vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received a Letter from OPORTUN ( XXXX XXXX ), PRE-QUALIFIED LETTER, WITH RESERVATION NO. INFORMED ME I QUALIFY FOR A STARTING {$1600.00} LOAN! HOWEVER, WHEN I WENT TO THE COMPANY FOR A LOAN, THE TOLD ME THE LETTER WAS JUST FOR ADVERIZEMENT PURPOSE AND THAT I WOULD NEED TO ANSWER QUESTONS TO PRE-QUALIFY, ONCE YOU PRE-QUALIFY ON SITE, THEN YOU HAVE TO APPLY FOR A LOAN! THERE LETTER SENT IS MIS-GIVING AND MIS-LEADING! THEY TOLD ME I WAS APPROVED AND THAT I WOULD GET A CALL AND I WOULD PICK UP THE FUNDS! HOWEVER, WHEN THEY CALLED, THEY ASKED FOR A CO-SIGNER! WISH I REFUSED! THESE ARE JUST TRICKS TO GET YOU INTO THEIR AGENCY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
In the course of our mortgage loan being purchased by XXXX XXXX XXXX from XXXX XXXX XXXX it was discovered that an additional amount of $ XXXX had not been forwarded or exchanged between the XXXX companies. The end result of their oversight somehow fell to the borrowers. We the borrowers filed a motion with the court to get the matter rectified, with the court ruling in our favor. The court ruled as we had stated that the $ XXXX owing was not as the result of the borrower failing to pay our monthly mortgage amount, but that the $ XXXX owed was to be ratified between the XXXX parties eliminating the borrowers culpability in the matter. Rushmore Loan Management Services purchased the loan and is keeping with the same practice as XXXX and has failed to honor the court 's ruling as well. To date the court 's ruling has been ignored by all parties. With the increase of the $ XXXX added to our monthly payment and the mortgage ballooning to 9 % we were forced to file chapter XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc.
State: PA

Complaint narrative:
They said I lied on a job application saying no to being a XXXX and I got denied work. I did get charges but I have not pled guilty to them and I am not a XXXX yet. My attorney has already got all charges dropped but XXXX and I 'm still going through the process of getting the last XXXX dropped. The hireright company that claims that I am a XXXX also sent documents that there was no court sentence. If I was XXXX there would have already been a court sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore loan management services has been sending letters saying we are in default of our mortgage. The most recent letter is dated XX/XX/2015 and states that we are in default as of XX/XX/2015. Obviously, this makes no sense. Additionally, according to bank records the mortgage payments sent to Rushmore have been cleared every month since we've had this mortgage. This letter dated XX/XX/2015 is the XXXX letter we've received. After the XXXX letter I called the company & they said they would take care of it. Today I was told that they couldn't talk to me because I'm not my husband! I am concerned that this will affect our credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running

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 2016-06-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have held a credit card with US Bank since approximately 2004. When I opened the account, it was a XXXX XXXX rewards card. When XXXX XXXX became XXXX XXXX, my card became a " XXXX '' card. This card has an annual fee of {$45.00}. I want to convert the card into some US Bank card that does not have an annual fee. US Bank phone customer first told me I would have to go into a branch- the closest is 1.5 hours from where I live. I called the branch, they looked into it and told me there is no way to convert this card to something without an annual fee. I have to either pay the fee every year for benefits that I do n't use- or close the account. I do not want to close the account because it having been open and in good standing for 12 years reflects well on my credit history. I feel like my credit score being held hostage by US Bank, either pay or suffer! I have assured them that if I close the account, I will not be opening a new XXXX with their bank, but would like to work together to remain their customer. Their only answer is that I can spend at least $ XXXX to earn enough rewards to redeem them for the annual fee, but this is also them forcing me to adhere to their terms. All I want is a US Bank credit card on the same line of credit with no annual fee.

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 2016-12-02 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:
My US Bank Small Business account was charged overdraft fees for XXXX transactions for which funds were available at the time which the transactions were preauthorized.

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 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
A debt I paid the people are tying to collect they refuse to stop calling me at home and at work and they are going to sue me. I told them to please stop calling me that I ma not paying them and I dispute the debt and XXXX ( collection person ) said we will do whatever means necessary and until we sue you we will not stop. This is their number they called from ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Solutions Collection Agency, LLC
State: FL

Complaint narrative:
The doctor 's bill was {$460.00} and the debt collection agency is trying to collect {$590.00} because they state that the bill is 120 days late and that adds a XXXX percent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I am a credit card customer of Elan Financial. I requested an online increase to my credit limit and the online process did not at any point provide a disclosure that a credit inquiry would be pulled. Had a disclosure asking for my authorization been provided, i would not have consented to a credit inquiry. I called customer service to dispute the inquiry as the proper disclosures were not provided, a customer service representative and his supervisor eventually realized that I was correct and at no point in the process had a disclosure been provided as it they admit it should have been. The representative and his supervisor advised me to write a letter to dispute the inquiry and include the information that we had talked about and the inquiry would be removed from my credit report. I sent the letter as advised and included all pertinent information, including the fact that the disclosure authorizing a credit inquiry were not provided and that the representative and supervisor had verified this. Over a month later I received a reply that they had investigated the situation and would not remove the inquiry because " the promotion offer only included credit limit increase request of {$4500.00} or less ''. I had not received a promotional offer and no where in my letter had i referenced a promotional offer, XXXX had completely ignored the fact that a credit inquiry was never disclosed and I never approved of an inquiry. I called customer service again to escalate the matter and spoke with a supervisor regarding the letter. The supervisor was not helpful at all and would not listen to any of my concerns regarding the lack of disclosures provided by the company. The supervisor repeatedly said that he could not do anything else and that XXXX is required by law to provide a disclosure if a credit inquiry were to be performed and he did not care at all that I repeatedly told him that a disclosure was not provided. The supervisor was rude and showed a total lack of care of the subject. According to the supervisor, XXXX was required by law to disclosure if a credit inquiry were to occur and he should have been more concerned with the fact that the company is not following what they admit to be the law. I received a call from a manager in customer service the next day and she continued to say that XXXX is required to provide the disclosure during the increase process and that it is provided on the website. When I asked her to tell me where on the website the disclosure is she was unable to provide that information. I told her that was not an acceptable solution and she said she would have to get back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
This is in regard to a HELOC that should have been closed at closing of selling home. US Bank is charging me {$75.00} a year for an equity line of credit attached to a home I no longer own. I requested during closing of house and was told that it would automatically be closed since I do not own the own. I then took a statement of {$75.00} to XXXX XXXX XXXX, XXXX, US Bank and asked them to close the account. They said sure not a problem. 3 years later, I am trying to buy a new home and this is still showing on my credit and I now owe {$220.00}. I 've talked to the mortgage loan department and they say I owe, however I do not have access to this line of credit. I 've talked to the USBank XXXX branch again and they keep putting me off and that I will need to pay the {$220.00} in order to close the account. XXXX at XXXX branch acknowledges that I do not have access to this line of credit since I do not own the home. My complaint is to somehow help me get US Bank to close this line of credit attached to a home I do not own. USBank insist that I pay the fee of $ XXXX year even though I do not own the home of XXXX XXXX XXXX XXXX, XXXX, that the equity line of credit is attached. 
Thank you for your assistance in getting this matter resolved. 
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 2015-06-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.

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 2016-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank has disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many millions of mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I sent a letter to US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX by way of USPS XXXX XXXX XXXX XXXX XXXX, which was delivered XXXX XXXX, 2015 and XXXX for by G XXXX. The letter asked for confirmation of the public statements made by the Corporate Trustee, in particular, pertaining to their authority ( lack thereof ) in the foreclosure process. I did not receive a response.

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