vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
My hardship begin In XXXX, when I lost my job after 20 years at XXXX XXXX XXXX. My wife was also recovering from XXXX so she was not able to work. By losing my job with XXXX XXXX XXXX I lost my health insurance and all the medical bills were paid out of pocket while my wife was ill. 
I started a new job at The XXXX, on XXXX XXXX, 2015. I had to take a huge pay cut. At the XXXX, I had no health insurance and with the pay decrease and added expenses we were unable to pay all of our bills. This caused us to get behind on our mortgage payments. 
I was advised by US Bank to apply for a assistance and our loan has been in review for over a year now and they still denied any assistance to get our mortgage current. See the denial letter attached. The denial states they can not give me any assistance because of indemnification clause. As of today I still see no indemnification provision. I contacted US Banks and requested them to identify the document which indicates that the loan prohibit loan modifications.. I need to see if there is a conflict between the guidelines and HAMP. If there is then HAMP guidelines require servicers to make reasonable efforts to the investor restriction, which is XXXX XXXX. I also sent a complaint to XXXX XXXX and they will call me back as to why I ca n't get assistance to keep my home. 
US Bank subject borrowers to " Kafkaesque delays and obstructions for loan modification. They have a pattern when I send in applications and documents I have to send the same documents over and over again. I am in a bad place right now with my mortgage because they will not give me any assistance with my mortgage nor will they accept any payments. Therefore, with every application denied my delinquent payments increase to the point where I ca n't pay it. I am just not understanding why US Bank is doing this but I do know I will fight to keep my home and will do and have done everything I could do to keep my home. I have some equity in my home and I have enough income to keep my home. I have every intention to keep my home. 
Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about XXXX worth of painting expenses ), and the remainder which is to reimburse myself for repairs that I have already paid for. The amount of money that should involve my mortgage company is under the amount that should even involve the loss draft department. This process is beyond obstructive and beyond the scope that they should have authority over. I am in need of repaying myself for repairs I paid for out of pocket and I have lawyers and professionals the need to be paid. If this check was portioned differently from the beginning I would have been able to have the check endorsed at my local bank branch. I 'm at a loss and I 'm concerned that I will not be able to have my money released from my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have more than XXXX checking account at US Bank. XXXX account ( call it A ) was opened originally to exclusively receive social security payments for a minor child, but those payments had ended. To pay bills I use my personal checking account ( call it B ), for which I was running low on pre-printed checks. But I had a full box of checks pre-printed for A. XXXX took XXXX checks that were pre-printed with the account number for A, crossed out the account number, initialed the deletion, and wrote in the account number for B. XXXX used these checks to pay XXXX utility bills. The bank, however, treated the checks as being drawn on A and charged me fees for " insufficient funds, '' since there were only a few dollars left in the account. I want to contest the bank 's authority to interpret the checks in contradiction to their clearly expressed intent. I will probably be charged " returned check '' fees by the utility companies as well, causing me to be out-of pocket about {$100.00}.

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 2016-10-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I have been for long, a customer of US Bank with all kinds of accounts with them, like Home Loan, Credit Card, Checking, Saving Accounts. I am a very good borrower, my credit score is a testimony to the same, stands XXXX Bank has recently charged me a membership fee in XXXX 2016 that was due XXXX XXXX, 2016. No note with regards to the fee or the due date or past due status, was sent to me or my address. But they promptly reported it to the credit bureaus and it dinged my excellent credit score XXXX very badly and left me in despair. There was no intimation with regards to the same, to my home address or even a courtesy call. I have requested for canceling the paperless statements in the past and it never got reflected in my accounts. I will therefore request US Bank to remove any reports to the credit bureaus, of delinquency on my credit card account and help its loyal customers build their credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
The company notified my job and brother and I do n't know how they got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

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 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
us bank is saying I started a bill pay against my will which I did not submit to be paid XXXX/XXXX/2015 to collect fees so on the XXXX/XXXX/2015 XXXX did reverse the fees an show me how to delete the information so it did not happen again so on XX/XX/XXXX the fees were put on my account again XXXX per item total XXXX so XXXX claim the fees would be refunded back to my account by XXXX so she walk me through my account to stop the pop up from appearing on my screen say the pop up is put there to be annoy me an cause it kept asking me to finish the bill pay so I did not now later so XXXX walk me through internet option to delete the pop up from appearing an the fee will be refunded back to my account by XXXX so XXXX I call back an the fee of XXXX is still on my account I talk to XXXX he inform me that he was refunding me the fees in a half an hour an I can check back about XXXX to see the fees had been refunded to my account so I call about XXXX I talk to XXXX who set me to talk to a lady name XXXX who then stated she was not refunding me any fees an gave a address to file a complaint us bank 24 hour banking management XXXX XXXX XXXX XXXX mn XXXX at first the bank is claiming the checks were mailed on XXXX I said can I have a copy of the receipt paying for postage they told me no so I talk to XXXX an XXXX said the check was sent out on XX/XX/XXXX so that is when he refunded the fees first fees back on XX/XX/XXXX an show me how to delete the information so it did not happen again but the bank is charging me again on XX/XX/XXXX to put the fees back on my account and refusing to honor because I did not submit the information to complete the bill pay the bank is doing this on there own to collect fees from me it is the bank who is doing tying to say I did bill pay when I did not plus the operator on XX/XX/XXXX is the one who told me to put in the memo to electronic debit from my account but I never submitted to be paid so not the bank is trying to say I did submit when i did n't an the bank would send popup for me to finish an I put not now later so I never submitted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank claimed that I authorized charges based on XXXX facts that were presented to me 1. ) That the signatures on sales receipts matched my signatures 2. ) That the voice on 11 calls on this account were identical I provided proof, in the form of a certified forensic investigator, that there were no similarities and US Bank wrote in their response : " Please be advised that we are unable to provide you with copies of recorded calls that you have requested. ''

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 2015-12-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Campus Student Funding, LLC
State: MO

Complaint narrative:
In XXXX I took out a student loan through my school, XXXX, a XXXX school. The loan was held by, XXXX XXXX XXXX, XXXX XXXX XXXX, my loan was bought out by, Campus Student Funding , LLC , and managed by XXXX . When this switch occurred it dropped my credit score by XXXX points. XXXX XXXX, I paid this loan in full, only to find that Campus Student Funding , LLC and/or XXXX never registered this loan to reflect on my credit score. I have contacted XXXX XXXX and XXXX in attempts to reach Campus Student Funding and XXXX XXXX, the company they are associated with, to no avail. They have damaged my score and in not registering my loan they have deprived me of a chance to improve and further build my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
Since I refinanced my mortgage to US Bank I have been notified of past due money over and over. They claim to send me increases and monthly notices but I never get them. They tell me to check my online account but it has not let me login to the account for and they do n't address this needs fixed. Now they are claiming I owe over {$600.00} in payments because of an increase that I was not notified about. I 've written them and called them and they just keep going on. Now they have put this on my credit report and ignore my letters. Reviews on XXXX and Consumer affairs website says that XXXX other mortgage holders have had the same thing done to them. Claimed notices of increases not received so the first thing you know is your in default and have to pay or else. I have not received the notices, I have not received the monthly statements, I have not received the required by law and ask for help. I asked them to send notices certified ( as I send all my letters to them ) but they do not respond. It 's time for the US Government to step in, investigate the claims of hundreds of people that have the same issue with US Bank Mortgage handling and stop the false claims, fraud and abuse.

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 2016-02-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
A credit card was issued to me by First Bankcard for XXXX an online retail chain. Just three days after receiving the card, it was closed by First Bankcard. The card was never allowed charges because the company called me and said it needed to check for fraud and go into my local bank and show all my ID 's documents. A red flag came up because that was not the agreement of the card being issued in the first place. The cards were cut up and returned to the company, but they have charged {$1400.00} to me and refuse to take the charges off, keep putting late fees on the account, and charging interest to unauthorized/undocumented charges, in my name ; despite my writing the president, XXXX XXXX XXXX, and all the Bank Directors/CEO 's about this problem. I am XXXX years old and I can not bear the pressure this company is putting me through. They never let me charge XXXX item, nor have they paid for one item on this fraudulent account, they opened and closed in three days. Please help me and others like me who has been betrayed by First Bankcard of XXXX, NE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have just completed a lease on a XXXX Chevy Volt, for which I paid XXXX per month and had also purchased the Excess Wear and Tear Insurance. I had also extended the lease for a few months. US Bank is the holder of the lease. On XXXX XXXX, XXXX, I returned the car to XXXX XXXX. On XXXX XXXX, US Bank took the monthly payment on the car. When I called, a representative said that the money would be returned within two weeks by check. This never happened. Instead on XXXX XXXX, I received a bill for termination fee ( XXXX ) and excess wear and tear ( XXXX ) and sales taxes ( XXXX ), totalling XXXX, with the statement that the car was returned on XXXX XXXX. I called and said that I had 'ding ' insurance and that the car was returned earlier. This representative said that the monthly amount would be deducted in a new bill, but that the XXXX was for tires, which are not covered. Besides being very upset at a bill of XXXX for tires, I asked to see the damage report. The representative had just lied, presumably to get me to pay a unnecessary bill. A new bill arrived for XXXX ( XXXX - XXXX ). After the report arrived, I called again, and the next representative said that indeed the XXXX would be deducted, but not the tax amount and that a corrected bill would be for XXXX. Instead, a new bill arrived identical with the second bill. I would like to see a correct bill. Furthermore, as a result of the mendacity of representatives of US Bank, I hardly believe their representatives, when they say I should pay a sales tax on repairs provided by an insurance, especially as I have no idea who does the repairs or where. It seems that their phone representatives just try, honestly or not, to get people to pay any amount they can pull out of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank hired an attorney to submitted false information to the courts system. The attorney, XXXX, was NOT hired by the Department of Veteran Affairs ( VA ). US Bank was aware that XXXX misrepresented this material fact to the courts. When in fact, the VA was in possession of the home since XX/XX/XXXX. The home was voluntarily submitted to the VA in XX/XX/XXXX. In XX/XX/XXXX, the VA authorized a deed-in-lieu and was officially owned by the VA since XX/XX/XXXX. Therefore, the writ of possession should have gone to the VA and not me. To make matters worse XXXX misrepresented himself as an agent of the VA. Please see the attached documents. US Bank and XXXX intentionally submitted false information to the courts. The writ of possession should have been served on the VA and not 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 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
i got a call from a number with a partial voice mail i didnt know who it was so i left a voicemail to contacted back and when they called back a couple days later they said they were lincoln XXXX to collect a 10 year old bank debt for US Bank and that they had been sending information to address in another state i lived in which was XXXX Missouri and i believe i paid the debt or was in XXXX already for the debt and i have been having a bank accoumt since 2010 and they threatend to garnish wages and take me to court for the debt and tried to scare me into paying i told het i would pay and made arrangment to pay but after further investgting i realized they were a fraudulent company and i asked to b sent papets in writing about the said debt and she said she will but never asked me for my address but i did text my current identafication with current address and a copy of my debit card but i changed my information to my debit card because i know i should not still owr the debt and it doesnt come up on my credit and US Bank has no record of a debt that i owe them and said i could open an acct with rhem if i wanted to..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC
State: SC

Complaint narrative:
I have been contacted regarding a payday loan I supposedly applied for in XXXX 2011 and failed to pay back. I did not take out a payday loan during this time and not with this company or any of it 's affiliates. They have my personal information and have read it to me when I called them back. They have contacted my mother and spouse and threatened to have me arrested if I failed to pay this loan back. I do not owe them money and I want them to stop harassing me and my family. They call from different numbers daily and the address listed on " their website '' is actually the address for a XXXX XXXX in New York. It has reached the point where it has made my wife and I nervous and looking over our shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. 

I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. 

When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Principal Group, LLC
State: OH

Complaint narrative:
Company has called and harassed family members after being asked to dispute the claim for validity and after telling me that they would no longer contact me or my family members. Stating the company owning the debt would call after it was sent back. The company then proceeded to call family and tell them they were trying to get a hold of me for passing bad checks. I personally talked to XXXX people and my husband talked to XXXX all stating something different. The last female stated she would put it in dispute status and the phone calls would stop. They continued to tell us they were not able to give out any information on the company that holds the debt. They also stated they would only have the debt for 5 days and they could not send me a letter with the information regarding the debt, therefore I could not formally dispute the debt in writing like all other debt collectors. At one point they threatened my husband with a civil law suit if we did not settle the debt with them.

Company response to consumer: Closed with explanation