vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: MI

Complaint narrative:
multiple unauthorized inquiries on report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient sent me an email a few months ago stating that my payments were going to increase. I called them right away and informed them that I could n't afford higher payments. The agent assured me that my payments would remain at {$280.00} for the life of the loan. However, they took out {$370.00} today. I called in and they explained that the arrangement I was in ended in XX/XX/XXXX. I explained that was the reason I called in a few months ago because I knew it was going to end but they assured me that it was suppose to be {$280.00}. I call in and they state that I have to wait until the end of the week and see what they can do for me. This is such an inconvenience and it makes sense why there is a lawsuit against them. The agent stated that I should have received a letter in the mail explaining that my payments would increase, but I never received anything. I am so disgusted with Navient and the kind of service they provide. I have never missed a payment or been late and this is how they treat good customers. Wow!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: U.S. BANCORP
State: AZ

Complaint narrative:
I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.

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: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received as a gift a {$100.00} gift card issued by U.S. Bank National Association ( XXXX ). The card was in the original package. I opened the package and called the XXXX number printed on the card to verify the balance. There was a {$75.00} dollar transaction that was completed before I even opened the package. I immediately called customer service. They asked me to provide a fax number. I do not have one and in the end they asked me to fax copies of the card ( front and back ) and the packaging ( front and back ). I explained to them that I do not have a store purchase receipt for the card since it was given as a gift. I faxed all the information available to XXXX as instructed by the customer service 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 2015-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a deposit of {$1300.00} to my new US Bank account on Thursday morning XXXX/XXXX/2015. The funds were removed from the account that the check was drawn off of on XXXX/XXXX/2015. I wrote XXXX check for {$420.00} and performed XXXX small debit purchases over the weekend with the full awareness that my account had over {$1000.00} in it. Come Monday morning XXXX/XXXX/2015, US Bank had assessed me overdraft charged, returned the check I wrote on Friday AND tells me that I am now {$300.00} in debt to them BUT my account balance is {$1000.00} that they will not acknowledge until XXXX/XXXX/2015. I checked with the CFPB and unless the check was drawn off a foreign bank ( nope, drawn off a California credit union ) or is in excess of {$5000.00}, they can not legally hold those funds for more than 2 business days! I have been down to the branch XXXX this morning. I have shown them PROOF the funds have been withdrawn from the payees account. I have had XXXX long telephone conversations and STILL they will NOT RELEASE MY OWN MONEY THAT THEY HAVE IN THEIR POSSESSION TO ME. Not only that : THEY ARE ASSESSING ME FEES. This is a scam and must be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
e : CFPB Submission # XXXX I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, XXXX XXXX XXXX, who resides XXXX, I have closed all but XXXX of her many credit card accounts following the death of her husband. However, the bank that issues the XXXX credit card ( U.S. Bank ) refuses to close that account ( ending in XXXX ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I have furnished all relevant documents to the bank, at its request, documenting my status as her representative specifically empowered by the PoA to close her financial accounts. I even have provided a medallion-stamped attestation of proof of identity signed by the XXXX XXXX XXXX where I do my personal banking. ( I have sent copies of all correspondence to CFPB at the time they were mailed to the bank. ) Meantime, U.S. Bank has sent her a new credit card on the account ( which I have shredded ), increased the credit limit and is mailing monthly statements which, while showing XXXX balance, spell out the account number in full. As my aunt 's financial representative, I am responsible for paying her very substantial monthly full-residential-care and medical bills, a responsibility I take very seriously. For that reason, I have worked diligently to make sure that all of her credit card accounts are closed and to eliminate risks to her financial solvency. At the same time, I am protective of my own personal identifying information, which I do not share with financial institutions other than my own. Please let me know if you require additional information/documents to proceed with this formal complaint. 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 non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XXXX XXXX XXXX entered into a loan agreement with US BANK for a XXXX XXXX XXXX XXXX. The boat had a manufacture defect in the floor and the company replaced it with a brand new ( XXXX ) boat in XXXX XXXX. The dealer contacted US bank with new XXXX and title. We paid off the boat and sold it to a new owner in XXXX of XXXX. When US bank sent the title it was for the XXXX boat and not the XXXX boat. Spoke with US Bank on XXXX/XXXX/XXXX and XXXX unable to locate any information on XXXX boat. Contacted dealer and was able to get a new XXXX and title for us. On XXXX/XXXX/XXXX received a lean release agreement for the XXXX boat, not the XXXX boat. XXXX XXXX new owner of XXXX boat attempted to registered with North Carolina XXXX. NC XXXX would not allow the new owner to registered the boat because stated that US bank still had a lean on the boat, even though new owner had title of boat. Contacted US bank on XXXX explain above situation. Again was told had no records of a lean for a XXXX boat in our name. Requested some type of documentation that a loan did not exist. Again received a lean release agreement for the XXXX boat. Spoke with US Bank on XXXX, XXXX. XXXX, and XXXX. Having to explain the whole situation every-time. At each occurrence I was promised a supervisor would call me back. I never out of 4 different promises received a call back from a supervisor. I still have not received any documentation that I can provide to the NC XXXX that a lean does not exist on the boat. The new owner is very upset that he can not register and thereby can not use a boat that he has a title to. I need US Bank to provide documentation that they have no records of Lean for a XXXX XXXX boat with that hull ID number. I also do not understand how a company can not follow through on it promises and poor customer 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 2016-04-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Us bank is denying me my welcome bonus offer on a credit card. 
Us bank customer service is horrible they are not giving me information i need about my account and they are not posting my payments to my account, yet they are taking my money. 

I opened a credit card account with usbank back in XXXX. 
After spending a few thousand dollars on the account they shut me down as a credit risk. All I did was utilize my credit line. Nothing changed on me credit report before I applied and after. They just dont want to give me the bonus. 

A separate issue is what happened today. My husband had called in on my account to find out basic information about my account. They gave him a whole run around, and the end result they put a fraud block and no one is able to access the account. I called in and they keep on transferring the call the XXXX, the credit analyst who originally shut down the account and put it in restrain. The XXXX customer service reps ca n't get it straight that I am not calling about the restrained rather this fraud block. 

I am trying to figure out what happened to all the payments on made on the account. I made payments and they seem not be reflecting on the account. I need to know what 's going immediately. It appears the payments I have been making have not been credited to my account and as a result I have made more payments and by now I should have a large credit balance. However there is no one I can speak to. 



Sincerely Yours, XXXX XXXX CC # XXXX Phone number 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 2015-04-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
Credit card company 's sign up page stated : Enjoy all of these benefits for {$50.00} Annual Fee The benefits included a benefit for Bonus Award Nights. When clicking on the link, the only information regarding changes was listed vaguely as : We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 

It does not state anywhere about changing account benefits, nor does it state that the annual fee is for servicing the account, rather I am receiving a set of benefits for paying the Annual fee. They have now removed one of those benefits, and have stated that they will not refund, prorate, etc., the annual fee on the account even while removing benefits. 

They market this credit card and the annual fee, by stating that I am paying an Annual fee for a set of benefits, and then they are removing benefits while not doing anything with the annual fee. 

The consumer is being harmed by companies that advertise a set of benefits for a fee and then remove those benefits while not adjusting the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
In 2014 I started an account with US Bank after being talked into it by a coworker, who said they were great. I started a checking and savings account with no bounce protection because I did n't want to spend money I did n't have in my account. However I was told by their employee about changing my protection to not have fees on the account by the mobile banking app. Just in case I ever was near over drafting, I went ahead and changed the overdraft protection in XX/XX/XXXX thinking I would be better protected but it changed my account type so much I got hit with XXXX {$36.00} charges. When calling customer service I was told I would need to speak to the rep that started my service ( who no longer works there ) and I told them this and they did n't care. I told my same story to a XXXX in management and she said I would have to ask the bank manager for reimbursement and if they had issues with that rep in the past then they would credit. If they did n't though, they would n't credit the fees. I was lied too by a rep and the bank refuses to do anything. I understand corporate policy, but you should take care of your customers too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently refinanced my mortgage with Chase. This took about four months. The process included many egregious mistakes on Chase 's part. I spent over two weeks dealing with a loan processor who could n't understand that she was looking at someone else 's file. They dragged out the process with numerous mistakes and miscommunications. This forced an extension of my rate lock ( which I warned them was going to happen ). Dealing with the underwriting department was a nightmare of incompetence and passive aggression. At the closing they insisted that I pay them {$3500.00} to extend the rate lock after earlier acknowledging that this extension was their fault. In addition, the attorney representing chase - XXXX XXXX - told me over three times that my first payment would be due on XX/XX/XXXX. At the closing this was completely revoked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: UNITED GUARANTY CORPORATION
State: PA

Complaint narrative:
Defaulted on my loans from the original company. They told that all my defaulted loans were taken on by one collector. Then year later tried telling my had another loan I still owed on, and they never gave an answer Original loan company lied about how many of myany I had stop paying because do n't know what I really owe. So as far as I 'm concerned I 'm not paying anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
on or about XX/XX/XXXX XX/XX/2015 we apply for a fnb credit card with this bank and after put my my credit score was XXXX over the average. which is excellent credit. and was the denial. so we apply for there business credit for the business that we owe with good credit. we was denial again. so we file a company with the consumer financial on or about XX/XX/2015. in the bank response they never addressee the issue .denial base on excessive credit report inquire. in there reponse they said no social security number and that statement is untrue. she said with this small business product requires a personal guarantee we was never offered the guarantee and that was unfair. we would sign a personal guarantee, if it was offered to us. but it was not. we are still denial your approve of the product base on the fact excessive inquire which is not a base. we as a XXXX XXXX and a XXXX owen with excellent credit. never late no miss payment always pay on time .I believe it was unfair to denial the business card for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello I contacted USBank and gave them the info that you have provided on my XXXX record. They could not find the account information. Please help Sincerely, 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 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX, 2016 US Bank XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir, You are threatening me with being blacklisted with XXXX. This will prevent me from obtaining a bank account with 80 % to 90 % of the banks in the United States for 7 years which will be further victimization of me by US Bank. I will be XXXX XXXX XXXX before I can obtain a bank account. You do this to me for circumstances beyond my control! 

US Bank told me online that {$5000.00} was available so I withdrew it. I had no prior knowledge that the check was no good. This looks like entrapment. Bait and switch! 

I have talked to the Fraud XXXX at XXXX and the XXXX XXXX XXXX at XXXX and they will not listen to a thing I have to say. They just emphasize and re-emphasize the fact that my account is closed and " It will not be reopened ''! " This decision is final and I will cut you off if you keep talking ''! 

The bank has no sympathy, empathy, compassion, or mercy in this case. It is the XXXX XXXX " Guilty until proven innocent ''. Only there is no innocent in this case only guilt! Fraud means intent to deceive using false pretenses. Well show me my false pretenses please? Fraud is a felony depending on the amount of the funds involved I do believe. It is my understanding that intent has to be proven. Where is the intent in this case? Why is the bank so abruptly cold, hard, harsh, and draconian? It is as if I was trying to rob the bank by design. Is this how you treat all of your customers when activities beyond their control take place? I am being treated like a criminal through no fault of my own. Now my VA pension deposits will not be in my hands until the end of XXXX, if not later, because you have frozen my account and I can not have access to these funds which are Federal Property until they are in my hands. Granted you will take out sufficient funds to pay the overdraft this is a given. Why am I being criminalized by the bank for the actions of another? I am a poor XXXX XXXX XXXX with a leg missing and living on a fixed income. This action on the part of the bank is shocking to say the least. The US Bank is telling me I have no recourse. Perhaps I should post this on XXXX and call the local TV stations? I was victimized by the depositor and now I am further victimized by the bank. I did not sign up for this treatment. I have acted in good faith ; the depositor did not, for an unknown reason. Now the US Bank is acting in bad faith!

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