vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
US BANK has made multiple claims of rates available, to no closing costs, to other agents saying NO such thing as NO Closing Costs, Refused to speak about an online US Bank account where a new customer like me gets {$200.00} for opening account with {$500.00} or more and free checking!!? When in branch, The MANAGER refused to speak of it until I opened my laptop and pointed to it! Then said did n't know about it!! But then asked me XXXX XXXX? How do you know about Promo Code if not familiar with offer? Bank has Lied and is Baiting & switching and not giving direct honest answers, Another XXXX XXXX lender. I 'm XXXX and feel discriminated against since there trying to take advantage by not telling me all the bank deals, offers as they offer others not XXXX. Discrimination

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 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
In XXXX 2013 through my realtor, I began the process of seeking short sale approval for my property located in XXXX, FL. The first mortgage lien holder is US Bank Home Mortgage. The second mortgage is held by XXXX XXXX XXXX. I have been co-operating and patiently waiting- as I would much prefer a short sale over foreclosure. I do not have liquid assets available to settle a deficiency balance. After months of waiting US Home Bank approved me for a mortgage modification rather then a short sale. Each time I declined the modification and advised I needed to do a short sale, because I am no longer able to maintain the home. It has been vacant for over 3 years. After additional waiting, US Home Bank would come back with a counter offer- demanding a higher sales price than the buyer had agreed to on the sales contract, in order to complete the short sale. As of now, I have lost all XXXX buyers that had previously been under contract. I am now starting the 4th round of this unending situation, we do not have a new buyer yet. It appears that I am never going to be able to complete the short sale. I have fully co-operated and provided every document and answered every question asked by US Home Bank, then making me wait 9 months to a year, to hear that a higher sales price is being demanded is unreasonable. I need help. I need someone to intercede and for US Home Bank to get the short sale completed within a reasonable amount of time, and to not change the terms of the short sale at the final hour.

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 2016-05-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Sokaogon Finance, Inc.
State: SD

Complaint narrative:
CALL ME AT WORK WHEN I HAVE TOLD THEM I CAN ; T RECEIVE PHONE CALLS AT WORK. CONTACT FRIENDS/SUPERVISORS ABOUT DEBT

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: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
So I paid a payment to pay off credit card it was XXXX balance in XX/XX/XXXX I paid a payments in XX/XX/XXXX no paymnets in XX/XX/XXXX and 3 payments in XX/XX/XXXX including the pay off so XX/XX/XXXX comes around my XXXX paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on XX/XX/XXXX I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to XXXX from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in XX/XX/XXXX was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my XX/XX/XXXX cash payment

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 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge.

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 2015-08-26 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Misleading and deceptive practices by US Bank regarding 0 % interest balance transfers. I was offered a 0 % balance transfer and told, after explicit questioning, that I would not be subject to any interest charges if I paid the monthly new purchase amount plus the minimum payment amount. However, even though I complied with what I was told by their representative, US Bank started charging me interest on the new purchases amount. They may hide this information in their fine print, but they mislead consumers in what they actually tell them regarding their balance transfer offers. Their claim of a 0 % interest balance transfer is misleading and deceptive because what they do not tell consumers is that you can not avoid interest charges unless you discontinue use of the card. US Bank did apparently remove the interest charges and I have discontinued use of the card, but my complaint is again, their misleading and deceptive practices. I initially started my complaint with US Bank in XXXX 2015 after discovering they were charging me interest for the first XXXX months following the balance transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
To whom it may concern, Since 2013 I have been trying to get a loan modification with US Bank Home Mortgage ( Loan # XXXX ) every year I have successfully completed their packages sent it into them in a timely fashion, and as it gets to the end of the year they ( US Bank ) have never reached any type of decision concerning a loan modification. Once the year changes they write me a letter saying that my package has expired and they ( US Bank ) needs a whole new package. throughout the year they repetitiously ask for the same information which does not change. 
For 3 years they have only stalled on giving me a loan modification so I can catch up on my loan and make it current. Please look into my situation and please be of help so I can come out of default and make my payments.

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 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP
State: TX

Complaint narrative:
This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer. 

Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
This is a copy of a email I sent to XXXX XXXX of US Bank asking for help. I am not able to know nor see what I owe for my XXXX payment. The letter say XXXX amount and the brank manager says a different amount. The email text is below. 

Hi XXXX, I met with XXXX today at the US Bank branch office. He pulled up a payment that is due for this month and is {$240.00}. and some change. The attached letter says that amount due is {$120.00}. No knows really what I owe here. How can one do business and pay what is fairly owed. I will be sending another compliant to the CFPB about this. 

Despite the letter saying that I missed or was late for payments for XXXX ... .. I did make payments each time of the amount due for each month was dinged a late charge. XXXX tried to get a amount detail of what I owed for XXXX, but was told to have me call this number at BK Mortgage Hotline of XXXX. I called this number and was told to call or go the bank as they can help me. XXXX is not able to see any details of what makes up a payment. This is getting me no where. Please help!!!!!!! 

Kind Regards, XXXXHow can one make a payment, yet not getting any details. This is a classic case of loan fraud. I need this resolved by dropping the loan as the bank is practice deceptive practices on lending. This has been going on for years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. 

When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: IL

Complaint narrative:
After many months, we were finally able to reach an affordable loan modification with XXXX. But soon after that, XXXX grossly miscalculated our escrow - they charged us {$1200.00} per month for insurance instead of the correct amount of {$1200.00} per year. Despite repeated efforts on our part, they would not fix the problem, they stopped crediting our payments correctly, and they put us into default. Instead of fixing the problem, they sold our account to RCS, which is now foreclosing on us because of XXXX malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.

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 2016-01-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a credit card with US Bank. I made several attempts to pay the balance via telephone and internet. Phone kept on hanging up and internet log in did n't work. 
After I finally got to talk to somebody the bank charged me {$170.00} dollars in fees. And because I was 21 days late I am sure I was reported to credit reporting agencies. I feel I was treated unfairly paid my balance and close the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Client died XX/XX/2015. Credit Card from Elan Financial Services is informed of his death by widow. Elan continues to send bills and adds additional charges. Widow pays bill and Elan Financial continues to add new charges. Again contacted by widow and Elan Representative confirms the cardholder is deceased in their system. Assures her all will be handled. It was not. I contacted Elan Financial XX/XX/XXXX, was assured of the same and it again has not been resolved.

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 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received an Escrow Account History correspondence dated XXXX/XXXX/XXXX with an itemized accounting for my XXXX escrow payments with US Bank Mortgage account # XXXX. The escrow correspondence has incorrect accounting on it and when I called US Bank Mortgage, today XXXX/XXXX/XXXX at about XXXX PST to XXXX, the phone rep ( XXXX? ) told me the itemized accounting on this escrow correspondence is not correct. On the escrow correspondence it says XXXX/XXXX/XXXX had {$0.00} actual payments to escrow. However, I made the full payment in XXXX XXXX which included money that was supposed to be deposited to escrow. The phone rep had no explanation for why this letter is wrong. He instead told me he would send me a detailed payment history for XXXX which " shows '' I did in fact pay XXXX, and he also said that the detailed payment history will say that the bank did put the money into escrow. I told the rep that I need an updated/corrected annual Escrow Account History correspondence with the accurate records for all of XXXX, which matches the detailed payment history he described -to show, in fact, US Bank did apply the escrow money correctly. The rep said he can not resend me the yearly Escrow Account History with the correction, nor could the rep send me something in writing acknowledging their error and clearly reflecting the correct accounting record. WHAT I NEED : Essentially, I want proof that US Bank applied the correct " actual '' escrow for all of my monthly payments in XXXX ; basically a corrected version of the Escrow Account History correspondence for XXXX. DOCUMENTS : I am attaching a picture of the itemized lines from the Escrow Account History correspondence which shows the " Actual '' " Payments to Escrow '' was {$0.00} for XXXX/XXXX/XXXX. Also, attaching the monthly statements for my mortgage for XXXX and XXXX XXXX, to show that I made the payments and that their payment records reflect indeed an " actual '' payment to escrow should have taken place.

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