vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
Hello -- My mortgage was bought by US Bank who have, until recently, a policy of collecting the mortgage due for a month up to 5 calendar days from the beginning of the month for which the payment is to be made ( my account details with US Bank can be made available to relevant CFPB personnel on request ). They recently changed their policy stating that even if the payment is made within the first 5 calendar days of the month for which the payment is due, they will collect an " online payment fee '' of {$5.00} if it 's made after the XXXX calendar day of the month. I paid my XXXX 2016 payment by XXXX XXXX and they charged me this {$5.00} online payment fee. 

This was a major change, as most customers have been : 1 ) accustomed to paying within the first XXXX calendar days without incurring any fees, 2 ) was not adequately communicated to us and 3 ) when I called their customer care number they were unwilling to consider any of my points and just insisted that they had informed me by putting this somewhere on their website. I would submit that such major changes should be : 1 ) adequately communicated, specifically with emails or prominent alerts as soon as XXXX logs into one 's online mortgage account and 2 ) banks should be willing to return the amount if this has not been adequately communicated. I concede the amount is small, but after the whole mortgage servicing mess, XXXX, the banks seem to have still not learnt any lessons, and keep on nickling and diming their customers out of all sorts of fees for very little-to-no work. 

I would request the CFPB to look into the possibility of the bank refunding me this amount, on principle. and ask them, in the future, to announce such major changes prominently on their website or through their communications with their clients. 

Many thanks, 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 2015-06-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Edward Jones XXXX billed my account for {$440.00} on XXXX XXXX, 2016. This charge referenced my dispute with a scammer who XXXX my computer and charged {$440.00} to repair it. They did not. I questioned the charge and received a credit on XXXX XXXX. The Edward Jones Cardmember Service Department reversed its decision on XXXX XXXX. I have written and placed numerous calls to Edward Jones to remedy the problem. They now say they can not initiate an investigation because I questioned the charge after " the 60-day protection period. ''

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 2016-09-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I was told the executive office would reach out to me. They have not. When they do it will be by mail I was told. Underwriting told me to apply for another credit card. According to the letter I received I requested reissue of new cards. No, I did not. I requested my card remain open. 
They will not cancel my request to withdraw my closure request. The reasons I was given are not clear. Too many accounts opened in a short time? Which accounts? My leased car? I do not understand why my account was audited if all my payments since XXXX 2016 were more than the minimum. This credit card company gave me no warning. The clerk did not transfer me to a supervisor to discuss options. On XXXX my credit score went up from one they gave me in XXXX. 
No one in this company has an address or phone number for the corporate office.

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 2016-11-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
In XXXX, I closed and cancelled an account with US Bank. The balance was paid in full ( see XXXX balance ) About 6 months later in XXXX, I get a call from their collections stating that I owed a balance. It turns out that what I thought to be closed credit card had been used for a fraudulent charge in XXXX. 
I spent hour straightening it out with them, and they said that the account was closed ( See XXXX fee reversals balance ). 
This morning I get another call from their collections - they had continued to accrue fees on the card for non-payment. They insist that the only way for me to " close '' the account again is to pay the balance in full. 
My credit score has dropped because this *closed* account is so past due. I do n't know what kind of business they are running and why they refuse to close it.

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 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My husband obtained a loan from US BANK for a XXXX Ford Fiesta. My husband died in XXXX 2011 and I have been making the monthly payments since. On XXXX XXXX of this year I talked to US Bank, got the pay-off amount, and gave them my bank info. They deducted the pay-off amount from my account. They told me I would get the lien release in several days. When it did n't come, I called ( about XXXX XXXX ). They offered no explanation for the delay but said it should be coming. I verified the mailing address. I contacted them again mid last week and was promised a call back within a couple days. No one has contacted me. I need the lien release in order to buy my tabs which are severely past due. The bank does not dispute at all that the loan is paid off ; yet it seems they are not sending the lien release! They offer no date that I should be getting it, nor any explanation of why it should take so long. I 'm at my wits end. My health is not that great and I sure would appreciate it if you can get them to send the lien release because I ca n't deal with this. I honestly do n't know what to do otherwise. Thank you.

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 2017-01-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
I was served by XXXX XXXX sheriff a notice to appear in court at the end of XX/XX/XXXX. Court date was XX/XX/XXXX. I appeared to court that day and talked to XXXX women representing A debt collector. We agreed on a {$50.00} a month payment plan for 4 months. I paid {$50.00} on XX/XX/XXXX which I have a copy of the payment receipt { # XXXX ) from that transaction, and an additional form stating the agreement for 4 months on it. I work for the XXXX and I get paid once a month. On my XX/XX/XXXX paycheck there was a garnishment of {$460.00} from the debt collector I just made an agreement with, less than 2 months ago. I was not informed, or sued by the debtor, or given the chance to request a hearing but they took my money anyway without me knowing about it until I received my paycheck. This has completely devastated me and left me the inability to feed myself until my next monthly paycheck.

Company response to consumer: Closed
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I went to mexico and enjoyed a day of swimming with the dolphins. Once the day was finished I went to buy pictures with my credit card. During this time dolphinaris credit card machine went down. They swipped my card 5 times with no success. The dolphinaris said we will bring your pictures to your hotel for cash payment. I was ok with that. When I arrived back XXXX I noticed XXXX charges on my credit card. I immediately called US Bank and disputed the charges, the bank took off all charges and credited back my account, then one of the charges were added back to my account till I could prove I paid with cash, I asked if the bank could get my signature verification, I was told no they do n't do that and people do n't sign their cards anymore, It was up me to get prove I did not charge my card and that I paid cash for my pictures. So that is exactly what I did. I got the proof after about 3 weeks. I sent this information though XXXX mail as well as to these fax number XXXX XXXX, Every time I have sent to these numbers it appears that nothing is being done. I spoke to a XXXX, XXXX, XXXX, XXXX to XXXX again on XXXX and sent the fax over nothing was doneSpoke to XXXX XXXX XXXX and then XXXX XXXX XXXX, fax was sent nothing was done. 
spoke to case manager and she was extremely rude and unprofessional and was unwilling to help. 
Spoke to XXXX today XXXX XXXX and said that XXXX did receive my fax but was unsure what happened to the fax. XXXX stated that something on their end is not being done right and that this was not my fault. She also stated that I could send the fax to her directly. I asked what can she do that no one else in her dept has n't already promised me. She said as soon as she sees in come through she will call me. I said that is fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
U.S Bank is dual tracking. They are trying to give a foreclosure while trying to pursue a modification on out home. They are giving us undo stress. The mortgage company has been unreasonable. I had a change in circumstances and they have acting like they do not care.

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 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I 've been trying to close this checking account for XXXX months. The balance is only {$8.00}, but they have ignored all of my requests to close the account and send me the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Our Mortgage was sold to Carrington Mortgage Services in XXXX of 2014. They bought it from XXXX XXXX XXXX. We have never missed a payment or been late. We have changed insurance carriers several times and this statement will become clear once I state the problem. In XXXX of 2015 we changed from XXXX XXXX to XXXX for our house insurance. XXXX XXXX sent a check for XXXX back to use. We called Carrington to ask what should be done with the money. They gave me and address in Texas to send the money to. We were instructed to explain where the money was suppose to go. I sent a check and a letter stating to put the money back in escrow. The check was cashed on the XXXX of XXXX. I also made my XXXX payment of XXXX. Now the problem is that they are saying that they never got said check. At XXXX they were saying they could not find the house payment either. Well I sent a copy of bank statement show that the check was cashed. My husband called them starting XXXX XXXX. XXXX XXXX said that he would check into it call him back. Friday the XXXX no call so my husband called back. XXXX stated that the computers were messed up. Well no call Monday so we called back and got someone named XXXX would not disclose her last name. Said she was head Supervisor. Said she would look and call. Still waiting for that call. Now they will not take our calls and have blocked us on the web site. The main issue is the XXXX plus trying to raise our payments by XXXX for more escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: NCC Business Services, Inc.
State: IN

Complaint narrative:
I have been trying to get Ncc business services to update my credit report since XX/XX/XXXX. I paid this account balance in full after jumping through hula-hoops and placed on hold several times with several different people due to their poor phone system if thats what you want to call it. I received my paid in full letter after a rep " lost " my front and back copy of the check i sent. I was happy. i have waited and waited and even talked to a XXXX supervisor who told me they were reporting the account as closed even though i see it has not! I have waited a month and this account is not showing as closed or paid. I am getting nowhere with this company! I have no clue how they are in business. Its so frustrating trying to do the right thing and the people who are supposed to be helping you dont even know what they are doing. I have called multiple times to get this corrected and each month it doesnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
in XX/XX/XXXX I paid off an old charged off debt made by XXXX and serviced by loancare service center, account XXXX, it continues to show up as an open account with {$31000.00} unpaid, I have not received a statement for over five 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