vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had an unauthorized inquiry into my credit from PayPal Credit. I have since called PayPal Credit to remove the account. It was opened based on a former address. 
XXXX/XXXX/2015 Date of Inquiry : XXXX/XXXX/2015 Business Name : XXXX Address : XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I started the short sale process in 2013. This is now my third time undergoing the short sale application and awaiting approval. My experience with US Bank 's service and the prolonged short sale process has been agony. 

I 've encountered many, many challenges in working with the bank for the short sale. The most recent issue was my case kept getting labeled as a deed-in-lieu instead of a short sale. This caused all my paperwork to expire and I had to complete the short sale application for the third time in XXXX of this year. During this laps in communication, US Bank also changed the locks on the property without my knowledge. As the prospective buyers attempted to view the property, they could n't get in! The prospective buyers were the persons who alerted me that the locks had been changed on the property. This is unacceptable. 

Repeatedly the relationship manager assigned to me has called me to give a status update of " your file is in processing ''. Years have gone by without any significant update on my case. As a result of this lackadaisical effort in getting the short sale processed, a THIRD buyer walk just away from the deal because of the difficulty of getting business done with US Bank. The offering price was {$11000.00} more than what the bank would have settled for. 

I am beyond frustrated and disturbed with the unorganized process in which this bank does business. I urge the consumer bureau to investigate the unethical handling of my case. Repeatedly, I 've requested to speak with a manager in this matter and I have been unsuccessful in my attempts. I am hopeful that the bureau will be able to get answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Good afternoon, This complaint is against U.S. BANK. ( Fraud and Homeland Terrorism ) I had a transfer from my Financial Advisor deposit in the amount of {$10000.00} to my checking account number : ______________________. However, the credit was never seen on the transaction history. Then when I engaged the bank in person I was given fraudulent documents listing incorrect transaction history, which I am in the possession of, but do not have the ability to upload because of lack of money and have been evicted from my home which has my M.F.P. to scan the documents. They indicate that the account is overdrawn and additionally, called XXXX in XXXX NV, and let them know the account was frozen which was a lie. They have also deactivated my debt card without my approval. 

These act 's defined by F.B.I. are homeland terrorism and has left me homeless and without a way to pay any of my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is a complaint against US Bank for operational practices preventing customers to set up automatic payment withdrawal resulting in late fees to customers for additional fee income to US Bank. US Bank does not process the form and send an incorrect version of the Authorization of Automatic Payment form which is rejected once finally processed. This apparent intentional operational inefficiency has cause me late fees near {$220.00} despite proactive attempts to pay my lease payment. US Bank 's call center supporting leasing client is systematically set up to send customer the incorrect form. I sent in at minimum XXXX completed forms to their provided XXXX XXXX XXXX XXXX WI. On my lucky XXXX time where the form was finally processed, it was rejected for being the " wrong form. '' The " correct form '' asks for exactly the same information as the " wrong form. '' The only difference is the creative layout and basic title copy. This nefarious operational practice creates additional fee income for US Bank. XXXX Banks call center reps and supervisors were unwilling to name their regulatory body. They also will not remove any late charge fees unless by bank error. A clear case for removing my errors was escalated up to Assistant XXXX XXXX XXXX with no action taken. This is a clear unprofessional if not illegal business practice forcing late fees from great customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have XXXX credit cards : XXXX XXXX, XXXX and U.S. Bank. In about XXXX 2016, I received an offer from XXXX to transfer balances from my other cards to XXXX for a 0 % interest rate until XXXX XXXX. There were XXXX checks attached. I wrote XXXX checks ; XXXX for XXXX and XXXX for US Bank. The check to XXXX went through without a problem. I forgot the transfer fees so the check to US Bank was returned because the XXXX amounts went over my credit limit. I called XXXX and it was re-submitted ( with a different amount ) to US Bank. I received a statement from XXXX showing the check was submitted to US Bank ( check XXXX. XXXX ). When I called US Bank, they claim they never received it. Now, XXXX is going to have to cancel that check and re-submit it ( electronically ). I 'm assessed a {$25.00} fee by US Bank every time there is a returned check. I keep being told by US Bank that they do n't show any check by XXXX and XXXX says it was cashed XXXX XXXX. I 'm trying to pay down my credit cards and I feel US Bank is deliberately keeping me from doing so. I do n't have a complaint about XXXX, who is trying to help 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 monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank has failed to process my mortgage application in a timely manner. I am now in danger of not meeting my closing date and thus could lose my {$2000.00}. earnest money. Until yesterday, the mortgage processor was not returning phone calls I made to her to check on the status of my application. My purchase contract was written up on XXXX XXXX, 2016. On the morning of XXXX XXXX, 2016, I called my US Bank Mortgage Loan Officer to advise her my offer had been accepted and that I wished her to proceed with my mortgage application. I had already been " pre-qualified '' for a mortgage. I have provided US Bank with information and documentation as they have requested it, but they have not proceeded in a timely manner. For example, I did not receive my initial set of disclosure forms until XXXX XXXX, 13 days after I advised the bank I had an accepted offer. Additionally, it was not until late Friday, XXXX XXXX ( eve of a XXXX weekend ), that I received a request for information and documentation from the US Bank mortgage processor. I responded to this request by Monday, XXXX XXXX, end of day. While driving across country from XXXX to XXXX, where I am relocating, I was in touch with my Mortgage Loan Officer ( my Mortgage Processor was not returning my calls ) and received from her no indication there was a problem with my application. When I arrived in XXXX on XXXX XXXX, I learned that my application was still in the underwriting stages and that it was likely I would miss my XXXX XXXX closing. After pressing the matter, I was told a " rush '' would be placed on my application, and I am hopeful that this is indeed the case. However, realistically, I think there is a good chance I will not close and will lose my {$2000.00} earnest money. I feel the bank has not proceeded as it should.

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 2015-03-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank calls me XXXX times a day. As early as XXXX. I have told them that I am on medical XXXX and that I have XXXX. I also told them that I get paid on the XXXX of the month only. They continue to call and ask for the payment. Then they say can you borrow money from friends? They XXXX my van in XXXX. I paid {$1200.00} on XXXX XXXX to get it back. Then they gave me the runaround for a week before I could get it back. Then I owed another payment on XXXX XXXX. I told them that I would pay them XXXX and a half payments on XXXX XXXX and XXXX XXXX. I have to keep my phone turned off to keep them from harassing me. My doctors ca n't call about appointments and test results. I am also XXXX and this harassment sets off the XXXX that I have because of the XXXX. This goes on month after month. If I accidently answer the phone, they ask me every time why am I late with the payment. I could tell them this XXXX times a day and they will call again and ask the same questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank completed and submitted an online application for a VISA Platinum personal credit card that was processed and sent to me without my authorization or knowledge on XX/XX/2016. I was notified through a telephone from XXXX voice mail on XX/XX/2016. I received the credit card on XX/XX/2016. This is a red flag as it is the same fraudulent business practices similar to the XXXX XXXX XXXX scandal.

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 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. 
The payoff of the mortgage occurred as part of escrow : the total payoff amount of {$190000.00} included principal ( {$190000.00} ), interest ( {$440.00} ) and fees ( {$41.00} ). Interest covered the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. 
After contacting US Bank, they acknowledge receipts of the payoff on XXXX/XXXX/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on XXXX/XXXX/2016 I should received a refund of the interest amount covering the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. That amount should be equal to {$200.00}.

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 2015-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
Chase receivables collection agency of XXXX California sent information to credit bureaus stating that I owe {$82.00} to a medical institution. Problem I was never notified by the medical institution or chase receivables that I owe this money. Credit bureaus reporting that collection was opened since XXXX of XXXX. Problem is nobody sent me a notice or warning of such actions and now it 's on my credit report as of XXXX XXXX and my credit score went down by XXXX pts. When I tried to contact chase receivables they stated that I need an account # for them to know what debt I was calling about. So basically when I gave my name and address they could n't find me in their system but somehow they reported me to credit bureaus stating that I owe money. This is unfair and it is fraud! And now I am stuck because I ca n't get nowhere with collection agency and credit bureaus will not remove from credit report until XXXX! This is consumer ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Hello FDIC Consumer Protection : US Bank XXXX California called me last XXXX XXXX 2015 ; US Department of Treasury contacted XXXX as U.S. Department of Treasury - grant money transferred to US Bank in California then they told me pay {$500.00} for safe deposit fee ( scam or not scam ) so please investigation to make sure if no scam or scam letting me know and let my sister XXXX XXXX knows at Please FDIC calls XXXX at XXXX voice about US Bank of California and US Department of Treasury makes sure - if there no scam, please sister helps with me through this grant account XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX Public Records are being reported incorrectly at XXXX 7 years on my Credit Reports. Not only were these records a result of my ex-wife 's malfeasance, they were satisfied YEARS ago. 
My credit is immaculate, but for these reports. I work very hard to maintain it as such. Note, the Internal Revenue Service reviewed these public records an determined that I was an XXXX Spouse based on my ex-wife 's actions, and awarded me Innocent Spouse Relief. 
I paid her debts, and divorced her. I would appreciate having the derogatory information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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:
I was banking with US bank, after a scheduled transaction came out early and overdrew my account, US bank started to charge me at least XXXX overdraft fees per week, they would not stop.. I called and tried to cancel my account, they would not close it, every time they would try and transfer me to someone, nobody would answer, I got no help multiple times with anybody that I ever talked to and all they ever told me is we cant help you because your account is overdrawn.. the fees kept piling up and I had no way of catching up with also being unemployed

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 2016-07-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
The US bank continues harassing me with telephone calls demanding verification of my retirements funds which is simple unacceptable. On XX/XX/XXXX @ XXXX I received a call from XXXX XXXX ( XXXX ) XXXX XXXX demanding verification of my income. The funds are electronically deposited to my checking account since XX/XX/XXXX ; consequently, the US Bank continuously telephone calls demanding verification of my income is a desire to harass me which inflicts severe emotional distress. The US Bank have all information kept in files. Additionally, the US Bank have the option to communicate with me via e-mail. This type of harassment needs to stop immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was charged with several fraud charges out of state, I realized this when i tried to use my debit card. I filed a claim with the bank, I was given wrong information about how my automatic payments would be paid, I was told I would receive a form by mail, 3 times I was told that my claim was misfiled, so I went into the branch and explained to the manager and 2 days later she called me in to sign a document. This started on the XXXX and my money is just now being released.

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 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have been trying to complete a short sale. I am 16 months behind in my mortgage payments and can not continue to pay the mortgage. The bank keeps evaluating me and approving a loan modification because they say my credit score is over XXXX. The reason it is still over XXXX is because they are purposefully failing to log derogatory information on my credit report to keep my score inflated so they can tell the investor I qualify for loan retention. I wonder how many other non performing loans are in this similar situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank is reporting inaccurate and conflicting information to XXXX and XXXX. I filed a complaint on this matter before but US Bank states the information on my credit report is accurate despite providing different information to both credit reporting agency. I suspect the information on XXXX is different as well but I do n't have access to that credit file. I am providing documentation of what the credit bureaus are showing so you can see the conflicting information.

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