vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
For more than 5 years I carried a balance in excess of {$5000.00} with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In XXXX 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received another call ... .again indicating my account was delinquent. I explained the situation and was transferred to a manager, who again told me that the balance would be removed. The account was closed at my request. I reviewed my credit report last week and discovered I have a delinquent charge on my account from U.S. Bank, drastically reducing my credit scores. I would like the delinquency removed from my history and my credit restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a US Bank CashPlus visa credit card which explicitly advertised XXXX % cashback on Department Stores. They even list XXXX as a merchant. I have with success purchased at XXXX online and received XXXX % in the past, but all of a sudden last quarter my {$2000.00} quarterly online purchase at XXXX, where I went to XXXX, checked out at XXXX, only received XXXX % cashback. They claimed it coded as " business purchases '' and would only receive XXXX % cashback. This seems like the height of bait and switch, to open list a very well known department store in the list of accepted merchants and yet claim purchases directly from that merchant 's own website somehow does not get XXXX % cash back. And to not even do the courtesy of a manual credit is false advertising.

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 2017-03-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have recently went to work for the XXXX and was asked to have HR apply for a travel card for me for overnight travel. Once HR applied, it came back rejected because it showed my SSN with an outstanding Gov. CC already for {$450.00}. I had to contact US bank who is the governments CC issuing company and could not get a straight answer from anyone at all. First, I was told it was a prior Government CC, then it was n't, then they kept asking me for my CC number and I kept telling them I never had this CC and do not have a number. I spent over 12 hours and several lost man hours on this issue. After speaking with 4 different supervisors and Mgrs including Fraud supervisors, I was finally told that this account was actually a corporate account and although it was issued with my SSN back in XX/XX/XXXX and was closed out in XX/XX/XXXX after company ( XXXX ) failed to make remaining balance on card paid down to 0 balance. Fraud explained account was too old to trace back, but yet no one was willing or able to explain how this balance shows on my SSN. It has never been reported on my credit report and they say it 's because its a corporate CC but wer not willing to write off or delete this past due or prior debt which was never mine in the 1st place. I was in the XXXX back then and have never had a CC with or for XXXX time I called, I was given a new XXXX number to speak to a supervisor or someone who could assist me, not to mention I had to start from scratch each time I made a new call or had a new supervisor on the phone. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and another XXXX at these numbers : XXXX/ XXXX/ XXXX/ XXXX. My government coordinator has tried to assist me as well and same answer was given to her. This was never my account and not to mention its XXXX and was closed out in XX/XX/XXXX, It is keeping me from obtaining a Government CC because US bank is who the Government uses for all of our CC 's. I really need this issue resolved and removed from my SSN so I can obtain a new CC for my work travels. 
Thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US BANK has been unwilling to work with me to modify my loan. I have consistently submitted all documents requested since XXXX 2014, with no avail.They constantly lose docments I fax, send correspondence from all over the US. No one can never give me the status and says its in underwriting or in process.THIS IS STILL CONTINUING to this day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I had a Fidelity XXXX issued by XXXX XXXX XXXX. It was closed out with a balance XX/XX/XXXX. I was making payments faithfully since then. Fidelity then closed out their agreement with XXXX XXXX XXXX XX/XX/XXXX. I received no notice of this. 
The account was sold to Elan Financial Services XX/XX/XXXX. They claim to have called me repeatedly regarding the overdue amount, but my cell phone records indicate no such calls or voice mails received. I also never received any letters from them stating they would report me as delinquent to the credit bureaus. 
As of today, a " 60 day past due '' indicator showed up on all XXXX credit reports. In violation of the FRCA, I was never notified of any past due amount, nor their intent to report the deliquency to the bureaus. 
I travel for a living and need to be able to rent cars. While I know you can use a debit card for this purpose, it 's harder.

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 2015-10-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WV

Complaint narrative:
On XXXX/XXXX/2015 XXXX XXXX Sales and Rentals of XXXX XXXX XXXX XXXX WV XXXX started processing a new merchant account / credit cards through " XXXX product of First National Bank of Omaha address XXXX XXXX XXXX XXXX XXXX Member FDIC XXXX. XXXX XXXX number XXXX with a Point of contact of XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX. 1. First problem no written/signed copies of your signed agreement with the Bank and us, none was provided back to us. 2. The Bank rates differ greatly from the in writing promised rates. 3. Fees different as promised. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I wrote the following email " Dear XXXX, I just got my bank statement and XXXX XXXX is {$800.00} more than what you quoted us. You Promised we would save {$200.00} on our fees so, that makes us {$1000.00} in the red. Please contact me as soon as possible. '' Reply on XXXX XXXX XXXX the following- " XXXX XXXX ', checking the situation out. What ever, their will be a credit on next months bill to straighten things out. Frankly, I believe it was the XXXX " SALES SUPPORT '' teams fault. I had a bad feeling about the situation when I sent the deal in. The " Sales Support '' team member did n't fully understand that we had done a price comparison program with you all and he entered the rates as if it were a new account accepting credit cards without the card holder being present. That rate is higher, but we had worked out a comparison program based on your previous statements. In my talking to XXXX regarding this it seems that the Sales Support Team Member I got who 's job it is, is to see that applications are filled pout properly took it upon himself, without consultation with me, to enter the rates as if XXXX XXXX was a new merchant with no processing experience. So he, the Sales Support Team member entered our highest rate. I was told the Sales Support Team Member was a relatively new employee and not totally familiar with systems. I am getting it straightened out and will have credits issues for this most recent months statements and last months partial statement.I 'll call you when I have more definite word. I deeply apologize for the mistake and inconvenience. XXXX XXXX " XXXX '' XXXX XXXX " XXXX was to be 2.25 % now 4 %. Has been no further contact from anyone at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. 
I run to the branch and get a cashier 's check. I am not informed of the different rules. 
My cashier 's check is lost and they refuse to stop it. 
I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.

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 2015-10-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I check my account every morning and noticed overdraft fees on my account. I called US bank to help with the issue and had little to no help in answering my question or helping with my issue. I have XXXX accounts and transferred money when I noticed XXXX overdrawn by XXXX. Although I did this I still got charged. I haved banked with this bank for years and yet I could not get them to help me in any way. I had no issue with the fee associated with the XXXX but not the others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX I was talked into applying for a used car loan. 

XXXX, The assistant branch manager and XXXX XXXX XXXX, the branch manager guaranteed me that this would only be a soft hit to my credit. They told me they would do a soft hit, come back with an offer, then if I accepted that offer they would do the hard hit. I 'm trying to get my credit and everything in line to buy a house, so I did n't want my credit touched. I 've never heard of it being done this way but the XXXX girls swore up and down it will not affect my credit so I gave them my information. In the next day or two I seen they put a hard hit on my credit. I spoke to XXXX XXXX who said the policy must have changed and she can have it taken off. I filled out the form to get the hard hit taken off and was told it would be taken off within the week AND to stop worrying because they do this all the time. 

XXXX XXXX I seen the hit was still on my credit. XXXX XXXX has me fill out the same form again and said she 'll call me Friday, which did n't happen. I called her the following week and was told she 'll call me tomorrow, which did n't happen. The next week I called her again and was told I have to wait 30 days ( from the day I filled out the XXXX form ) for something to come in the mail. XXXX days later I never received anything. I spoke with XXXX XXXX who is the distract managers assistant. XXXX spoke with XXXX XXXX who said I was given the wrong form to be filled out. In order to take this hit off my credit I need to mail them a statement of what happened, my social security number, and a copy of each of my credit reports that show the hit. 

-I 've spoken to a manager of US Banks customer service and XXXX branch managers at other local locations, they all told me that they have never done soft hits and do n't know why I would have been told this. So I was lied to. How many people do they say this to but do n't check their credit so never know? 
-It 's been XXXX months and I 've had to basically chase this branch manager down to get answers. 
-US Bank already has all my info, but now I have to mail them the same info and more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I signed up for the US Bank XXXX XXXX credit card for the free 'bonus night ' award, which was exclusive to cardmembers after paying the annual fee of {$75.00}. However, they took away the bonus night - the sole benefit of me signing up for the card. I need the {$75.00} annual fee waived, since the benefit promised by paying the annual fee is now no longer given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 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 have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Principal Group, LLC
State: TX

Complaint narrative:
Today I was threatened with arrest and family members harassed on a debt discharged in a bankruptcy over 10 years ago. Highly illegal. 

XXXX NP Group violates the following : a ) Harassment ( XXXX ) : A debt collector may not harass or abuse any person to collect a debt, including : ( v ) repeatedly or continuously telephoning someone ; XXXX XXXX Collection Bureau , XXXX XXXX XXXX. XXXX [ DCND XXXX ] ( collector 's immediately recalling debtor after the debtor hung up constituted harassment ) ; CALLS FROM DIFFERENT NUMBERS REPEATEDLY.. CALLS FROM BLOCKED NUMBERS. 

b ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such action is lawful and the collector intends to do the same ; ( v ) threatening to take any actions that can not legally be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy. XXXX XXXX XXXX ] ( threatening to take imminent action, where no one in the creditor 's legal department was admitted to practice in the debtor 's jurisdiction was a violation of the act ) ; ( vii ) informing the debtor that he committed a crime in order to disgrace him ; ( viii ) communicating false credit information, including the omission of any dispute by the debtor ; ( x ) using deceptive means to obtain information about the debtor ; ( xi ) failing to disclose to the debtor that the collector is attempting to collect a debt and that any information obtained may be used for such purpose ( except such statement need not be made in formal court pleadings ) ; ( xiii ) stating that documents are legal process which are not ; XXXX, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] ( officer of collection agency engaged in unauthorized practice of law in Arizona, when she signed an application for a writ of garnishment ) ; ( xv ) stating that documents are not legal process which are, or implying that no action is required relating to such legal process ; or c ) Unfair practices ( XXXX ) : A debt collector may not use unfair or unconscionable practices to collect a debt, including : File complaint against them here : XXXX Here 's the managing member of the group XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX National Principal Group LLC Current Entity Name : NATIONAL PRINCIPAL GROUP LLC DOS ID # : XXXX Initial DOS Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Elan Financial Services closed, I faxed a letter twice on XXXX/XXXX/16 and XXXX/XXXX/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in XX/XX/XXXX that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of {$180.00} posted to my checking account today. I gave the bank permission per my fax letter to contact me but now they are claiming I faxed in paperwork back in XX/XX/XXXX that states I cease and desist which I did not. I have a good customer but I ca n't get a straight answer from anyone, I have a copy of the faxed letter at home which I faxed twice. The account should have never been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc.
State: VA

Complaint narrative:
Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Our mortgage was transferred XX/XX/XXXX from XXXX XXXX to Freedom Mortgage. We still owed a payment to XXXX XXXX for XX/XX/XXXX, according to Freedom Mortgage, so we paid twice in XX/XX/XXXX. This brought us current as far as we knew. Everything was fine until XX/XX/XXXX, they are saying we are still a month behind and keep changing their story as to why. Everytime we speak to someone they have a different story as to why we still owe another months mortgage payment that we have already paid. We even made a principle only payment XX/XX/XXXX, that they then tried to apply to another mortgage payment without our authorization. Please help. This is getting out of control, and they keep telling us to talk to our former lender, and we have, they said we were current before we transferred. We have never been delinquent on our payments. It seems like they are trying to make us go into default.

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