vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. 

I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. 

Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. 

A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. 

Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: U.S. BANCORP
State: IN

Complaint narrative:
I returned my leased vehicle on time to Same XXXX dealership and they did not report it to the leasing company. I have proper documentation.

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 2015-10-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I recently was the victim of identity theft and had over XXXX XXXX dollars charged to my U.S. Bank credit card. My bank removed all of the fraudulent charges and issued me new card. Now I see on my statement that they have reinstated XXXX fraudulent charge for {$2400.00} ( see attached ) I called card company at XXXX with my XXXX to ascertain what happened. First spoke to XXXX who was rude and not helpful, finally was transferred to fraud dept. Lady we spoke to would not give her name or agent i.d . and finally put us on hold and hung up on us. The fraudulent charge of {$2400.00} took place in XXXX 2015 in XXXX 2015 I was charged nearly {$20000.00} by XXXX XXXX for a host of products that were shipped in my name to Florida. When I notified my card issuer they immediately removed the fraudulent charges and issued me a new card. Now they have put the {$2400.00} fraudulent charge back on my account from XXXX another Florida company and as far as I know part of the same scam. I did NOT at any time authorize the listed charge and by bank knows this. I want U.S. Bank to know that I want to file for arbitration or will seek my own legal remedy if they do not make my account whole. That was what I was trying to state when I called in but never got the opportunity due to the unprofessional and rude agents I had to deal with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On Date XXXX/XXXX/2016 their was a withdrawals in the amount {$890.00} from my account this withdrawal was a fraud. their was maintenance fee and overdraft and extended overdraft and withdrawal I did n't make. this have ben going on for the history of my account. 
debit and overdraft fee someone in this bank is fraud and take money from my account. 
I would like to know how can be.

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 2015-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. 
To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
After I had paid the {$75.00} annual fee for my XXXX visa card ( issued by US Bank ), the benefits of the credit card were changed and severely devalued. XXXX of the key benefits of the card that convinced me to pay the annual fee was the fact that I would get XXXX free night at a XXXX hotel whenever I redeemed points for an award stay. However XXXX/US Bank abruptly ended this benefit and changed the terms of the halfway through my XXXX year of having the card without providing any compensation. If I had known that I would n't be receiving this benefit for the full year, I would not have applied for this card or paid the annual fee. When I contacted US Bank they falsely stated that customers had been informed of this impending change before the annual fee was charged ( we were not - customers were only notified in XXXX, after my annual fee was paid ), and they refused to refund the annual fee or reinstate the benefit. They offered only a very small compensation in the form of points, an offer that did not nearly compensate for the lost value of the benefit or the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: U.S. BANCORP
State: KY

Complaint narrative:
My son and I are trying to purchase a home in XXXX, XXXX through US Bank. 
OUTSTANDING JUDGMENT During the loan approval process I was informed of an outstanding judgment of {$1500.00} by XXXX ( initiated on XX/XX/XXXX ) in Maryland. I provided a copy of the check ( XXXX ) in the amount of {$3100.00} and the XXXX certified receipt showing receipt of the check by XXXX on XX/XX/XXXX. The total amount included both mine and my ex-husband 's share total payment. My ex-husband refused to pay his share of the judgment, so I paid the entire amount. However, my portion of the judgment was not credited and the lien remains. I conjecture one of two things happened : ( 1 ) XXXX never notified the State of MD of the payment or ( 2 ) The State of Maryland did not process my share of the payment to the claim against me. The loan is being denied until I can resolve the matter. I have contacted the Circuit Court of Maryland for XXXX and the State Ombudsman, but have had no response. 
REQUEST FOR FINANCIAL INFORMATION ON EX-HUSBAND During the course of the application process, US Bank ( the loan originator ) has requested addition information about me and my financial situation. The last request required me to provide information on my ex-husband 's current financial situation. I have no information on his truck loan at XXXX, his credit card purchases, his personal loans, etc. The divorce was final on XX/XX/XXXX, property was divided, and neither I nor my ex-husband were responsible for each other 's debts or had access to each other 's assets. 
I fail to see the need for this information. My ex-husband is not involved in the home purchase ; the co-owner of the property is my son. My ex-husband has not provided funds for the earnest money, inspection, or any associated fees. He will not be responsible for the down payment, taxes, insurance, or monthly payments on the property. He will not be responsible for property maintenance. 
I see this requirement for financial information on my ex-husband as either obstruction to prevent loan closure or harassment. I increasingly believe my age ( I am XXXX years old ) is behind a large part of this nonsense. My only other understanding of this latter request is incompetence on the part of the credit agency employed by 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 non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
At first we were thinking of refinancing our home, but then read about this other option of recasting ( or re-amortizing ) the existing loan with US Bank. The process was straightforward ; we just needed to pay at least 10 percent of the existing loan plus a {$250.00} fee and the bank would reamortize the loan with lower monthly payments. I called the bank to make sure of this and was given an estimated new monthly mortgage payment of approximately {$550.00} per month less that we pay now. We sent the money with the notarized form plus the {$250.00} fee, and I noticed online that the balance of the loan had dropped as expected, but I had received no information as to the new monthly payment amount. I sent a request to the bank through their online messaging system, but received no reply after several days, so I followed up with two more requests. Still nothing. I finally called them last Saturday, to speak to their customer representative, and he told me two strange things ( 1 ) my escrow account was deficient $ XXXX dollars, ( 2 ) and then he read me my new re-amortized payment amount which was XXXX dollars per month lower. My calculations showed this new amount should be approximately {$550.00} lower, which was the reason I embarked on the recast process in the first place. Also I have received nothing in writing ever on this escrow shortfall. I am very worried.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I purchased XXXX pre-paid Visa cards at XXXX at XXXX XXXX grocery store for the total of {$1000.00} for my family as gifts each card totaled {$250.00}, i have had numerous calls to Visa who knows the cards were compromised and where, i have had no help from them on this issue!!, I filed an XXXX XXXX dispute for {$250.00} on XXXX of the pre-paid cards and won, leaving a balance of {$750.00} they owe me, they sent me a replacement card with a balance of {$55.00} on it? ( still owe me {$190.00} on that XXXX ) then my sister was able to use hers for {$110.00} until it was compromised and a thief stole the rest of the funds, she was told that she won that dispute but they did not send a replacement card or any way to get the funds back, they owe me {$570.00} plus fax and other expenses thru this process, they expect me to be able to reach an associate at their phone # XXXX ( XXXX ) XXXX never returning my calls ( even though i 've faxed all per tenant information and included all info they request on the answering service ), it has been a total nightmare and their hiding behind the veil of a large corporation that offers NO help or resolution to this issue, i have a paper trail and all receipts pertaining to this transaction and have had NO help, i 've called numerous people and have NO resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK. 
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. 
This is a false debt so i called them to dispute it. 
The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation