vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank, unauthorized, paid a {$470.00} bill via my checking acct bill pay to a different bank and acct #. They acknowledged mistake but their bank is too big without proper leadership to be able to correct their problem - which became mine. My perfect credit rating is now at risk, I ca n't pay the correct biller because US Bank 's bill pay is corrupted. They have no accountability nor proper customer service.

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 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My mortgage principle is currently at 77.9 % LTV and trying to terminate PMI with US Bank. Home was purchased XXXX/XXXX/14 and payments are up to date. Multiple attempts to contact US Bank to terminate PMI have not worked but local US Bank mortgage loan officers have stated it will be terminated. However PMI is still being included on my loan statements. 
Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I leased a XX/XX/XXXX XXXX S60 through U.S. Bank. The lease end date was XX/XX/XXXX. I returned the car to the XXXX dealership, as instructedXX/XX/XXXX. Nonetheless, U.S. Bank debited by checking account for a lease payment XX/XX/XXXX, even though the vehicle was returned and the lease was current, with no money owing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened a secured credit card with a credit line of {$500.00} at US Bank in XXXX 2016. I had charged {$490.00} to the card. On XXXX XXXX 2016 i decided to close the account and submitted my request in writing. On or around XXXX XXXX, 2016 I called US Bank and the credit card had been closed and they took the initial {$500.00} secured deposit and applied it to the balance which made a credit balance of {$0.00}. On XXXX XXXX I was charged a {$29.00} annual fee. I called US Bank on XXXX XXXX and was advised that they would go ahead and waive the annual fee by submitting a request and that it would be done within 10 business days. On around XXXX XXXX, I checked back with the bank and it still was not credited I was told to give it a few more days. On XXXX XXXX I called back again and a representative a shored me that they would waive that annual fee based on the prior notes they saw no issue but the representative past me to a supervisor and the supervisor stated that we will not waive the fee because this is a secured card and that if I took any other measures by going to the CFPB or Federal Trade Commission it would do no good because they were not going to break policy based off of a CFPB compliant. This card was closed before the annual fee was ever buil this card was closed before the annual fee was ever billed.

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 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the US Bank and did not receive a response. This bank account which was opened online fraudulently in my name was not opened with my knowledge or consent and was not opened by me. Currently it is the only item being reported on my XXXX banking credit report. When this account was opened it was opened in a state I did not even live in.

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 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I refinanced my loan through Lakeview Loan Servicing , Inc. Before I refinanced I had biweekly payments. However, after refinancing and being told that I would be able to continue the same frequency of payments, it was not the case. I asked multiple times if whoever was going to service the loan would continue the bi-weekly payments before closing. XXXX XXXX became the loan servicer for the loan and I had contacted them and they are not aware of bi-weekly payments. Lakeview Loan Servicing , Inc. should have advised me the fact that they were going to service transfer my loan so that I could have taken the opportunity to go with a more traditional bank or lending institution for my refinance. Most banks are able to provide a bi-weekly payment in which it is automatically taken. I believe the Loan Officer should have been more knowledgeable and not have deceived me in refinancing my loan indicating that I would be able to continue bi-weekly payments. The loan officer was XXXX 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 2015-12-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was issued XXXX Balance checks from US Bank Platinum for balance transfers for 18 months. I was late with a previous payment and I called and got it resolved with the company. I was assured that it was taken care of and my interest rate was still XXXX. She offered to transfer my additional balances with the XXXX interest rate for 18 months.. They sent the next bill charging interest saying my account was delinquent. I called the day the bill arrived on XX/XX/2015 and the woman said she would not remove the interest rate increase. I closed my account. This company lied to me and tricked me into transferring my balances to a high interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I requested my PMI be removed from my mortgage early as I have paiddown the balance early to reach 20 % equity. When I requested the PMIbe removed from my loan, I was told that I would have to pay {$150.00} fee to shshow that my home as not decreased in value. When I reach 22 % equity thethe PMI will automatically come off without me having to do anything. 
I have never been late and have paid extra on my mortgage. Theburden of proof is on the lender. I have made numerous improvementson my home including a new kitchen. If anything the value on my homehas increased. I have never been late and paid down my balance. 
There is no evidence to suggest that my home has decreased in valueyet they want another {$150.00} from me to remove the PMI. I have donewhat was needed to remove the PMI. Paid down the LTV below 80 % and notified them in writing to remove the PMI. My lender is US bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final XXXX document. 

My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in XXXX. 
I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. 

Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of XXXX correction, they informed me that they will reimburse me through XXXX gift card. 
My closing was done on XXXX/XXXX/2015, they accepted to reimburse through Gift card on XXXX/XXXX/2015 and since then I am following up with them to get Gift cards, and my mortgage originator replying to me that he will get them in week XXXX, but actually never sent them to me. 

I had overpaid {$290.00} than agreed as below. 
I was supposed to get credit {$530.00} ( Platinum credit ) and {$470.00} ( Appraisal fee waiver ), total {$1000.00}. 
But actually I received credit of {$530.00} ( Platinum credit ) and {$210.00} ( Lender credit ), total {$750.00}. 
Also, their was charge {$43.00} for point ( which was never agreed ), so total I over paid is {$290.00} XXXX XXXX - XXXX + XXXX = XXXX ). 
I have all email communications 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 monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
A deposit that was made in precisely the manner we were instructed by US Bank when the check is not written to me, the account holder. US Bank reversed the deposit of {$7200.00} claiming that it was not done so XXXX their procedures, which is a false statement as this is precisely how I deposited another check written to my wife, which she signed over to me and I deposited in precisely be same manner just days later. US Bank charged our account excessive overdraft fees forcing our account nearly {$500.00} negative. The account was able to be brought back into positive standing when my paycheck was deposited less the amount in overdraft. US Bank made no intentions to notify us that the deposit was returned and allowed transactions to post to the account and subsequently continued doing so when they returned the deposit. Since then, our balance has been further reduced and we are again in overdraft due to excessive overdraft fees of over {$200.00} in sum on top of the amount they allowed transactions to post to the account. This is firstly related to the reverse of the deposit we made and US Bank and their CEO have failed to address and or rectify the situation whatsoever. This violates the consumer trust and does little more than to create profits to this bank whereby any accounts that become overdrawn are subject to excessive penalties and fees charged multiple times in the same day. This has got to stop and my wife and I currently hold our mortgage, a credit card account and our checking account. This deposit would have helped us establish a savings account whereby we could manage our finances easier in light of the hardships we are already facing. As a former employee of US Bank, I am disgusted at the way the bank had handled and addressed the entire matter and the treatment we have recieved. I maintain the screenshots of the transactions showing all of this to be true and ask that US Bank be fined for their excessive overdraft penalties and return the entire sum of the current overdraft status and previous overdraft status to my account and allow me up to 90 days to open a new account with another financial institution. Whereby the only remaining accounts we will maintain is the credit card account and mortgage. We will no longer do our personal finances with US Bank and we will advise against them directly due to these actions. I am utterly disappointed in XXXX XXXX for allowing this bank to treat a military veteran, former employee and long time consumer in this manner and for allowing the bank to fail to live up to its advertisement of commitment to the consumer. A simple call in regard to this deposit would have quickly and easily allowed these actions to not occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 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: Bass & Associates, P.C., Attorneys at Law
State: OH

Complaint narrative:
On XXXX XXXX, 2016, at around XXXX, an associate from Bass & associates called me at phone number XXXX. Upon answering the phone the the associate identified herself ( however I can not recall the name of the person ) as well as she was attempting to collect a debt for XXXX XXXX XXXX. She asked for my date of birth, which I gave her then preceded to harass me. She never told me the amount that I owed during the phone call. She for the most part hounded me asking how I make ends meet in my household. She stated that they have on file that I received child support, so I have a source of monthly income and they have every right to take it because it is a source of income, and we need to come up with a payment plan. I then informed the associate that I do not have a job, I have XXXX XXXX children and my only source of income was from the monthly XXXX that we receive from the government for the care of our children. The associate then told me that they would take the that from us to make payments. I then informed the associate that they are in direct violation of the FDCPA for implying that the would take funds from us and saying that they have every right to it. The associate then stated that they do n't care and they have every right to take away the XXXX from our kids since it is a source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Mortgage XXXX US Bank ORIGINAL mortgage taken out by XXXX XXXX XXXX and XXXX XXXX XXXX In XXXX of 2015 I filed a insurance claim against my insurance company XXXX XXXX XXXX company Insurance policy XXXX US Bank ticket XXXX A check was sent made out to myself, XXXX XXXX XXXX ( 2nd mortgage holder ) and US Bank. I signed it, XXXX XXXX XXXX signed off on it and it was sent to US Bank who cashed and still has the money. The check was for {$24000.00} The asked for the check, the insurance adjuster 's worksheet, a signed contract and a contractor waiver of lien. I sent all of that. Then they wanted a XXXX filled out. I sent that. 

Then they said they had no paperwork so I sent it again. Everything goes into the general pool of file loss representatives and no one will take responsibility. 

I finally did get a check for {$20000.00} on XXXX XXXX but it was made out to me and my deceased husband. They have an original of the death certificate and he is not on the insurance, only I am. So I had to return the check and then once again they claimed there was no paperwork. They will not transfer me to a manager, even a voicemail, and no manager has EVER called me. 

All the work has been done by my contractor and I really would like to be reimbursed for all of it. 

At this point I do not know what else to do short of hiring an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I went to the ATM machine to withdraw {$500.00} and the machine never dispensed the money but after checking my balance it showed it has been taking out. I called the bank and they said that give it one day and my account will adjust it self but that never happened so I called them and was advised I needed to file a ATM dispute and it can take up to 10 days for them to investigate it and after 2 business days I called to follow up and was told my claim was denied. I told them that nothing came out and it ca n't be denied and the rep asked if I wanted to resubmit my claim, I told her yes I do. After 10 days they told me the claim was again denied and the ATM balanced. Iam not out of {$500.00} due to there ATM machine malfunction. I need help please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: MD

Complaint narrative:
on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Called and spoke to XXXX and was told my fee could not be waived to make an additional payment to my esscrow account. I got an escrow shortage after I made my XXXX payment and I do not understand how a company can not void an {$11.00} fee as a courtesy for a faithful customer. I am not trying to make an {$800.00} payment I am only trying to make the {$280.00} for my escrow shortage. I do not have a USBank near me and I do not feel mailing in my payment is secure. I do not like seeing any type of shortages on my accounts which is why I was tryng to clear it out early so next month i can pay the {$790.00} its supposed to drop to. Do I really have to wait till I make my next mortgage payment to the escrow shortage or can I make it online now? It 's pretty sad, I have been waiting to refinance my mortgage to because I am waiting for a good offer to come in from USBank. But If they ca n't do a simple request like this, which I do not do because I prefer online banking what am I holding for? I also was told I do not qualify to have my MIP removed because if the type of mortage I have, is that correct? Is my only way to remove it is by refinancing o a different kind of loan?

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 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX from XXXX in XXXX CA has called multiple times threatening to have me arrested if I do n't pay back an overdrawn bank account that was closed over ten years ago. Has used profanity on many of calls and physically threatened 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 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Tidalwave Finance Corporation
State: CA

Complaint narrative:
I had called tidalwave finance on 2 seperate occasions to get info on a charge off account ... .I had been potentially looking towards filing bk ... .an attorney had informed me i needed balances and company info so he may further assist ... .i tried to see if i could possibly settle my account with tidalwave finance due to me not having a personal cell or home phone number a female XXXX sttd she had the right to tell me to send it in in writting and she sttd she will be hanging up now ... .and she hu on me ... ..i tried calling again to speak with a sup but only had gotten a vcml ... its frustrating to know this is my second time to have to put a complaint towards this company.Im a single parent and have very little income. the second time I called I asked what the settlement would be and how the amount is being set by ... he then sttd im on a daily ineterest then i asked if the company accrues daily interest on a chargeoff account? ... he then asked me if I have lost my contract ... I informed him i did and that I would like what he is telling me in wriiting he kept asking me other questions instead of answering me ..like why havent you paid its been a while sine i had stated i wasnt working ... .I informed him XXXX and my kids would get sick once I would start working ... .if he could please send me the info to the mailing address and he hung up on me ... ..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation