because of my income according to them. I wanted to further work on it but it was too late for me to do so because my eligibility with XXXX was over. I applied again letting them know about my eligibility with XXXX. All the while they said it is notated in my account. I got approved although my income was still the same with {$49.00} less than what I was paying when I got behind. According to US Bank my approval has nothing to do with XXXX. 

I have been in contact with XXXX about the situation. They have been sending messages to US Bank to send them the documents they need to move forward with my eligibility. I have been contacting my lender as well but it looks like the right hand is not talking to the left hand and most of them do not know about XXXX and what I 'm talking about. Some who know would transfer me to default resolution dept. and I left her messages but nothing has happened and would not return my call either. I need to respond to US Bank about my modification and pay my first trial payment on the XXXX of XXXX which I can not afford. My eligibility with XXXX is expiring in XXXX XXXX also. It 's been more than 2 weeks but nobody is able to help me from US Bank about the documents that XXXX needs. I call them everyday talking to different people with different statement about this matter. If they can only evaluate my modification with the help of XXXX and still ca n't afford the payment then I will quit asking for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This morning I went to the usbank branch at XXXX in XXXX wa I tried to withdraw {$500.00} from my account. when the atm machine went to dispense the funds is jammed, after that I went to the branch at XXXX when I tried to withdraw the money I received a message that I needed to choose a lesser amount. I input {$400.00} and got the same message. So I canceled the transaction retrieved my card and went to finish my grocery shopping. After which I went to the branch in XXXX wa on XXXX. at which point I was informed that they had dispended {$500.00} at the aurora branch and that I did n't have the funds in my account. When I informed the branch manager that no such funds hand been dispensed and exactly what had happened I was informed they were initiating a fraud investigation and I would be informed if the disposition in 10 business days. the fact that it 's the bank itself who has screwed up evidently not being possible. now I have had {$500.00} embezzled from my account which I have to wait until XXXX XXXX 2015 to MAYBE get returned. In the meantime the funds for my rent is in limbo which means come the XXXX when I may get my money back I will have incurred {$600.00} in late fees from the management company. If they do n't return the funds by XX/XX/XXXX my wife and I will be homeless as we live on XXXX and do not make the kind of money that would allow us to pay 2 months rent in any one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I have had numerous issues with US Bank Mortgage from the start and one id the statements that have shown they have not received payment and the statements reflect NO payment when in fact they have by my bank statements, I attempted to rectify the process of them getting payment from my bank earlier to reflect payment received and after that failed I stopped the auto payment process from my checking account and received a letter from US Bank stating that if the stop auto payment was not per their requirements they would continue to draw payments from my Bank checking account. I have decided that mailing payment would be a way to see to it the payments were posted or received faster, and that has proven to fail. On XX/XX/XXXX, I mailed a payment to US Bank mortgage division with payment coupon and then after XXXX weeks and still showing of posting of or proof of payment recieved I mailed yet another payment and I called US Bank yesterday to inquire as what or why there has been no evidence of either payment on my account as of yet and there was no response from the employee and no explanation or evidence of either payment of {$1000.00}. I have received numerous letters stating what I have to do or they will do such as continue to remove funds from my bank account with out authorization and other sort of threats of what they will and can do. I spoke to them yesterday and stated from now my payment will be delivered certified or return mail receipt to prove that US Bank mortgage has received payment.

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 2017-02-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan Financial Services refuses to pay out reward points when I have a statement clearly showing that they are earned and payable. My account was purchased/transferred from XXXX and Elan says they did not get the points. XXXX has no information about the account and will not talk to me. 

The account is registered in my deceased husband 's name and I am his personal representative.

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 2015-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I got a loan for a mortgage in XX/XX/XXXX from USBank. In XX/XX/XXXX they transferred the loan to USBank home mortgage. My payment was over XXXX a month and then reduced to XXXX a month. In XX/XX/XXXX I received a notice that my escrow analysis stating that I was over XXXX short and my payment would go to XXXX if I did n't pay the escrow shortage. I could n't understand how it could be so short since taxes and home owners insurance increased very little. I called them several times without any resolution or explanation on how my escrow was short. I have worried about this for XXXX months getting no actual explanation. I asked several times to sit down with a mortgage person and go thru all the paperwork to explain to me where and when the shortage transpired. I was told they do n't have anyone available since mortgage people are only for new loans or applications. What ever happened to service after the sale. I called my branch bank who tried to help me only to tell me to deal with the same people who had no explaination. I was so annoyed on my last call to them I lost my composer out of frustration. They do n't project concern on the pressure and uncertainty that I worried about for months. Today I receive a letter of apology that it was a bank error. As a financial instituion how could no one explain this for XXXX months and let the error continue for XXXX months. I had to be the one to force them to admit the shortage that was due to their negligence and incompetence for XXXX months. The error is very upsetting since they took so long to adjust my payment. Now I will have a higher payment that will put undo burden on my monthly budget. In the letter received today they are offering the escrow shortage can be spread over XXXX months. I find the lack of explaintions I was entitled to is unacceptable. 
I wonder home many USBank customers have been impacted and maybe do n't even know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Representatives with U.S. Bank provided incorrect information on four separate occasions in the last ten ( 10 ) days. Billing errors include : ( 1 ) Failure to credit my account properly, ( 2 ) Failure to mail my statement to my current address resulting in no billing statements for three months, ( 3 ) Failure to provide additional information regarding my current balance, and ( 4 ) Failure to validate the debt reflected in the past due balance. I believe a portion of the " disputed amount '' and finance charges are part of my current balance and listed as " past due ''. U.S. Bank failed to correct the statements for the months affected by fraudulent transactions after credits were issued resulting in incorrect amounts due. The law states I do not have to pay the amount in question or any portion of the minimum amount due while the claim is under investigation. I believe U.S. Bank is in violation of my rights by restricting my account after receiving a formal dispute letter advising of my recent identity theft and refusing to send my replacement cards until I brought the alleged past due account current. Please see Attachment I listing detailed back up data for violations indicated above. 
Every time I call I have to repeat my story. I continually get transferred to Collections, Fraud Department and Customer Service and never get any type of resolution on my account. How do we get this resolved before I have to contact a lawyer?

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 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Rose Agency Inc.
State: MT

Complaint narrative:
Ca n't pay this account. Turned into Rose Agency. Phone number disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I immediately submitted a complaint with US Bank about the process and the many times the Loan Modification was changed. 

The Modification was submitted on XX/XX/XXXX. 
The XXXX XXXX was changed and modified on the following dates. 
XX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXFigures changed again after the results that submitted to US Bank Complaints Department -XX/XX/XXXX - {$940.00}. 

I believe it should not have taken this long nor should the modification papers have been changed several times and I have reported this to the VA requesting that they review the Mortgage Modification for accuracy and improper handling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My complaint is with USBank. Apparently, they said that they mailed me a letter in XX/XX/2016 alerting me to an increase in my APR from 15.24 % up to 20.49 %. Supposedly this letter said that I could " opt out '' and close my account if I was not agreeable with this change. I have asked for proof this letter, which I never received. First of all, I never received this letter. Secondly, I would have opted out and closed the account. Thirdly, they have since increased my credit line to {$21000.00}. Please help!!

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 2015-11-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for an XXXX XXXX card through Elan Financial. They had been soliciting me for months, so I decided to apply for the card. I was declined for the card through Elan and was notified when I called that the card was declined due to my prior 2008 bankruptcy. 
The underwriter noticed that the bankruptcy had been so long ago that he concluded that he would resubmit the card for manual underwriting and suggested I call back in 2 days. 
When I phoned back to gain knowledge of the result of the card decision. I was speaking with XXXX at ext XXXX and she shared information and spoke to me in a way I had never been discriminated in before. XXXX instead of just sharing the final decision went on to inform me that the decision was based on the outstanding balances on other cards and primarily my bankruptcy. She went on to share with me that based on her looking at my credit profile it was clear that I was well on my way to my second bankruptcy. This way of approaching customers is not an example of fair lending nor is it appropriate for any company to speak in ways that place judgment or wound there applicants. I clearly felt discriminated against and felt Elan Financial spoke and clearly attacked my character. I have not been able to ignore the clear attack on my character and the discrimination on me as a person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Campus Student Funding, LLC
State: HI

Complaint narrative:
I was affected by the XXXX XXXX XXXX XXXX College closure in XXXX 2015 (? ). I just received notice that my Federal loan has been approved to be discharged, but what about the private loan that they made me get through XXXX XXXX ( which the bills are now coming from University XXXX XXXX XXXX XXXX XXXX for Campus Student Funding? How can I get that loan discharged? Or GREATLY reduced since I am now paying for something I have n't received ... an education ... a college degree.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
Borrower submitted a loss mitigation package and received a notification of a facially complete application as of XX/XX/2016. It has now been over 30 days without further follow-up or a decision from the servicer on the application.

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 2016-05-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Williams, Alexander & Associates, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX. 
Additional Locations Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Williams, Alexander & Associates , Inc. any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Williams , Alexander & Associates, Inc. 
any company associate with this account # XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sokaogon Finance, Inc.
State: NM

Complaint narrative:
The collector has been contacting before XXXX local time and after XXXX local time. I want the company to cease and desist all contact with me other than by US Postal 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 2016-03-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I applied for a card through Desert Schools XXXX. They then transferred me to the third party ( Elan Financial Services ) at this time I kept getting an automated response that my card was to be shipped to me. This would not be a problem however I did not agree to any terms of this card at the time. I do not know what limit I am getting or what the terms are to it. The people at ( Elan Financial Services ) keep telling me I will not know the limit or the terms until I have received my card. This presents a problem because I would not want to open the card if the terms and limit were not acceptable to me prior to getting the card. Now when I get the card my credit will be hit showing that I have opened a card and closed it within days. This is predatory lending so that someone can make a commission by pushing a card without first getting the limit and terms accepted by the the consumer approved. This will adversely affect credit scores and thus access to future 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 non-monetary relief