vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Regarding a Closed US Bank Checking. 
I am filling a complaint against US Bank. 
This is an in response to US Bank placing what they think is amount owed on an overdrawn checking account in Collections with XXXX XXXX XXXX. The current amount placed in collections is {$700.00}. 
The majority if not all of the what US Bank claims is the overdraft amount was caused by OVERDRAFT FEES. What has happened is that on one day the US Bank online site that I can access shows that I have a positive balance with my direct deposit being credited to my account that day. Then I would pay bills and get cash at an ATM. One time I Withdrew Cash from an US Bank location in XXXX, WI. I was given the cash by the drive thru teller. This was a Saturday and then on Monday the deposit date changed to that Monday and I was charged an Over Draft Fee of {$36.00} for that. This scenario has happened numerous times. The Bank Manager ( XXXX XXXX ) at the US Bank XXXX office stated that the teller should not have given me the cash. I am fairly certain that the teller also had seen that my account had a deposit that was credited to my account and then gave me the cash withdrawal. 
I am including a Screen Shot of what I saw on the Saturday morning on US Bank 's online site. 
I am also including the same Screen Shot with notes on it in red that shows the overdraft fees that were charged while my account was positive. This is the only screen shot I have but this scenario has happened multiple times which is the reason my account became negative {$700.00}. In fact fees were charged twice on checks that were returned NSF and then re-submitted. 
If that money is not available it should not say that it is available. Why should I be charged these fees due to US Bank 's faulty website? 
I am demanding that the {$700.00} that was placed in collections be zeroed out and be removed from collections. If anything US Bank owes me money for the fees that vendors charged my on returned checks that should not have been returned.

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 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I purchased my home XX/XX/XXXX, within the first year, I received a check from my mortgage for an overpayment from my escrow account. Every after I am sent a coupon advising me of an escrow shortage, I am given the option to either pay the full amount by a certain date, or have the amount disbursed into 12 month increments, increasing the amount of my monthly payments. Since XX/XX/XXXX or XX/XX/XXXX, I have paid the full amount to avoid the increase, but have noticed that my payments are increased anyway, coincidently, by the disbursement amount. Recently, I called an asked why my payments increased when I 've paid the full amount of the escrow shortage by coupon date, I was told that the increase to my payments is due to an increase in my insurance premium. I have XXXX, homeowners & flood ( which is an annual payment ), she could not say which premium, the amount of increase, nor the reason for the adjustment. This has been going on for several years. In XX/XX/XXXX, I was denied mortgage assistance for hardship, I did n't meet the requirements, during this time, I was still called for past due payments, the agent assisting me, was not attainable, the company does not offer loan modification services. I was very disappointed then, I love my home, but I really do n't see how I can make a lump sum payment for the escrow shortage, see the disbursed amount still included in my monthly payments, & a late fee (? ).

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 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Principal Group, LLC
State: KY

Complaint narrative:
I am an XXXX for a debt collections law firm, I know the FDCPA and FCRA to a T. This company has called my brother who is XXXX, my father, my sister, my mother and myself. The first time they ever contacted me was XXXX XXXX. I was told the debt originated in XXXX iao {$600.00} through a payday loan online service. I have never taken out a payday loan in my life. And in XXXX, I was XXXX. I think I would 've remembered {$600.00} dropping into my account. They stated that they did n't have to send me validation because they are a 'mediation ' company and that they were going to pursue suit for the debt. My father LITERALLY had to call and harass them over and over for 2 hours before they agreed to take our numbers out of their system, because the collector told him he would n't stop calling us and that he did n't have to stop! And not before they cursed him out calling him an XXXX among other things. I have n't received any calls until today - XXXX/XXXX/XXXX. I received a voicemail from XXXX, threatening to call any other references I may have provided so I called back not knowing it was the same company. Today, the story was that the debt originated in XXXX at an in store payday loan provider ( I would 've been XXXX ) and it is for {$300.00} from an in store payday loan provider company called XXXX XXXX. I have not received validation, and if this debt is valid, I will file a police report for fraud. However, if this harassment continues I will get an attorney - XXXX. I spoke with XXXX today, and they did not verify any information ( which is required for consumer protection ) and GAVE ME MY OWN SSN! I have googled the number and the situation, and many others have deemed this as a scam. I want them stopped TODAY!! I have never received any phone calls from so called XXXX XXXX XXXX advising I had this debt, never received letters - if they 're so great at locating my entire family you 'd think I would 've received one phone call? Funny how that works. When XXXX realized I knew what I was talking about, he immediately said he 'd put a hold on the account and that I would n't receive any more phone calls. If this debt is valid they 're going to have to sue me to get their money because I 'll get that dropped and file a counterclaim against them for violation of the FDCPA and they 'll have to pay me 10X more than the mere {$300.00} they say I owe. I do not owe this debt - and this is a scam. Good luck NP Group, not getting one over one me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX 2016 XXXX XXXX sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called XXXX XXXX, they agreed to pay back the money, but refused to pay back immediately.

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 2016-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I leased a vehicle in XXXX and the lease was serviced by US Bank. At the end of the three year lease I decided to purchase my vehicle. I took a car loan with XXXX for the payoff amount and a check was issued to US Bank on XXXX/XXXX/XXXX for the purchase price of the car plus the sales tax due on the purchase of the car. I knew I had purchased the vehicle ; however I never gave any thought to the title. Out of sight out of mind, as the saying goes. 
I decided to trade in my car this month as I have had major costly mechanical problems this year. At this point I realized I never received the title for the car when I purchased it in XXXX. I called US bank on XXXX XXXX, XXXX and explained that I had never received my title. They confirmed the check they had allegedly mailed to me with the title was never cashed. I explained I was selling the car and needed the title as soon as possible. I called again on XXXX XXXX, XXXX XXXX the customer service representative stated US Bank would need to send me a letter, requesting {$55.00} to cover costs of securing my title. I was advised the {$55.00} was to cover the cost of mailing the title & check priority shipping. I became very upset as I was informed I could not pay over the phone with a credit card and the letter had not been mailed as of XXXX XXXX. I reiterated that I needed the title urgently and expressed my opinion that my title was being held hostage by US Bank. The did not send the original title by certified mail, why should I have to pay {$55.00} for a title they were responsible for sending me 3 years ago? The customer service representative stated they sent a follow up letter in XXXX, again not registered or certified. It is highly unlikely XXXX very important pieces of mail from US Bank would get lost by the US Postal Service. I truly believe the title was never sent. It is now XXXX XXXX ; and I have yet to receive the letter from US Bank. I have obviously lost the car I had negotiaited to purchase, but even worse I am paying a car loan for a vehicle that is not being driven because of serious mechanical problems. It is disgraceful that US Bank accepts no responsibility for a ball they dropped almost three years ago. What do I need to do to secure my title and the check for the sales taxes that they have had for almost three years? I am desperately in need of some assistance to secure the title and the sales tax payment. Thank you in advance for your help.

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 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
I am a California homeowner that was working with Residential Credit Solutions , Inc. the servicer of my mortgage loan for a loan modification. During the loan modification process they were also proceeding with the foreclosure process which is a violation of the California Homeowner 's Bill of Rights " Dual Tracking '' prohibition. Although I supplied Residential Credit Solutions , Inc. with all the necessary documentation they requested, they sent me a letter stating they did not receive the documentation ; I have proof that it was faxed to them at the fax number they supplied. They contacted me after that letter and asked me for additional information giving me a very narrow timeframe to provide it ( 2 days ). I provided the information they asked for the week prior to the foreclosure sale but moved forward with the sale anyway and I lost my home. They also sold my home for less than what was owed to them but at no time did they offer me the opportunity to pay them less to save my home and they did not properly handle my loan modification application. There are numerous complaints against Residential Credit Solutions , Inc. and XXXX XXXX XXXX XXXX, XXXX and there is another case pending in California courts, see XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX et al. in the United States District Court, XXXX District of California, with nearly the identical circumstances where the homeowner sent in all the required paperwork for the loan modification but Residential Credit Solutions , Inc. claimed to have not received everything they needed and proceeded to foreclose. It appears that this is a pattern of practice by this company and their foreclosure trustee XXXX XXXX XXXX XXXX, XXXX. to unlawfully foreclose on people 's homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying not to be forclosed on. I feel like this lack of communication between US Bank and I is being done to forclose on my home. Along with other unorthodox bussiness practices and procedures is unconscionable to people like me and my situation. I 'm sure others are going through these same hurdles as me with US Bank. I believe their business practices is done intentionally and widespread. Something needs to be done, because this is an injustice on people with hardships trying to save their home and because it is very time consuming

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
Elan Financial ( for my Fidelity credit card ) offered a zero % for balance transfers. The offer was not honored because I did not have the convenience checks - I do not keep many paper statements - and this was not honored by the credit card company. the case number for my quick account closure is XXXX. I feel that my credit score will be damaged due to the fraudulent reasons given to open the accounts.

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 2016-07-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
harassment calls at place of employment. Collector must contact me on my main phone line which was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I paid the fraudulent Elan Financial Services credit card account balance of {$2800.00} in full on XXXX/XXXX/2016, but the credit card account is still showing on my credit report unpaid. I have attached a bank statement for proof of payment to this complaint.

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 2016-03-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
A 1-2-3 Rewards debit card issued through Kroger by US Bank was cracked again. This time the card was hacked for about {$120.00}. This is the second time this has happened in the last year. 

Last time it took their XXXX division months to resolve the issue. I was told I would receive a refund, but I never did. I called them several times about the refund but only got jack around by customer service. 

After I complained about the compromised card this time, I was locked out of my account. 1-2-3 Rewards customer service is usually rude, they act like they do n't care, and have hinted in the past that the result of the hacking was my fault. That is a preposterous notion! 

I have lost confidence in these people, they did n't resolve the problem in the past, and they were not willing to work it out. I hardly heard from them. 

I would like a full refund of the amount that was on the card before the hacker ( s ) made an unauthorized charge to the card, and then I want to close the card permanently. 

I was a good customer, for a long time, but I can see that they do n't value good customers. I have little faith that I will ever re-coop the funds that where electronically stolen form my 1-2-3 rewards card backed by US Bank, so I will be a good citizen and inform the authorities. 

I trusted Kroger with my funds, they let me down ; therefore the breach in security was not my fault. This happens everyday to people. Gradually, day-by-day, consumers will abandoned credit cards, because they will be tired of getting ripped-off by cyber criminals. 

Avoid all prepaid credit cards!!! BEWARE!!

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 2015-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: CO

Complaint narrative:
I did not have XXXX and they have put this collection ion my report regarding a collection from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA

Complaint narrative:
Conserv, the organization servicing the DOE loan I took out for my daughter 's college education, had agreed, in writing, to a revised monthly payment of {$260.00}. I authorized automatic deduction for my bank account and the payments were deducted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was deducted for XX/XX/XXXX, and when I tries to find out why, I got the run-around, among other things, being referred to a number of different persons who did not know what was going on. When I finally do reach someone with the correct information, I was informed that Conserv had decided to increase the monthly payment to {$300.00}. I had received no correspondence to this effect nor have I received any written justification as to why the payment was increased. Now, they are claiming that I am delinquent on my XX/XX/XXXX payment. They had the authorization to deduct the agree-upon {$260.00}, but chose not to. I suggest that both Conserv 's arbitrary increase of the monthly payment and their classification of the loan as delinquent are improper, and their collection practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
My current mortgage holder, XXXX Mortgage, a Connecticut Company, sold my mortgage to Rushmore Loan Management Services, a Texas Company, on XX/XX/2015.
The terms of the mortgage were to remain unchanged.  When Rushmore sent me written confirmation they had me owning the wrong home and the wrong mortgage terms.  I called them and they corrected the records to reflect the correct home and mortgage terms in a letter to me dated XX/XX/2015.  However when they sent a billing they had the incorrect amount. I should be paying a total of $ XXXX per month and they are billing me  $XXXX.  I have called them multiple times and all I get is promises that they will investigate. In the mean while I have sent them XXXX payments of $XXXX for XX/XX/XXXX and XX/XX/XXXX but they have not applied either payment to my mortgage. They are calling me every other day dunning me for payment of the incorrect amount and telling me that I am XXXX months behind in my mortgage payments. I have spoken with XXXX different people at Rushmore and it is like beating your head against the wall.  Now they threatening to start foreclosure against me  and to report me to the credit reporting agencies while I am current in my payments.  I am fearful that their errors will cost me unnecessary legal fees and destroy my absolutely perfect credit rating. My wife and I are in our XXXX and do not need dealing with Rushmore.  Your help will be greatly appreciated.

Company response to consumer: Closed with explanation