vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. 

Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. 

This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I 'm writing a complaint against US Bank for false and wrongfully reported information regarding my closed bank account to XXXX. U.S. Bank has reported a " transactions involving items are checks returned as uncollectible '' with Close your status " NOT REPORTED '' this information is nor true or valid. The complaint is inaccurate incomplete and a abuse of power. As documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports ab as documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports I filed regarding my identity being stolen and I am a victim of identity theft. US Bank close my checking account due to a negative balance this negative balance was related to deposits made into my account from XXXX XXXX 's personal checking account that was later revealed as a closed account. U.S. Bank debited my account twice without refunding the duplicate debit. U.S. Bank ignored my inquiry of account closure, documented identity theft, duplicated debited transactions without refund or cause. I think account was overdrawn for two days and I paid the negative balance in full receiving the rest of my funds XXXX laters in the form of a cashiers check via mail. All items FEES and ALL DAMAGES I PAID INCLUDING ITEMS OF FRAUD AND IDENTITY THEFT THAT WAS DONE TO ME AND VICTIMIZING MY LIVELYHOOD BY A CRIMINAL. A criminal I had subsequently fallen victim too and have been severely punished for acts done by a criminal. I want this account removed permanently from my file and U.S. Bank to held accountable for unethical participation engaging in fraud and identity theft, along with not following procedure and protocol with the theft of my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
I have been in review with my lender for XXXX 7 months for a modification. They have been requesting documents and I have been sending them and they have postponed the sale dates every thirty days. They requested documents ( bank statements ) which I sent last month and despite confirming that the sale date would be postponed they went forward with the sale today. They confirmed last night that they would postpone and today they changed their tune. This is unfair as I complied with their last request, they failed to provide me with ANY options to foreclosure and they completely lied and now have foreclosed on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
DONT BANK AT US BANK, THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks, and need some to investigate them. They are rude, mean, and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation, or something to say it is a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX, 2016 XXXX ran my credit report without my knowledge. They never informed me they were running the report. They planned on raising my interest rate. XXXX of the reasons they gave for the increase was too many inquiries on my credit report. Because they ran the report it lowered my credit score.

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 2015-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: IL

Complaint narrative:
Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. 

Also this is a VA loan and the VA has never tried to help us or counsel us!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was XXXX of US Bank and when I left, in XXXX of last year, I received a letter advising me that if I took no action my account would be changed from a platinum account to XXXX with a lesser fee or no fee at all. Shortly after leaving i relocated to AZ and in the mess I forgot about my account. I received no communication written, or telephone until XXXX of this year, despite changing my address in XXXX when I moved. when I found out that my account had an approx XXXX dollars. I immediately went to the branch and explained the situation. After a few weeks of investigating by the local branch in Arizona we found out I left the bank with a balance of zero and in XXXX fees started to be assessed to my account. I was also informed that I would have to call the branch where the account was opened up as they would have to fix the problem. I was given the phone number and called the branch and spoke to a helpful person promised to call the back office and follow up with me that day. twenty minutes later I received a call back and I was told that the back office would not help me at all and I owed the full amount now over XXXX. I went to the local branch and paid the money but felt that I was treated bad, especially for being a XXXX and the fact that bank would not help me out even though i received no written letter or phone calls to be discracefull and then tell me I have to pay everything.

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 2015-10-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: U.S. BANCORP
State: NH

Complaint narrative:
I purchased this card and tried to use it online on XXXX to pay my account balance. I tried using the card but it kept getting declined. I called the number on the back of the card and was told that XXXX is a " blocked merchant. '' The customer service representative said US Bank maintains a secret list of blocked merchants at which they do n't allow their prepaid cards to be used. This is completely deceptive. The back of the card says it is accepted anywhere XXXX is accepted. It makes no mention of a " secret '' blocked merchant list. I believe this secret list is to make it harder for people to use the cards so US Bank can collect inactivity fees or hope people just do n't use the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I took a loan for XXXX paid off the loan of XXXX they wanted me to pay XXXX and I could n't. now I have this " law firm '' calling my place of employment asking them to please not to call me at work. I 'm in an area I ca n't talk personal things. they refuse to listen and continue to call me..

Company response to consumer: Closed
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: CA

Complaint narrative:
National Principle Group called stating I borrowed {$300.00} online through XXXX XXXX XXXX on XXXX/XXXX/2013 and that money was deposited to my account on XXXX/XXXX/2013. Having no recollection of this, I called my bank and reviewed my bank statements. According to my bank statements, no such transaction was made. No money was received. Yet this company has my information. They are attempting to collect {$710.00} for an outstanding loan that I never borrowed. I informed the collector that I am disputing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has frozen my accounts ( XXXX ), beginning from on or about XXXX XXXX, 2016 to present without providing any cause of their action. I have received no written documents or phone calls from US Bank representatives giving reasons for freezing my accounts. I have visited branches I do business with on several occasions in the XXXX area and they are not able to give me any justification or even the responsible party that locked me out of my accounts. To date there has been no attempt on the part of US Bank to contact me regarding why these accounts have been frozen. I am a single XXXX XXXX veteran with XXXX who face extreme financial problems if this matter continues further with US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
This month US Bank started charging a {$5.00} fee to pay my mortgage monthly payment. Up until XX/XX/2016 this fee had previously not been charged. I have received no disclosures or information as to why this fee is now being charged. Also, this is unfair practices to nickle and dime customers just to make payment on their mortgage.

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 2016-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Residential Credit Solutions, Inc.
State: LA

Complaint narrative:
Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from XXXX XXXX to XXXX XXXX. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Called to pay off my escrow shortage on XX/XX/2017 at XXXX am from phone number XXXX. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to XXXX employee number XXXX. When I was transferred over to XXXX he was unable to see any notes concerning the conversation prior to the transfer. XXXX was able to process my escrow shortage payment for next year and adjust my monthly payment. 

I am requesting the first agent be terminated and never again be allowed to work in the mortgage industry. No consumer should be argued with when be proactive in paying their blls.

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 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: DC

Complaint narrative:
Plaintiff XXXX XXXX, has been subject to unlawful telephone practices by your company in the form of ( unwarranted or unauthorized ) cellular telephone calls by use of an auto dialer or ( XXXX ) in relation to debt collection practices. 

Defendant National Principal Group , LLC ( NP GROUP ) debt collection company called my personal cellular telephone numerous times without my prior express written consent trying to attempt to collect and alleged debt as consumer XXXX XXXX does not have a contract or account with the Defendant ( NP GROUP ) has demonstrated willful or knowing noncompliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) by continuing to call Plaintiff XXXX XXXX private cellular phone numerous times before sending a prior express / written consent form which Plaintiff XXXX XXXX never authorized prior express / written consent to any of these unwarranted automatic telephone dialing systems, or ( ATDS ) cellular telephone calls with a total disregard of law and in violation of XXXX XXXX XXXX XXXX. 

Defendant ( s ) has demonstrated willful or knowing non-compliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) by calling Plaintiff XXXX XXXX wireless telephone number XXXX that has been placed on the National Do Not Call Registry ( DNC ) since XXXX XXXX, 2012, Plaintiff 's number, which is assigned to a cellular telephone service. A person whose number is on the Registry and has received more than one telephone solicitation within any twelve-month period by or on behalf of the same entity in violation of the TCPA can sue the violator and seek the same statutory damages available under XXXX XXXX XXXX ) - the greater of actual damages or {$500.00}, a figure that may be trebled {$1500.00} for willful or knowing violations. XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ). 

Plaintiff ( NP GROUP ) harassed Plaintiff XXXX XXXX by making numerous cellular telephone debt collection calls without reading the XXXX Miranda / Mini Miranda as required by law for debt collectors. ( NP Group ) engaged in false and misleading representations in their communication in connection with debt collection to a third party.

Company response to consumer: Closed with explanation