vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 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:
Years ago, I used to have an account with U.S. Bank. My account got closed out due to overdrafts. Since that account got closed out and at that time, I was moving out from my childhood home, I never received any information that my account was overdrawn. In the beginning of the year, XXXX, I was a college student. I received a letter in the mail, from a collection agency saying that because of those charges and some other fees, I owed U.S. Bank a lot. I honestly was n't aware that it was a huge amount to be owed. Because of that letter, with help from my dad, we paid off the amount and the next day, I had received a paid in full letter with {$0.00} balance from the collection agency. 
It has been about 4.5 years later, I have been harassed by many collectors & even getting supposed calls from my XXXX XXXX. As soon as they say, " U.S. Bank, '' I always tell that the account has been paid off and I always fax the original paperwork. 
Last year, I was contacted by another collection agency ( around XXXX XXXX ) and was told that the XXXX collection that I paid off was no longer active due to fraudulent activity and they never reported the account paid in full. Of course, I was frustrated and inquired about what to do. They said that because of that, my account was still open and in order for it to be closed, I would need to pay. So again, I paid and I also received a paid in full letter with {$0.00} balance. 
Because of so many calls of collectors, I had to change my phone number. No more calls for about 14 months. Yesterday, I got another call from some supposed attorney 's office located in XXXX saying that my account was still open. Of course, I become more frustrated. Now today, I decided to check them out before I contact them for the next step and I found out that they simply lied, they are another Collection agency posing as a local attorney. 
I have contacted a local attorney, legit of course. He recommended me that all of these are just collection agencies trying to steal my money. I am very frustrated, irritable and very annoyed customer.

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 2015-08-30 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 deposited a check for {$500.00} into my account on a Friday afternoon into my US Bank checking account. US Bank made {$200.00} of that deposit available to me immediately. I purchased something from XXXX XXXX for {$9.00}. Then later in the day US Bank decided they did not want to give me {$200.00} advance on deposit and took it back, in so doing my {$9.00} purchase caused my account to be overdrawn by {$4.00}. Seeing this I attempted to deposit cash into the ATM, the ATM would not let me. I e-mailed US Bank since it was the weekend and bank branch was closed. THey said to make a deposit I need to go into a branch to remove a hold that was put on card. Well I work for a living like most Americans and ca n't go in when banks are opened. During the week, so I deposited a check via their mobile deposit, to which I was charged {$0.00} to do so. Which I am fine with. 
On the XXXX, even though I do n't have overdraft protection and an e-mail ( from US Bank ) states I would n't be charged any fees for overdrawing my account using my debit card, I was charged a fee ( {$36.00} ). I purchased something when my account had a positive balance, enough to cover XXXX purchases of the size I made, then it was taken back to draw my account over. 
I have made multiple requests to remove the fee of {$36.00} and each rep declined. I put a stop payment on the deposit I made to US Bank because of the way they were acting and wanting to charge me fees. To which US Bank charged a {$19.00} returned item fee. That I had no problem paying. I am simply asking for the {$36.00} fee returned. 
Additional Note : I attempted to get this resolved, but after XXXX emails with US Bank, they refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a safety deposit box at US Bank. They take the yearly fee from my checking account ... .which I agreed to have them do. They send no reminder by email or regular mail so that if I forget I will be charged a daily overdraft charge until I receive a notice from them and can put money in the account. If they can generate a notice of an overdraft they must be able to generate a notice that a fee is coming up on X-day. 
I see this as only slightly more honest a way of doing business than opening accounts in customers ' names without their knowledge.as XXXX XXXX did. I have a busy life and do n't necessarily have a big note on my calendar ... or have an extra {$99.00} in my 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 2016-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: UNITED GUARANTY CORPORATION
State: WI

Complaint narrative:
It was a loan taken for my daughter to attend XXXX College of XXXX XXXX, in XXXX XXXX, Mn and I co-signed the loan for her. In XXXX my husband and I filed bankruptcy due to a preditory lender situation and this loan was in the the Chapter XXXX filing. United Guaranty owned the loan and filed XXXX claims against us against our Chapter XXXX filing and received payment through our Trustee. United Guaranty had purchased this loan from XXXX XX/XX/XXXX when our Bankruptcy was filed. The Bankruptcy was discharged XX/XX/XXXX. On approximately XXXX/XXXX/XXXX we received letters from XXXX XXXX XXXX and XXXX XXXXstating that they had a debt we owed and it was being sent to collections on a delinquent account we had never received any information or bill on, and had no knowledge of owing. After reviewing our bankruptcy it appears as though they had been paid through the court by claims they had made against us when our bankruptcy was filed. I ( XXXX ) made copies of the claims made and the discharge paperwork and sent it to both XXXX XXXX and XXXX XXXX Firm. XX/XX/XXXX a processor came to our home intending to serve our daughter with papers regarding a judgement against her and we explained the situation to him and that our daughter did not reside with us and we had not had contact with her for seven months. He advised I ( XXXX XXXX ) call the law firm he was representing and explain what I had told him. I did that the next day and was told by XXXX ( representing the law firm ) that they had our lawyers name and he asked me if the name they had was correct which it was and that they would not talk to me they would take care of everything necessary through our lawyer and that was the end of the conversation. I ( XXXX ) made copies of all the documents regarding the claims filed by United, copies of our bankruptcy, and the dismissal document and brought them to the law office of XXXX Law Firm on XXXX XXXX, XXXX again stating that XXXX XXXX does not live here. We have now received documents that there is a motion filed and I must appear in court. To the best of our knowledge they have received their claim amount and the bankruptcy is closed. United Guaranty did not file any further claim when asked by the court to do so before the final discharge was approved. They continue to hassle us and have continually threatened us with judgments and to make false statements regarding our credit to creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CO

Complaint narrative:
I am currently having XXXX issues with RCS : 1. Their inability to honor my requests to remove PMI from my loan. I 've sent a couple of requests via fax (?!? ) to their Correspondence Department to have PMI removed since I have satisfied their requirements. At no time have they honored my request and have even told me they never received my last XXXX requests. As a result of their ineptitude the most recent payment for XX/XX/XXXX has not been applied to my account which of course made my XX/XX/XXXX payment late ... here comes another late fee. 2. They received my XXXX payment on XX/XX/XXXX for a XX/XX/XXXX due date and they did not apply it to my account until XX/XX/XXXX, thus making the payment late. They then charged me a {$130.00} late fee due to their inability to apply my payment timely. They are not acknowledging their error and refuse to credit back the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am currently having my mortgage being serviced by US Bank Home Mortgage. Due to banking error and ACH bank draft issue - my mortgage fell 5 months behind. I attempted to get back on cycle with USBHM in XXXX 2016, however USBHM, indicated that account was in delinquency status and needed to have current and all past-due payments. So currently, past due payments have " ballooned '' to $ XXXX+ in back payments and late fees. Additionally, I requested to participate in the US Bank Home Mortgage Assistance /Loss Mitigation Program but was denied further participation in program, along with a workout option. I am currently appealing this decision and await and hopeful a favorable reply with my request. I have also made two recent mortgage payments to USHM - on XXXX 2016 and XXXX 2016. Please note since USBHM has serviced this account and up until this point, my payments have been timely. Additionally, I have been a US Bank account holder - for 17+ years.

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 2016-05-31 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I purchased a {$100.00} prepaid XXXX issued by US Bank National Association. I used the card for XXXX transaction of {$50.00} over a month ago. Last week I went to used the remaining {$50.00} and I was declined I called customer service and I was told the issuing institution, US Bank, closed the account XXXX XXXX, for fraud and took the remaining {$50.00}. I was told I would receive a call in 24-48 hours but did not. I called today and was given the dispute department number, when I called there I was on hold and after XXXX minutes, I left a message. How could they just take the electronic money I paid for in cash. To me they stole my money. The card is made out to " A gift for You '', no way to determine the owner, how many more cards did US Bank help themselves and take? The banks just do what they want and plain out steal, why not there are no consequences? The law does not apply to them. A bunch of criminals at US Bank and all is well. I am out {$50.00} and I have to try to hunt them down while they dodge all my calls. The customer service number is a service and not US Bank. Just plain criminal!

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am very upset and disappointed in the rewards change of my XXXX credit card. The free night benefit removal has been a disappointment. In addition, I just the annual fee charged to my account. {$75.00}. 

I believe it is very bad practice to suddenly change the terms of card ; In addition the old terms were advertised in marketing materials and in statements, website. 

To add insult to injury, I just found out that US Bank and XXXX XXXX have been selectively issuing free night certificates to select customers. 

I would like to also received the free night certificate. 

Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been receiving harassing, threatening and XXXX threats telephone calls from U S Bank representatives in regards to an account and debt of {$7300.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

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 2015-11-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XXXX I received a phone call from XXXX Bank ; to verify purchases made on my card. XXXX purchases for gas XXXX were made, with me living in XXXX. I informed the bank that the charges were not mine. At this time the agent I spoke with informed me that she would close out my account, initiate a fraud claim, and I would receive paper work in the mail. After allowing two weeks to go by, I still have not received any paperwork in the mail regarding affidavits she informed me I would be receiving. I followed up with online banking and their response was to call customer service. I called and was transferred all over the place, no one seemed able to help. I again tonight looked to see if any credits have been issued regarding the fraud charges, and nothing has been issued as far as any provisional credits as outlined per REG XXXX I am alarmed and baffled, especially where XXXX Bank took their time on another case with a dispute two months ago, and since timed elapsed on their end they ruled that the dispute was outside of guidelines. The fraud charges are the only charges making up my balance ; and yet, they ( XXXX Bank ) are requiring me to make a minimum payment. If a provisional credit was issued ; then there would be no balance due, actually a credit balance refund for XXXX credits that were issued for a return from another merchant. I submitted another request today via online, requesting credit again this evening. I also informed the company that if this matter goes un corrected I would be reaching out to XXXX XXXX directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank XXXX XXXX Visa Card 's marketed a number of benefits when you pay the annual fee to have the card. The primary XXXX being a free reward night whenever you redeem points for XXXX or more nights. They are removing this feature today, with short notice. They are n't offering any compensation, nor extending the benefit to the renewal date. Forcing me to use all my accumulated benefits prematurely or risk losing 25 % -50 % of their value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank sent me the attached letter advising me that " my '' request for a credit line increase could not be approved - but I never applied for a credit line increase. To the contrary, in an XXXX XXXX 2016 letter from me to the bank ( which was received by the bank on XXXX/XXXX/16 certified mail ) I specifically stated that I was NOT applying for a credit line increase and that I DID NOT want my credit pulled ( because it hurts my score ). US Bank 's attached reply indicates that the bank improperly performed a credit review against my wishes and ignored the substance of my XXXX XXXX letter entirely I had written to US Bank XXXX XXXX because I received a letter from them on that day, but dated XXXX XXXX, 2016 the bank reduced my credit line to only {$500.00}. I was shocked because i have excellent standing and history on my credit card with them which I referenced in my letter together with the inaccuracy of their citation to my credit score. I subscribe to credit monitoring and the score US Bank reported as justification to lower my limit was more than a XXXX point difference. That just was n't plausible. Plus the cited characteristics were inaccurate. I always pay on my account and was not even carrying a balance. But by lowering my available credit US Bank caused me damage because reducing credit does cause my score to drop, which it did - XXXX points. Ironically US Bank is therefore causing a negative impact to the score, which is what they are complaining about in the first place ( and which impacts my standing with other creditors ) This is all very upsetting and hurtful given that I am a responsible account holder. Moreover, after I took the time to write a detailed correspondence US Bank did not even send a meaningful reply. Instead, they delivered the nonsensical communication I have attached. They do n't value honest business. What a nerve!

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 — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Recently my mortgage company, US Bank Home Mortgage, raised their " Online Payment Fee '' to {$5.00}. I wrote to them to complain because they encourage their customers to go paperless and enroll in their e-bill service and it seemed very wrong to then punish the customers who did so. I was told that this fee only applied to online payments made after the XXXX of the month, but that it was not a late fee. I was told that I could avoid this fee by either mailing in my payment or paying online by the XXXX of the month. When I responded by saying that any fee that is applied conditionally based on time sure sounded a lot like a late fee, I hit a stone wall at the company. As part of my mortgage agreement I have until the XXXX of the month to pay before any fees are assessed. This " online payment fee '' that is only applied after the XXXX of the month seems like a very sneaky way to apply a late fee when legally none should be applied. They keep claiming that it 's not a late fee but I 'm not sure how that 's possible when it 's only applied after a certain date every month. I think they 're being incredibly shady and trying to milk a few extra bucks out of their customers that they themselves encourage to transition to online payments.

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