vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have been a long time Fidelity Investment customer. I have used their Fidelity credit Card which XXXX rewards. This year they moved platform and issuers. The transition has been a horrible experience. I have never missed a payment have 700+ credit. When the moved issuers to Elan. I have not been able to pay due to an ineffective website. To called to cancel my card twice and also sent a complaint through the investment portal. My card has not been canceled not has Fidelity responded to my 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 2017-02-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have a payment plan with Associated Bank aka Elan financial on a credit card I was behind on over 2 yrs ago. Set up XXXX a month auto deducted from checking. Have been paying for over 2 yrs. They have put 30 day late payments with all XXXX credit bureaus for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 XXXX 2015, XXXX 2015 even though XXXX is auto deducted from my checking monthly. I have contacted them. They refuse to delete. I sent them copies of my checking where this is being deducted. They still refused. I notified XXXX, they still refused to take care of this. I disputed with XXXX and XXXX ... .and Associated/ Elan told them the lates are correct even with copies of my checking where this is deducted. I need these lates removed immediately. It is hurting my credit score. I need this removed from all XXXX credit reports. They are reporting to each c bureau that I have been 30 days late for these months and then at the bottom it shows XXXX a month payments for these months. I am trying to purchase a car. Thank you for your help. 
XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted US bank and XXXX who confirmed that first date of default on these accounts were XX/XX/XXXX ... US bank sold this charged off account to XXXX and XXXX sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..

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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of {$4300.00} to a different credit card. This brought the balance to zero and I was finished with this card. 
Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not receive any notification or phone call from US Bank stating that I had additional debts to pay off. I paid my monthly charges online through my bank 's bill pay system and did not receive paper statements in the mail. Had I known about these additional fees that caused the residual interest, I would have immediately paid them off, as my goal was to get out of debt to increase my score for a home refinance. 

Once I learned of the residual interest charges, I immediately contacted US Bank. I spoke to a customer service representative who told me to fax a letter to the XXXX at US Bank to explain what happened and to have them remove the delinquency from my report. A few weeks letter, I received a generic letter in response, which had nothing to do with my situation and they let me know that they were not going to remove the delinquency from my report. I called US Bank again and spoke to both a customer service representative and a supervisor. I asked repeatedly if I could pay them the residual interest charges, but the bank refused to help with the situation. I asked them if there was anyone at all that I could talk to or anything that I could do and they would not help me. 
It is extremely frustrating that a loyal customer of over 12 years has been treated this way. I have never been delinquent in any of my credit cards and have always paid on time. After I transferred the balance of {$4300.00}, there was no indication that anything else needed to be done with this credit card or that I needed to sign back into my US Bank account, as I ceased using this credit card. This is unjust and unfair.

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 2017-03-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Dear Director : RE : Finance Company Consumer Complaint. / FNBO. / First National Bank of Omaha. 

Account Holder, Requested a Small Amount of Fund Transfer From FNBO, To Union Bank. 

Despite Requested The Transfer Days Ago, Fund Has Not Been Transferred. 

Finance Company, and Other Business Related Late Payment Fees ncuring, and The Consumer Very Concerned. 

Kindly Warn The Financial Company, Not To Intentionally Delay The Transfer, Please. 

Thank You Very Much, We Appreciate Your Business!!!! 

XXXX. 
XXXX, CA XXXX. 
XXXX. 
XXXX -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: IL

Complaint narrative:
have pending foreclosure in court for XXXX years due to false presumption of servicer XXXX to breach HAMP gov program to which i have been qualified in first place. After denial I have served TILA resscision notice on base of numerous TILA RESPA violations in original contract. 
After all there is XXXX servicer pretending to have right to resided contract and keep accruing fees and payments which make my mortgage absolutely not fordable and in fact I have been defrauded of opportunity to keep my property on HAMP gov program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC 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 explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I received correspondence from The law office of D. Scott Carruthers stating i owe his client XXXX, XXXX ( XXXX ) $ XXXXoriginal creditor XXXX. I am writing you because the letter is inaccurate and threatening based on my credit report this debt is not assigned to XXXX ( see attached letter ) also D. SCOTT CARRUTHERS owns XXXX. This debt is too old to take legal action therefore making this demand illegal.

Company response to consumer: Closed
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
When I applied for this card and paid the fee, one of the benefits was to be able to redeem points to get XXXX free night when you book XXXX or more consecutive award nights. However, they have now taken away that benefit, which was why I paid the fee. I believe this to be false advertising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have account with US Bank and the issue or concerns I have are fees for over draft, extended fees ( check account ) and charges to XXXX of my credit cards that I have not authorized to be an over draft for my checking account. Over the past 24 months, I have paid XXXX XXXX dollars in Overdraft fees. They refused to pay my regular bills and reorder my account transaction to hide what there doing. I have request a in chronological accounting of my bank transaction and they will not provide it. For at least two year my bank deposits of XXXX dollars in that account and they missed managed every transaction. They hey items for pay for excess of 3 days or more and re-ordered when transaction to cover up and released money held pending for payment back in to the account. also, have countless over draft fees place on my credit card ending XXXX, and I did not have agreement. I spoke to a bank rep a few days about it and still not attempt was make to follow up or correct the matter either. I need so help getting the matter corrected. Its just criminal what they are doing and it cost me a significant amount of money.

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 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED GUARANTY CORPORATION
State: AZ

Complaint narrative:
I had applied for a modification with XXXX on my XXXX lien last year. I went to a XXXX non profit agency for help. I misunderstood the counselor helping me and I did not pay payments while I was waiting to hear on the modification. a whole year went by and I kept submitting the requested docs to XXXX for the mod then in XXXX of this year I received a notice of servicing transfer stating my loan had been transferred to United Guaranty. By this time my new counselor with the XXXX office helped me call the new servicer to explain I was waiting to hear on my modification. we spoke to XXXX XXXX with United Guaranty she explained to me that my account is XXXX payments passed due and my balance is {$4000.00}. My payment with XXXX is {$120.00} if you do the math, XXXX payments x $ XXXX XXXX plus late fees. when the housing counselor and I called XXXX to discuss options to bring my account current since XXXX said I would not qualify for a modification. she said I had to pay {$4000.00} and my payments would not go back to the {$120.00}. I do n't understand why if all my information and terms of the loan was transferred this to me means that the current balance, rate and payment would remain the same. we told XXXX on the letter it also states that " nothing else about your loan will change '' I do n't understand why I can pay the 15 months of missed payments and go back to my {$120.00} payment, instead United wants to increase my payments which I can not afford. please help me to work with the new servicer, I just want to pay the pass due and go back to my regular monthly payment of {$120.00} which I had before it was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property.

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 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Us Bank Mortgage Company gave me a Modification XX/XX/XXXX, My mortgage payment was {$900.00} and {$920.00}, XX/XX/XXXX my mortgage went up to {$1000.00} I fell behind in my mortgage payment and asked US bank for a Mortgage or repayment because I am only 4 months behind. Well after months of waiting I called Us Bank this morning and spoke with Loss Mitigation department, I was told I was denied for both repayment and Modification, I was well aware I did not qualify for Modification, I just ask for a repayment and was denied that also, the person I spoke with she my income was so low and I asked her what did they have on file, the amount they have on file was incorrect and they never asked me to verify if the amount they had in place was correct or not. I have been dealing with US Bank for XXXX now and I am sure they have records showing my income to more than what was on my file. Please look into this for me I truly do n't believe Us Bank Home Mortgage even have the title to my home.

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 2016-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: FL

Complaint narrative:
My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was. 
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ). 
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I applied for US bank loan in the amount of {$6000.00} to rent an apartment, establish my life independtantly from my parents, and begin working. I was not credited the loan. I took out a {$500.00} line of credit and received a report that my credit card was used to purchased a taxi cab service in XXXX. I reside in XXXX XXXX and have not left the state since traveling to XXXX over the summer. My SSN was published via social media accounts and I believe it was likely used maliciously.

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 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

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