vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XXXX of 2015. I started a FHA streamline refinance with US Bank Mortgage. It 's 3 months for the working on processing this FHA streamline refinance. Repeatedly, I would ask for a status update on the file. The loan processor would indicate the file is on holding pending release of a FHA case number. In addition, I was dissatisfied with the lack of response from the loan processor. I would send an email for a status update and I would n't hear a response for a couple of days. I have provide all conditions the lender had requested but still continue to experience delays in this FHA streamline refinance. It 's a lost savings of {$200.00} dollars per month. In addition, I had a request for Regional Manager to response to my complaints regarding lack of response and asking to waive credit report fee because of the time delayed in processing this file. So I decided to take my business to another lender. I asked US Bank Mortgage to transfer the FHA case number to the new lender XXXX. As of right now, I have not heard or received a confirmation they have transfer the FHA case number to the new lender. The new lender notified me this morning they have not transfer the FHA case number. I have left a message to the supervisor for loan processing requesting them to transfer the FHA case number. Currently, I have not received a follow-up regarding the status of my transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC
State: OK

Complaint narrative:
I continually get harrassing phone calls from a company called the NP group, and the phone numbers they call me from are phone number associated with companies who are on the FTC 's banned list. They claim that I took out a payday loan in 2011, which I did not. I have never taken out a payday loan in my life. They tell me that there are charges going to be filed against me and my husband for fraud and that if we do not pay them, they are going to have police officers show up at my house or my place of employment. They also call numerous family members and leave messages of this nature on their answering machines. I have several of the messages saved to my cellphone that they have left. I have asked them numerous times to stop contacting me by phone, and that if they believe it is truly a valid debt, to send me paperwork in the mail to substantiate that. That question only leads them to cuss me out and call me every name under the sun that I will not repeat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a credit card account with US Bank that I attempted to cancel at least five years ago. I learned by way of a credit monitoring alert that US Bank had not in fact canceled my account, despite my request. ( In fact, the account remains active even after my second written request. ) Although I had not charged anything to the account since I attempted cancellation, it incurred an annual fee that I did not pay, and thereby resulted in a 30- and 60-day delinquency that was reported to credit bureaus. I have sent two letters to US Bank requesting a discussion of this misunderstanding/error and a fair resolution. US Bank is utterly inaccessible and unwilling to discuss a resolution to this matter with anything but unsigned form letters.

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 2015-03-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP

Complaint narrative:
I was studying in the XXXX last year and opened an account with XXXX bank. My student visa was later rejected after coming back to XXXX, which means I would not be able to go back to the XXXX. To get the funds back, I have been calling XXXX bank for at least 3 times. Each time the phone call lasted for more than 1 hour. They would be just transfering my phone call to different department. After sending the fax and the documentation as they requested, the person from the fraud department claimed that they had never received my fax even though I had had the fax delivery confirmation receipt. When asking him about the process to resolve this matter, he told me that I only could wait and call back if possible. However he could not clarify the expected processing time for this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. 
A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. 
I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. 

P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. 

This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. 

Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP
State: IN

Complaint narrative:
US BANK has a collection on my XXXX credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belong to husband. I have also communicated this information with this company. This debt does not belong to me

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 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My loan fell behind XXXX months because of a job change, I was attempting to make a payment over the phone. I have money coming in XX/XX/XXXX and I explained to the company I wanted to make XXXX payment on Friday XX/XX/XXXX. They refused to take my full month 's payment unless I agreed to pay for XXXX months worth that was predated. This company, U.S bank XXXX mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to me.

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 2016-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XXXX/XXXX/2016 my husband was contacted about recieving a loan. 
The person that he spoke with said that he was with XXXX XXXX XXXX. Then the guy called my husband and asked for security information because he could not recieve verify that the account was our joint account. After recieving the information he had wired XXXX checks into our joint account. US Bank sent email verifiong that the wire had been there. The next day my husband was told to send ther money back to them. That way they could put more money back into the account. My usband went to XXXX XXXX and did the transfer using his debit card. Fraud dept. called my husband and told him that he had just been scammed. when my husband tried to get the transfer stopped. Money gram said that it had already been recieved and that tey could not do anything. Us Bank XXXX chose to put a hard freeze on our joint account as well as my personal account that my daughters XXXX gets deposited. As of today both accounts are closed. I do n't feel that they have the right to hold the money that XXXX had deposited into my personal account. 
I have not been able to pay her bills or pay for her meds. I was told that a certfied check would be cut and sent to me for the diferrence last week. I have not seen anything as far as check. They have closed this account. Again I do not believe that the have the right to old those funds. I have also reported the fraud case to the police. I have added my police case number with my attachments.

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 2015-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
U S Bank claims the payment is late for about 6 months now. Furthermore, they have falsely reported to all XXXX credit bureaus as late. I have checks and documentation to prove it has never been late, moreover, the online account even shows the mortgage to have been paid on- time for the past 6 ( six ) years. On a daily basis they call and harass with threats and I continually tell them I have sent certified letters explaining the mistake and showing the mortgage to be paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I never received a letter in the mail about this account. And I never received a collection notification letter as well. I 'm very disappointed how agencies can just put you in collections without letting me know by phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
After our bankruptcy was discharged money that was in a suspense account through US Bank was applied directly to principal instead of being applied to principal and interest. This has caused me to be 3 months behind on my mortgage per there accounting. We have contacted them on several occasions to no avail. We are receiving threatening collection calls and we can not seem to get a supervisor or manager on the phone. We have spent more than XXXX hours in a Branch Managers office with him recognizing there is an error and trying to assist us via phone to again no avail. They say they will look into it but no one seems to know what is going on and we continue to receive collection calls. We make a payment early on the XXXX of the month before it is due and XXXX on the due date. US Bank is now telling us that our loan is not a mortgage loan but a simple interest loan and they are incurring additional interest on the loan. The loan document say it is a mortgage loan and no one with US Bank can instruct us where in our loan documents that they can change it from a mortgage loan to a simple interest loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX I took out a car loan from a local car dealer, and was toldthat it was simple interest with no prepayment. To my surprise afterwards, and my fault for not reading the entire contract, there was a prepayment penaltySo with that said, I have prepaid the loan to {$.00}, but I am now gettingharassing phone calls from USBank telling me I am past due even though it isnot due XX/XX/XXXX. I have spokento more than a dozen USB representatives, trying to explain that I haveprepaid it, they acknowledge it, and even sometimes even embarrassed. Theyexplain, that there computer system can not handle the prepayment, andthat they will continue to call me. They state the only way that they will stop isif I pay the prepayment fee, which is not owed. How do I get USBank tostop the harassing phone calls?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US BANK CALLED TO TELL ME THAT THERE WAS SUSPICIOUS ACTIVITY IN MY AC & THAT THEY CLOSED MY AC.THEN THEY WROTE TO ME SAYING THAT MY BALANCE WOULD BE TRANSFERRED WITHIN XXXX BUSINESS DAYS.THAT NEVER HAPPENED & NOW WHEN I CALLED US BANK THEY GAVE ME A NUMBER, THAT NUMBER GAVE ME ANOTHER NUMBER & SO ON & SO ON. I CHECKED ONLINE & SEE THAT TYPE OF ACTIVITY IS REGULAR WITH US BANK. I NEED TO CHECK MY OPTIONS OF RECOVERING THE {$300.00} ODD DOLLARS I HAD IN MY AC, I ALSO NEED TO EXAMINE MY OPTIONS OF RECOVERY FROM THEM.

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 2016-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: AE

Complaint narrative:
I had been working with XXXX XXXX XXXX for almost a year to apply for a loss mitigation on a VA guaranteed loan. I feel behind three payments because of a family medical emergency. I called XXXX to report that I had to travel from a foreign country to USA to attend to my mother 's XXXX. I did not know that I needed to make a payment arrangement. When I returned to the foreign country I forwarded XXXX {$900.00} through bill pay directly from my checking account on XXXX XXXX XXXX and {$3500.00} on XXXX XXXX XXXX and both were returned. I received a letter indicating that I needed to pay {$4200.00} to bring my mortgage current. I sent a check for that amount on XXXX XXXX XXXX and it was returned because it was not a certified check. I called XXXX on XXXX XXXX XXXX and was informed that I would have to pay {$5200.00} to bring my loan current I did not have that amount therefore, I requested a repayment plan and was told to submit a loss mitigation package. I submitted my XXXX loss mitigation package on XXXX XXXX XXXX, the XXXX one on XXXX XXXX, the XXXX one on XXXX XXXX and the XXXX one on XXXX XXXX XXXX. With each submission, I was told that they were incomplete however ; each letter requested the same information. The fourth application was accepted. I called XXXX and spoke to XXXX ( XXXX ) on XXXX XXXX XXXX and she informed that my application had been received and it was under review however, the loan was being transferred to Freedom Mortgage Corporation with an effective date of XXXX XXXX XXXX. XXXX informed me that since I had submitted a loss mitigation package and assigned a relationship counselor my loan and loss mitigation would be transferred and I would be assigned a relationship counselor with Freedom Mortgage Corporation. I called XXXX on XXXX XXXX XXXX and XXXX informed me that loans from XXXX would not be on board until the following week. On XXXX XXXX on a call to Freedom, I was informed that my loss mitigation package was not transferred and a relationship counselor would not be assigned to me. In addition, if I could not bring my mortgage current I would have to submit a new loss mitigation package. I received that package from Freedom XX/XX/XXXX with information that stated that I would have to make monthly payment until I received some information on my loss mitigation package. I forwarded XXXX XXXX XXXX 's a copy of my XXXX, my VA Letter and my husband VA letter via email on XX/XX/XXXX and submitted my completed application on XXXX XXXX XXXX. I called Freedom Mortgage Corporation on XXXX XXXX to check the status of my loss mitigation package and told that my house was sold in a foreclosure.

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 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.

Company response to consumer: Closed