vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: U.S. BANCORP
State: UT

Complaint narrative:
I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.

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 2015-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I just received a very threatening call from a debt collector ; first leaving a threatening voicemail saying I was in dire straights and I need to call back immediately because someone issued complaints against me. I was very confused thinking who could file a complaint against me so I called the phone number that was left on my voicemail. After calling the phone number, the representative XXXX XXXX XXXX explained I had debt with US Bank. I was very confused because I had not had a checking account with US Bank for over 7 years when I closed my account because I was moving to a different location. I told her if I had a credit balance where I owed money to US Bank, they would not have allowed me to close my checking account. She then said that I had an outstanding credit balance of over {$500.00} and If I paid her a little over a {$1000.00}. everything would be taken care of. I told her I would go to US Bank and take care of this since, I legitimately closed my checking account with US Bank without a credit balance. Please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
We just bought a home in Virginia with C & F Mortgage. Us Bank bought the note and is not honoring the biweekly payment program written into the note in paragraph XXXX. I just demanded they provide a audit and credit all of the additional interest they have charged, since they put my biweekly payments into a suspense account instead of applying them to the note. They also applied one of my payments to additional principle when there was no instruction to do so, and called to say we were behind on our mortgage several times. I need help with this arrogant and unwilling mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to wells fargo to apply for a mortgage loan. I was given a preapproval letter by XXXX XXXX stating how much I was approved for. I gave the letter to my real estate agent and we started looking. Within a few days we found a home. We communicated with the loan officer the amount of the home and he gave us an offer amount that fit our payment needs while being in the budget he gave us. The offer he told us to give was accepted so I proceeded to borrow from my XXXX for the {$1000.00} binder needed as well as the inspections. XXXX then told us to immediately give the money back to XXXX XXXX because it would look bad on our credit, not knowing XXXX loans do not affect your credit what so ever. XXXX should have been very well aware of that! So we could not give the money back so he advised us to immediately use the money to pay off a couple of credit cards to make up for taking out the loan. This was unescessary money we did not need to spend nor could we afford to spend then to find out it was for absolutely no reason in the end. We proceeded to move forward with inspections and XXXX. This is when all phone, email, or text message communication completely stopped. We reached out numerous times to let him know all these things were done and we were ready for finalizing. Well after about 8 days we realized the loan was not going to go through, he had inputted my info wrong. I still have not recieved a call from him at this point I have reached out to corporate and was informed that he was wrong and they were sorry ... .Well now I have taken out a {$2000.00} loan, paid for all inspections, paid off XXXX credit cards with the money borrowed per his advice, and put down a {$1000.00} binder all on the word of my loan officer who allowed me and encouraged me to move forward. Corporate does not seem to think this is a big deal and have not in any way tried to make ammends. I feel very strongly wells fargo owes me all the money that I spent in this process because it was money that was wasted and money I did not need to spend nor did I have.

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

Complaint narrative:
Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I signed up for the US Bank XXXX XXXX visa credit card, with a key benefit being the inclusion of a free night on award stays : " a bonus award night every time you redeem for XXXX award nights or more, the last night is complimentary ''. This was a key benefit for the card ( which carries an annual fee of {$75.00} ). I signed up for this card due to its benefits, which were clearly stated on the website when I applied and was accepted for the card. A week after receiving my welcome material, it was announced that this benefit would be removed beginning XXXX XXXX, 2015. I called US Bank to request that this benefit continue for my card, as I had applied specifically for this product benefit, but they told me the benefit would be going away for all cardholders. I find it incredibly deceptive to offer a card with certain benefits and then once I have the card and have paid the annual fee, the most valuable benefit then gets removed with no compensation for this loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was XXXX. They gave a loan commitment letter on around XXXX/XXXX/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, XXXX XXXX, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on XXXX the title company contacted me and stated that US Bank was not responding to them to give them the information required for closing. I tried getting in touch with XXXX XXXX and the loan officer XXXX XXXX multiple times on XXXX, XXXX, and XXXX through phone calls and email with no responses. On XXXX I was able to get a hold of XXXX XXXX 's supervisor, XXXX XXXX, who said XXXX has been out of the office and that he 's ( XXXX ) is " not involved knee deep in every loan ''. After it was clear that XXXX was n't going to be of any help explaining why the closing disclosure was n't available for the title company I was able to get the contact information of his manager, XXXX XXXX. 

XXXX XXXX returned my phone call on XXXX at approximately XXXX. Less than 48 hours away from the scheduled closing. At that time he informed me that they could not close on the loan as scheduled. Furthermore, US Bank wanted several repairs to the house to be made prior to closing. At no point in the loan process had U.S. Bank asked for any repairs to be done to the house and had provided a loan commitment letter that did n't have any repairs as a condition on closing. He was shocked and said that he was speechless when he found out that I was just finding this out. The repairs that they were asking for at the last minute were unreasonable. For example, it was stated that a walkway need to be replaced because there was a slight dip that could be a tripping hazard and that we needed to install globes around closet lights. 

XXXX XXXX did apologize and informed us and the sellers that closing had to be delayed because US Bank failed to deliver on a loan through no fault of our own. The sellers and I lost confidence in US Bank 's ability to deliver the loan and agreed the best way forward was with a different lender. We did close on the house two weeks later using a different lender. The delay in closing cost us {$4800.00} in compensation to the sellers, {$630.00} in additional loan expenses, and mortgage interest rates had gone up an additional .25 %

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 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We applied for a mortgage with TD Bank after our offer was accepted on a condo in XXXX XXXX, NJ in XXXX. The price of the condo was $ XXXX and we were looking for only a $ XXXX mortgage. The entire process for getting final approval on the mortgage was stressful and inefficient and lasted from XXXX to XXXX 2016. From the beginning we were not given a clear understanding or timeline of the process and steps involved in getting the mortgage. When forms or documents were requested we would rush to provide them. We would then ask what other information would be needed so we could be proactive. We were told that no other info was required from us only to be contact a week or days later with another request which the Bank required immediately. So we would have to drop everything and run to the bank or contact our lawyers or the sellers to get the information required. This happened multiple times over the 3-4 month period and sometimes it would be for information we already provided. We would submit forms, like the SSA form, and be contact by the bank over a week later saying the quality of the scan was not good enough and needed to be re-sent. It took them over a week to look at a form that they requested we submit immediately?? The mortgage was also delayed because since more that XXXX % of the units in the condo were owned by one company we needed special approval. It took over 2 weeks to get this approval because the person at TD who approves these cases was on vacation. There is only one person in all of TD bank who can approve this? The final straw came when we were delayed because TD Bank ended its partnership with the 3rd party who processes the SSA forms and they had no other service they could use. Because they were able to process my husband 's SSA form before the partnership ended but not mine, TD recommended we restart and resubmit the mortgage application process with just my husband 's name on the application. After a few months our lawyers and the sellers were starting to get frustrated that the mortgage was taking so long. Our apartment lease was up XX/XX/XXXX and our landlord wanted a confirm date as to when we would be moving out. When we told TD that we would need to finalize this mortgage soon ( after 3 months of back and forth ) or we would be without a place to live, they suggested we put our stuff into storage and move into a hotel. We live in XXXX and moving into a hotel is not an affordable option. After all this, we were so desperate that we cashed in some of our investments in order to make up the $ XXXX and pay all cash for our condo and never got the mortgage from TD Bank. As a happy and loyal TD customer for over 15 years, I was truly disappointed on how my husband and I were treated. As first time home buyers they tarnished this experienced for us and left us without a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
This has become an alaraming pattern of negligence and possible intentional negligence and malice when it comes to the billing of my card with US Bank. 
Thsi pertains to the reversal of XXXX provision credis despute the bank being in receipt of my paperwork related to the disputes, failure to provide signatures/drafts or evidence of chip usage for my card, and failure to provide doucmentation that a YELP order was received ( it wasnt and they cant prove it ). 
So the provision credits that should of been permanent credits to my account are : 1.XXXX ( XXXX ) XXXX -- POssibly the most egregios. From a city in the middle of Virginia that I have never visited 2. XXXX XXXX ( XXXX ) -- -didnt authorized the charge. Please show me a signed receipt. You cant because there isnt one. 
3. XXXX XXXX ( XXXX ) I never received the food from this order. It was ordered but must of been delivered to a different address. Again no proof provided showing it was delievered to me. 
Attached you will find copies of correspondence sent to US Bank alongside a troubling letter that US Bank references " an attempt to reach me via phone '' with no reference to any matter. Saying " if we dont hear form you by XXXX/XXXX/17 we will not complete the investigation ''. Well i did call and sent multiple faxes telling them XXXX XXXX wasnt a valid charge and to give me a signed receipt. The decided to make matters worse and over turn the provisional credit before their " self imposed deadline '' of XXXX XXXX, 2017. 
I have made it clear to US Bank i will communicate in writting or email. As a small exception, I did in fact called the alias " XXXX XXXX '' XXXX XXXX but alas no one was available. It was all in vain as US Bank had olanned on reversing the provisional credit for XXXX XXXX all along. 
This was a calculated, premeditated act by US Bank. 
Please see copies of communication with US Bank on this matter.

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 2015-08-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
On XX/XX/2017, I submitted a new purchase contract to my short sale lender and I received a phone call on XX/XX/2017 from my single point of contact ( XXXX ) that the lender would not even consider me doing a short sale. I am desperate for help and I am trying my hardest to get the property and I feel as if my lender is n't doing what the government says a lender should do by offering me an alternative to foreclosure. I am not asking for a handout, I am only asking that you assist me with getting my lender to review the cash offer that I have on the table.

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 2017-01-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/2016 I purchased XXXX items from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) with my VISA credit card. When I was billed a charge of {$1000.00} was added to the XXXX charges of {$100.00} & {$25.00}. I phoned the company which then apologized ; the young man who charged me was fired. However, XXXX continues to charge me the {$1000.00} despite my phoned calls explaining what happened. Their letter of XX/XX/XXXX threatens to report me to the XXXX consumer reporting agencies unless I pay t he {$1000.00}.

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 explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

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 explanation