vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
U.S. Bank is the current holder of my mortgage. My payment is due on the XXXX of the month and I have always paid my bill on that day. Effective this XXXX, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after XXXX XXXX XXXX on the XXXX of the month. Since I live in a XXXX, then this means the fee will be assessed after XXXX XXXX. on the XXXX of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. According to U.S. Bank, this is not a late fee. Instead, they claim that late fees are only applied after a 15 day grace period following the due date expires. This new 'online payment fee ' is not given as an 'online payment convenience fee ', XXXX that is assessed across the board for online payments, but instead as a result of paying after a particular time. That is the definition of a 'late fee. ' I am being forced to pay a late fee despite paying my bill on time. 

XXXX, this was not part of my original agreement. Had I known this would be the case, I would have moved my due date to later in the month. There are no U.S. Bank locations or subsidiaries in my city or nearby so I do not have the option of making the payment at a physical location. My remaining choices are then to either mail in a payment or pay the bill online. When I first set up my mortgage account and payment schedule, no such ridiculous fees were assessed and so, I chose a schedule that allowed me to pay my bill on the XXXX of every month without incurring higher undue costs. Furthermore, I was not reasonably informed of these changes by U.S. Bank and how it would affect me. I happened to find out about it because I noticed the new field on my online payment page and called in to find out what it was about. 

This is not the first time I have had issues with U.S. Bank assessing an unnecessary fee on my account. Last summer there was another bogus charge on my account and calls to the customer service department yielded no results. Now, I 've had enough. This bank is predatory, unscrupulous and needs to be investigated for its business practices. I did not choose them to service my loan- they bought it in the secondary market. There is not a month that goes by that I do n't wish I could easily switch to another 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 2017-01-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a credit balance on my credit card. I contacted USBANK both by email and by phone and requested that the bank to send me a check for that balance but they refuse to issue the check. They say they are " researching '' it! The money has been in my account for 10 days and I requested it on XX/XX/XXXX by email and phoned the bank on XX/XX/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
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I had been a client of First National bank of Omaha since the early XXXX. I just recently noticed they charged me an annual fee of XXXX which I never agreed to. I sent them an e-mail asking why and when had this started because when I applied for the card it had none. The response it happened in XXXX because of the card upgrade that took place. I do n't recall approving them to upgrade or even requested for an upgrade. The credit line with them had even reached up to XXXX but I requested to bring it down about 8 years ago. What is bad they have been charging me this fee and apply it to a XXXX percent interest rate, I only use the card only when promo of lower rates are offered. At this rate nobody would be able to pay them down. They agreed to reverse XXXX fee if I agreed to close my account. I have but I want to request all other fees in the past be reversed to include that high interest rate being charged on them. 

The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
We went to refinance our home to lower the monthly payments and here we are 4 years later and we went to get a small loan to do repairs on the house and that is when we find out that they did n't lower the payments they got XXXX involved and sold them part of the loan to our surprise. XXXX now has a lien on our home for over {$100000.00}. We trusted the bank. What a joke. Looking for a lawyer to tell us our options now. Beware of dealing 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 2016-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: U.S. BANCORP
State: FL

Complaint narrative:
Upon my filing for Chapter XXXX bankruptcy, I was informed that the XXXX students loans that I co-signed for my daughter XXXX XXXX XXXX were taken out of deferment, closed then transferred to a collection acct. XXXX is and has been, since original loan was taken out, at least a Part-time student and currently has federal loans that are in deferment and good standing, is currently a XXXX with full deferment qualifications, with no lapses. 
These loans were taken out in XX/XX/XXXX and XX/XX/XXXX and should have reached there Statute of Limitation for reporting. We feel the transfer was performed as to re-start the Statute of Limitation time line. We, Myself and XXXX, have on numerous occasion to try and negotiate with them, stating that we do n't understand why they were taken out of deferment at all. Our Credit has been tainted since this began and has caused, on numerous occasions, denial of credit/home loans.

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 2015-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank gift card sold at bank for flat purchase fee of {$3.00} ; buyer assured no additional fees for use ... terms and conditions claim " no user fees, " no hidden fees '' no other fees for transactional use of the gift card- '' accepted wherever VISA accepted ''. Card purchased at bank & cash loaded plus {$3.00}. 
After card gifted, user tried to buy food at a bakery, then grocery store. Receipts reflected one cost ... but additional fees added on NOT by merchants but by USBank card & were not disclosed.This pattern repeated until card denied by merchant as " not sufficient funds available '' THEN card holder called card and found XXXX % of each purchase added on by card and held for up to 30 days without disclosure to card holder or merchant. SCAM.EMBARASSMENT FOR XXXX WHO ACCEPTED THIS GIFT FROM RELATIVE..card funds were skimmed from card and withheld from card holder ... different amounts for different types of transactions held different periods.

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 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
This is a monthly rental we signed contact for 1 year. When the contract was over I called the owner first time 35 days before end of contract and then twice 30 days which is required per terms of contract. I spoke with the owner and he was/is still very mad because my truck left ruts in his freshly paved parking lot. And he told me where to park. The owner of course said I never called him about leaving when I called 3 times o my to get his voicemail every time he also claims we left stain on concrete floor? We did no such thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan. 
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ). 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
My wife and I obtained a construction to permanent mortgage loan through a loan officer at US Bank in early 2014, to provide financing for a custom home we were having built. We closed on the transaction on XXXX XXXX, 2014. The department within US Bank that handles the disbursement of draw requests to the contractor allowed for the contractor to obtain funds well beyond the completion of the home. The bank was provided progress inspections by XXXX XXXX, a party of THEIR choosing, which identified with photographs and completion percentages that the basement of the home had very little work completed, yet US Bank approved to fund the contractor budget items that would have required substantially more money to complete the basement which was part of our plans, specifications, and contract with the contractor. Upon receipt of the excess funds, the contractor promptly abandoned our job leaving us to hire a different XXXX to complete the home so that we could obtain a certificate of occupancy and have a home to live in. I disputed the handling of the draw process once it was evident that the XXXX had abandoned us, but the person handling our disbursement indicated that I would need to fund the additional amount to complete the home. It cost us more than {$100000.00} more than our contract to complete the home. This figure includes over {$60000.00} in excess funds I needed to provide to complete the home in accordance with the plans and specifications, as well as the substantial amount of change orders that I funded to the XXXX to ensure there were sufficient funds left in the loan proceeds to complete the home. The contractor then submit for full disbursement of XXXX budget items that clearly would have required additional funds to complete the home. The negligence on the part of US Bank in allowing for our contractor to get over-funded on this project is the obvious reason that the contractor abandoned the job. He no longer had any financial incentive to honor his contractual obligations. At no point during the draw process, did US Bank or XXXX XXXX provide me with details of what the contractor was requesting for review. I demanded the information that was submitted by my contractor to XXXX XXXX and eventually they complied and provided the detail of the draw requests ( XXXX ) as well as the inspection reports that were completed in conjunction with the draw requests. This happened after the contractor had already been over-funded and had made the decision to abandon us. Upon reviewing the supporting documentation and inspections, it became quite clear why the contractor chose to abandon the job.

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 2017-01-24 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: U.S. BANCORP
State: WI

Complaint narrative:
Have a XXXX call me saying he is with XXXX dispatch or XXXX thats working in XXXX to attempt to collect a debt or finalize a court summons on a debt I do not owe. They have called me recently Thursday XX/XX/XXXX and Monday XX/XX/XXXX. After calling me and leaving me a voicemail they have also called my family. On Thursday they called my XXXX on her home phone. Which is a number I never once used. Monday they called my Husband XXXX, Sister XXXX, Brother XXXX and Father XXXX. My sister had from them calling a previous time told them she was filing a complaint again them for calling her. Making sure they do n't call her again. Clearly they did. My father XXXX they called on his corporate line. This line does not come up his name but the name of his Employer.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
My credit card stopped working so I contacted the bank and was told I was over my limit. I pay my balance every month and only use the card for small charges like gas once a week. My identity was compromised and over XXXX charges were made in XXXX 2015. The CS rep took the information and I paid the charges I was responsible to pay. I mailed a letter denying the fraudulent charges and made a police report. Several attempts have been made to talk to the bank since discovering the fraudulent charges. I keep getting a new statement showing I still owe the charges and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: PR

Complaint narrative:
US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I purchased an used XXXX Chervolet Cruze from XXXX XXXX XXXX. The dealership took advantage of the situation by quoting me a rate but putting another on the contract and hurrying me so sign it because it was time to close. They gave me no opportunity to review my contract thoroughly otherwise I would n't have signed it since it did n't state the terms we had agreed upon. Now, more than a year later I started realizing the principal balance on my loan was not getting any lower. I contacted the lender US Bank for a copy of it so I could finally review it. Upon reviewing it I come to find out I have been paying 7.99 % interest rate when I was quoted a 4.9 % at the dealership. I immediately contacted US Bank by phone and spoke to XXXX who was beyond rude, nasty and unprofessional. She repeadly verbally abused me and screamed at me on the phone, saying I was n't understanding what a loan was. I asked her more than 5 times where in the loan said that I had to pay extra interest if my payment was late, because on the truth in lending disclosures states the amount you will pay for the life of the loan. US bank should be proud because they have a employees who are trained to defend their unethical and unacceptable business practices. I feel offended by the way I was treated and by the way US Bank is draining every penny in my pocket with those outrageous fees that they do n't tell you about. While on the phone with XXXX I asked her to provide me with the disclosures that states I would be liable for any extra interest rate if my payments are late aside from the XXXX % late fee they charge, and she never answered by question constantly atacking me saying I did n't know what a loan was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
An erroneous property tax refund check was sent to my Mortgage Servicer ( USBankCorp ) which was subsequently cashed on XXXX by USBankCorp and credited to my Escrow account on XXXX. A letter was sent to USBankCorp requesting repayment to the County of the erroneous refund on XXXX. As of XXXX, the bank has not responded to the request, despite receiving XXXX separate written requests, and has not remitted payment to my County 's tax department. This is the XXXX occasion in which my Mortgage Servicer has not responded in a timely fashion to a request for escrow servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
we keep getting calls from a company called portfolio recovery. they say there looking for a person who does not have this number. i have told them many times and they say ok we will take care of that yet they will call another XXXX times the next day they call at all times even on early sunday mornings. tell them stop calling and check my number and see who it comes up to i told them i am on the do not call list.and they still call some times after XXXX at night

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I paid off my auto loan in full n XX/XX/2016 with US Bank. I call in to their Auto loan department and when it asks me for my last XXXX digits of my social security number, it finds a mortgage account and takes me to their department. They have tried to transfer me to their auto loan division but I am asked for my social and get transferred back to their mortgage department. I am now two months into having paid my car loan in full and they have in all likelihood sent the title to my old address. There is no US Bank location within XXXX miles of my location ( per their website ) and I cam unable to contact them via phone. Meanwhile, somebody else has the title to my car and can now legally sell it without my knowledge. My address was current in their system since my new condo is financed through them. I would caution anybody from having more than one type of loan 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