vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
Mortgage XXXX Company XXXX Residential Credit Solutions or RCS XXXX was moving forward with foreclosure process although we were still in the modification process. In fact, I notified this company in writing that I had started working with Keep Your Home California but received the Notice of Sale a week later. Also, many items of correspondence from this servicer were time sensitive but dated in such a manner to make them delinquent before received via mail ( thereby preventing timely completion at the outset ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My Father had just recently passed away on XXXX XXXX, 2016. I contacted the credit card company on XXXX XXXX. My father 's balance owed was only around {$11.00} and i wanted to pay off the balance immediately, close the account so no further transaction could take place. His balance was due on XXXX XXXX. I was told i could not pay off the balance and had to send a letter with his account info so they could verify his passing. I did the next day. I recieved a letter aobut a week later dated XXXX XXXX requesting more information, i called them on XXXX XXXX, they tell me no further information is required. I asked again about paying off the balance, again they said they could not do it over the phone. they said to send in the payment, i asked to verify balance owed, they told they could n't tell me and to send in whatever was shown on the last statement. Last night i went online to my fathers account to confirm what the balance was and to get an address as to where to send it in. The account was still active, no closure, and now is showing late fees and interest charges more than what the orginal balance was owed? Again i contacted them today on XXXX XXXX, now they say want a death certificate. Every time i call i get a different questions and answers. I just want to close this issue, i have no idea what balance i am responsible for? If i pay off the initial balance will they continue to add interest charges and late fees on the interest charges and late fees. This seems deliberate action to do so. All the other credit card companies i contacted closed the account on my first call and allowed me to pay off the balance owed. Deaths are of public record and easily verified for any credit agency. I feel that i am being just strung along to be milked for fees and interest charges. They told me it could take up to three months to close the account.

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 2016-03-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the XXXX was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 full statement cycle of interest regardless of the amount paid during that cycle. They did take care of my account but, I do n't want them to get away with this with other customers that are not in the financial world and therefore do n't have full understanding of the payment allocation laws put into place with the CARD Act.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My checking account was overdrawn by about XXXX because paypal authorized some payments that they should n't have unless they did it rom their own bank. I contested the charges with the bank and they removed it then they closed my account with a balance of XXXX in fees for this XXXX contested charge.

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 2017-01-30 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a gift card ( {$100.00} value ) as a gift in original package. On XX/XX/XXXX I opened the package and went shopping at a local grocery store. The card only showed of balance of {$12.00}. I verified the transaction history and it showed a transaction of {$84.00} on XX/XX/XXXX ( before even opening the card package ). Called customer service at the number indicated on the card. They wanted my fax number. I explained that I do not have a fax. They asked me to fax copies of the card and the package, which I did on XX/XX/XXXX. I expect a reimbursement on the {$84.00} transaction I did not authorized.

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 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for USBANK checking account along with visa signature card since they were offering {$150.00} bonus. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. After writing to XXXX/CFPB USBANK agreed to fix the credit card promotion. But I still do n't see {$100.00} credit. But I was denied checking account promotion. I was told that I have n't opened the correct checking account. 

I called USBANK online customer care right after I opened the account and asked them if account is opened correctly. I was told as long as I entered the promo code correctly I am eligible to receive the Bank promotion. It has been more than 3 months and no {$150.00} promotion was applied to my acct. When I called USBANK customer care on the phone they asked me to call the branch in XXXX. It seems they do n't know what they are doing. I called bank last week and they told me checking account was not open properly to receive the bonus after investigating this issue for few days. US Bank online customer care did n't do due diligence when I called customer support right after opening the checking account and followed all the instructions to receive the bonus including direct deposit.

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 2017-03-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX. I recently obtained a program for my phone which makes it possible for me to see my XXXX bank statements. When I checked them I saw that my balance was lower than it should have been and I went to XXXX XXXX to ask them to investigate. I found out that Experian has been deducting fees from my account since XXXX 2011 every month, but I never signed up for any service with Experian. The bank found the charges were unauthorized and refunded three months of the charges, but said they could not go back further. I contacted Experian and they claim that I signed up for a free trial and never cancelled, but I never signed up for any trial. They are refusing to refund me the charges. I did not discover the fraud earlier because I was unable to review my bank statements because I am XXXX. Since I did not receive any statements or services from Experian, I had no idea someone opened an account in my name.

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 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was a victim of fraudulent activity on the account. An investigation was started and concluded it was fraudulent activity. ( See enclosed documentation. ) Now all XXXX reporting agencies have a negative item from Elan Financial Services ( XXXX XXXX XXXX XXXX, PA XXXX ) stating I was 30 days past due in XXXX 2015. As you can see on the documentation, the investigation was concluded in XXXX. I have spent over two hours on hold and have spoken with XXXX people trying to rectify this situation, but to no avail. 
I also contacted the XXXX reporting agencies regarding this and Elan informed them that the 30 day late judgment is accurate. How could that be correct when I was found to be a victim of fraud?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unable to file an appeal.

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 2016-02-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to XXXX, XXXX and XXXX XXXX disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was {$4000.00} however FNBO at sometime lowered it to {$1000.00} causing an effect that displays more negative information with this account being severely over the limit ( account balance around {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have XXXX XXXX coverage on my credit card account ending in XXXX. I tried to process a claim on XXXX. I was told by XXXX XXXX that my coverage was cancelled on XXXX. I received no notice of this. I was topld by XXXX XXXX to contact the card issuer, which I did. The card issuer told they had no information about this and to call XXXX XXXX. I call XXXX XXXX back and they tell me they have no information about this and to call the card issuer. Which i did again. The card issuer told me again that they have no information about this and to call XXXX XXXX. I call XXXX back again today, and they tell me the have no information about this..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Twice in XXXX 2016 I was charged a {$20.00} " cash equivalent fee '' and {$2.00} minimum interest charge ( with interest ongoing ). These are associated with XXXX routine transactions which are not in dispute. Elan Financial Services told me : " Your transactions to XXXX XXXX XXXX XXXX XXXX XXXX for {$25.00} and for {$17.00} were processed as cash equivalent advances. Cash equivalent transactions are assessed a fee of {$20.00}, or 4.00 % of the advance amount, with no maximum, whichever is greater. Cash equivalent advances include wire transfers, travelers checks, money orders, foreign cash transactions, casino gaming transactions, betting transactions, and lottery tickets. '' However the transactions were not for any of those cash equivalent advances : they were for routine fee for service shipping services. I have requested those charges be corrected. Elan has refused.

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