vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2016-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I purchased from a merchant online. The transaction went through XXXX, was entirely in XXXX $ and was charged in dollars to my credit card by XXXX. The credit card company charged me a foreign transaction fee because the merchant was XXXX XXXX based. There was no way for me to know - or warning - that this was liable to a foreign transaction fee. Using the merchants XXXX site, paying in dollars, and through my XXXX XXXX account makes this deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
WelI have been trying to get a mortgage loan modification since XXXX of XX/XX/2013 on my XXXX mortgage, from the same lender and I have not gotten anywhere with this lender I keep sending in information every XXXX days because they tell me to fill out a application every XXXX days.It has been absolutely mind boggling why they keep stalling me for this long, I know they receive money for each time I fill out this application for modification loan. XXXX dollars I keep talking to different people every time I call, I have requested for a manager or supervisor to contact me that never happened, I 've ask for a new representative XXXX different times now and they all react the same way do n't communicate you have to continually call them my account has gotten to about XXXX dollars behind now. I was told to file a complaint against this company for all the stress that they are taking me through concerning this loan my wife is not making the money we used to make an so we ca n't pay the amount that they are asking us to pay and so we had a modification for our XXXX loan through usbank, and now it seems as though they wish not or want to string this XXXX modification out for as long as they can and its just not right I have filed a complaint with usbank escalation dept. and I was sent a letter from usbank and was told that if I filled out another application that they would escalate the process that was XXXX again XXXX months ago I have not heard anything at all I have had it with usbank!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Schreiber Law LLC
State: CT

Complaint narrative:
XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a student loan for my daughter since XX/XX/XXXX and initially it was serviced by XXXX XXXX and then later transferred over to Navient. The loan had an original interest rate of XXXX % and when i consolidated the XXXX loans the rate was reduced to XXXX % while my payment amount of {$380.00} did not change. Recently I questioned Navient representative regarding the loan payoff and was told that my loan loan will be paid off much earlier than the original payoff year of XX/XX/XXXX. When I checked on line the payoff year was still XX/XX/XXXX. I questioned this and delayed my payment due last month by about XXXX days. With this delay in payment Navient increased the interest rate up to XXXX %. When I questioned this was told that I did live up to my commitment and as such the interest rate has been increased to XXXX %. Navient still continues to dodge the question of payoff year and how the loan is amortized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Approximately a half hour ago I visited a US Bank ATM/branch inside a XXXX grocery store. I left my debit card in the ATM slot too long and it ate my card. I immediately looked went to the teller who advised me to get my ID out. He retrieved the card, noticed I am not a US Bank customer, and advised that " by law '' they could not give me my card unless I am a customer. 

XXXX XXXX the branch assistant manager ( XXXXXXXXXXXX ) advised that this us because they do not know why it ate the card ( he was looking right at it ). He said it could be fraud or anything and even though Inhave an ID he wouldnt know the reason. I asked if he would know the reason if I were a US Bank customer. He said he would. Which also does not make sense to me. 

XXXX advised that he can assure they would destroy my card for me. 

Branch XXXX XXXX Assistant Branch ManagerWhy can he stand there and keep what is mine when literally a minute prior the ATM took my card and I have a drivers license? Why can he return the card if I were a USBank customer but not otherwise? What " law '' states that he can not return my card to me because he does not know why the ATM ate it, though apparently the " law '' allows him to if I were their customer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
FRUSTRATION SETTING IN! 
Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. 
I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. 
Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. 
Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2016 I applied for a HAMP loan modification from U.S. Bank. My husband 's untimely death due to XXXX forced me to request a loan modification. I provided all the paperwork required by the bank as well as additional documents requested after my weekly follow up calls. In some instances I sent documents 2 and 3 times. I was recently informed that my request was denied due to lack of documentation. This is completely frustrating as I provided all that was requested and then some. Plus on several occasions I was told that nothing was required. So to be told I did n't provide enough documentation is ridiculous. It is my firm belief that my application was rejected without cause.

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 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
OUR U.S.BANK ACCOUNT ; ON XX/XX/2016 CUSTOMER DEPOSIT CASHIER CHECK FROM THE XXXX AT XXXX IN XXXX, AZ. IN THE AMOUNT OF : {$81000.00} TO OUR ACCOUNT. AND ON XX/XX/2016 WE WROTE XXXX CHECKS SEPERATELY WITH DIFFERENT AMOUNT : CHECK # XXXX AMOUNT {$16.00}, XXXX. AND CHECK # XXXX AMOUNT {$23000.00} THESE CHECKS WERE RETURNED FOR INSUFFIECENT FUNDS. AFTER 10 DAYS DEPOSIT OF OUR CASHIER CHECK AS I MENTION ABOVE. IT DEEMED ESPECIALLY EGREGIOUS. HOW U.S.BANK PLAYING A ROLE IN COLLECTIVE LATE CHARGES FEE UNNECESSARILY TO GOUGE US FINANCIALLY. IT IS A CONSUMER FINANCIAL FRAUDS PERHAPS. IT ADDS UP TO {$72.00} DOLLARD FOR XXXX RETURNED ITEMS. RIDICULOUS AND DESPICABLE GAME IN COLLECTING {$36.00} DOLLARS FOR EACH CHECK AFTER 10 DAYS DEPOSIT. I WONDER HOW LONG A CASHIER CHECK WILL TAKES TO CLEAR JUST FROM XXXX IN XXXX ARIZONA. TO A U.S.BANK RIGHT NEXT DOOR IN XXXX, ARIZONA. SEEMS RIDICULOUS FOR SUCH TRANSACTION TO COLLECT OVERDRAFT FROM RETURNED AFTER 10 DAYS DEPOSIT. I AM ASKING FOR HELP IN THIS FINANCIAL MATTER TO BE SCRUTINIZE FOR CONSUMER FRAUD, OTHERWISE. ACCOUNT # ENDING XXXX. THANK YOU. SINCERELY : XXXX & 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 monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED GUARANTY CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I obtained a mortgage insurance policy from United Guaranty Residential Insurance Company as a stipulation for a mortgage loan. A default of the mortgage required United Guaranty to pay the balance of the loan to XXXX XXXX after the foreclosure sale. Since that time, United Guaranty has made several ( 6 ) attempts to obtain reimbursement via civil actions ( Case No. XXXX ) to no avail. Once again United Guaranty has filed to obtain reimbursement in hopes that at some point they will receive a positive judgement. The fact United Guaranty received payments as a insurance company, but now seeks to be reimbursed leaves me uneasy and cause me to question the necessity of obtaining insurance. Though the courts to date has found United Guaranty claims to be baseless, it has been aggravating to have to take time away from my work to defend myself against an entity I paid to supposedly protect me from civil action. It is also to be noted that the claim was less then the amount which I was insured for. The insurance company is attempting to act as the subrogate of XXXX XXXX, who has taken no actions for or against United Guaranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.

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 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is my XXXX complaint against US Bank. Every time I do, they send a letter stating I am not authorized, yet every time I call in, they acknowledge that my auth is in. This time I am attaching my conversation log notes so you can see that I spoke to them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today. Today was the worst, XXXX said that the negotiator had been leaving me messages. I told her I had received no calls or messages. When I attempted to see what number they were calling, she refused to help me and hung up. I am TIRED of their rudeness. I left yet another message for XXXX the negotiator, I have NEVER received a return call from him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
MyMy US BANK account definitely had some strange activity to the tune if like I 've XXXX . Some activity occurred with a card I personally never activated.I sometimes take my mail and throw it in my side door pocket to read for later on ( a habit I will now stop ). My phone went missing around XXXX XXXX. All my passwords/ usrnms were kept in the phone. In all On bad terms with an ex bcuz I filed a restraining order and naturally not all his friends were happy with me and Im wondering if one of them may have had it in for me. So there are several possibility. It took like a week for.the paperwork to file the fraud case to get to me.and there 's a hold on the account. As a result the bank took my SSI a d applied it to the negative balance and withheld all access to it. Im driving without insurance, all my bills and rent are late and I have a car title loan which is now 5 days late. This is like a secondary victimization. Im constantly being told the acct is set to close and only my home branch can lift the hold. Yesterday that proved to be untrue.

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: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX, a US Bank representative contacted me about my XXXX XXXX card with them and offered me a XXXX plus card. He stated they had a balance transfer option with 0 % APR that would save me a lot of money by transferring my Plus balance to. I informed him at that time, I was looking for a vehicle and did n't want a hard inquiry on my credit, so I would apply online after my search as I had a lot of home improvement projects coming up I 'd like to put on credit. In XXXX, I went ahead and applied for the Flex Plus and was instantly approved, I went through the motions of a balance transfer and my Cash Plus was not available as an option. SO I called and spoke with XXXX at their XXXX number and she told me I could get around the issue by going to my online account, selecting my card, entering the promo code XXXX and entering MYSELF as a payee. She said then funds would be sent to my checking account, at which time I could use them to pay off my current XXXX XXXX card and essentially get the balance transfer done that way. I thanked her, and when I went online to do it, I entered the info as she directed. I then received a notice in the mail that it was denied because I was an invalid payee. I called back and was informed they would not honor the balance transfer that I was promised, so I requested due to false and misleading information provided to induce me to apply and result in a hard inquiry on my credit, they close the account, and remove the inquiry. I was told a manager would call me back. No one called back after 3 days, I called in and was left on hold for more than 25 minutes. I called again and I was informed that the managers would call back. I explained i t had been nearly a week and no one was responding, she said it could take 3-5 business days. That time had passed. It has now been nearly 3 weeks and US bank refuses to respond to their deceptive practices that resulted in a XXXX point drop in my credit score which was XXXX at the time of my application and dropped to XXXX when I was approved. Had I known they would not honor the PROMISED balance transfer of my {$2000.00} balance on my Plus card, I never would have applied as my current plus card has a XXXX limit. My ONLY motivation for applying was the misleading and false solicitation by US bank promising me a balance transfer of 0 % APR on transfers and purchases for the first 12 months. I would like US bank to honor their original DOCUMENTED promise of a balance transfer, or, in the alternative, refund interest from last month on my current card and apply an interest freeze for 11 months to honor their original offer and promise of this promotional rate. US bank has violated the CARD Act and I am harmed by their intentional misrepresentations and refusal to mitigate or even respond to my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief