vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
My savings account is getting lower without me knowing about 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 explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP

Complaint narrative:
Ref Case number : XXXX Again unfortunately, the representative of US Bank did not address my complaint accurately and did not explain why the loan officer or the loan processor communicated for the additional information and clarification they need. I received only two calls and most of the time I was chasing US Bank asking if they need additional information or clarifications regarding this loan. 
In addition, I asked to close my checking account ; I deposited {$25.00} per the loan officer recommendation. Why I am receiving back only {$5.00}? see attached file As I mentioned in my previous complaint as a buyer, I can not recover from this failed transaction. 
the seller put this special house right back on the market and immediately was sold.

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 2015-10-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX a Westamerica Bank loan officer XXXX after he got me a credit card from Westamerica Bank. Then he insisted that I better fix damages to his home before he gets home from work or he was going to beat me some more. Out of fear I fixed the apartment on credit, but now the doctor says I ca n't work for XXXX months. How am I suppose to pay for this I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CO

Complaint narrative:
Failure by Residential Credit Solutions ( RCS ) to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ) On XXXX XXXX XXXX, we received a Final Escrow Account Disclosure Statement ( Short Year History Statement ) for the reporting period XXXX XXXX through XXXX XXXX. The Final Escrow Account Statement was dated XXXX XXXX XXXX. 

The Final Escrow Disclosure Statement does not reflect our scheduled XXXX XXXX, XXXX payment that was accepted and deposited by RCS on XXXX XXXX XXXX. This payment was processed by RCS before servicing transferred to XXXX XXXX XXXX. 

The correct ending escrow balance is {$2800.00} not/not {$2400.00}. 

Servicing of our loan transferred from RCS to XXXX XXXX XXXX on XXXX XXXX XXXX. RCS transferred an escrow balance of {$2400.00} to XXXX. They failed to transfer the {$430.00} that was accepted and deposited by RCS on XXXX XXXX XXXX. The correct amount of escrow that should have been transferred to XXXX XXXX is {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I purchased a U.S. Bank {$200.00} prepaid MasterCard from XXXX on XXXX/XXXX/16. I tried using the card for the first time on XXXX/XXXX/16, and got an error that the card was declined. I then checked the transaction history online and noticed that the card balance had dropped to {$0.00} and that there were XXXX unauthorized transactions. I immediately called their customer service to report the unauthorized charges, but they told me that they could n't help me dispute the charges because the charges were still " pending '' and that there would be a fee to issue a replacement card. They basically gave me the run around and told me there was nothing they could to recover my money.

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 2015-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
Hello I called earlier because my account was closed from USA bank and now I 'm not allow to open another account in any other kind of bank. I 'm in the need of my debit card. I talked to the polices department and let them know everything that USA bank has done to my account. And have n't gave me any time of information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
A U.S. Bank Visa credit card account was opened in my name by someone else who is impersonating me and stole my personal information and identity to apply for and opened the following U.S. Bank Visa credit card account : XXXX in my name. This is a fraudulent account opened by someone else who stole my identity. At the time the credit card account was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation. This credit card do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I bought my home in XX/XX/XXXX and the mortgage company was XXXX XXXX. Within days of signing, I received notice that my loan had been sold to U.S. Bank. U.S. Bank informed me of this transfer with new address to send my payments. 
Two months later, U.S.B. sent me notice of my home located in a flood zone. This was contrary to what my previous lender/builder told me. The notice never reached me and I was unaware of this at the time. It was the follow up notice that finally reached me. Here I was informed that since I did not provide flood insurance within the specified time ( never received the XXXX notice ), U.S.B. have gone ahead to provide with flood insurance and that my payments will be going up. I tried to explain to them that I was told from the onset that my home was not in a flood zone. Why was U.S.B. coming after me? This was a hassle I had to deal with costing a few thousand dollars to resolve. After this issue was resolved, my payment went down and I thought okay, all will be fine now. 
XX/XX/XXXX, I received yet another notice informing that my account was analyzed and it appears my escrow account was short {$3000.00}. I called to ask several times why was there a shortage since I have made regular payments/never late. The customer representatives I have spoken with could not give me concrete answers. It appears to me their answers were speculations rather than factual. This analysis has seen my mortgage payment skyrocket from about {$1100.00} - {$1600.00}. This is beyond what I signed up for and I feel the bank is not treating me fairly. I have also noticed some noticed in my payments breakdown, " additional taxes '', " mortgage insurance ''. The former I have no idea what those are and customer service has not helped. The latter, I was told it will drop off after a year, it has been two years and it still appears in my bill. 
I will like CFPB to investigate these issues on my behalf because I feel I am being railroaded my U.S. Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I bought my house XX/XX/XXXX from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX XXXX. US Bank is n't communicating with me as set out in the CFPD mortgage rules. 

This spring my insurance agent and I contacted US Bank about modifying my insurance policy to a home owner 's policy. XX/XX/XXXX I wrote to make sure they were using that policy rather than a forced-place insurance policy. And I also instructed them that, CFPD mortgage rules, they were required to remove any forced placed insurance fees and refund any charges to my escrow account. 

I sent them a certified letter with another copy of my insurance document for my house covered by the mortgage, which showed ample coverage for their Loan # XXXX. 

It 's well past the time they should have responded back that they received my letter and that the issue has been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX/XXXX/2015 my bank card was lost and someone began using my card right away, making purchases that I did not authorize. I immediately contacted US bank and informed them of what was occurring. While on the phone with the representative I identified transactions that occurred throughout the day of " my '' spending. The representative then identified transactions that he say occurred and I was able to inform him of transactions that I did and did not make. He stopped the card and while on the phone he indicated that he could see transactions occurring that where coming back as declined. Before we ended our conversation I learned that XXXX of the transactions was reversed for some reason, ( I later learned from the store that the individual that was trying to make the purchase with my card ran out the store when asked for my signature, the manager of the store was able to show me the receipt ). I have been monitoring my account and did not see anything else reversed on my account nor money added. I received a letter in the mail a few weeks ago indicating that the investigation was complete and that they were charging my account for some of the purchases that I had already made and initially told the representative that I had made. Also the purchases that I did n't make I was being told that they were authorized and would be charged back for them as well. I began calling US bank for several days requesting to speak with the agent that handled my claim only to speak with their voicemail. I have provided XXXX different numbers to be contacted at and as of today I have still not received a call from the agent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: AZ

Complaint narrative:
I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the XXXX of every month, clearly marked " apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as " miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there. 
Can they do this? I have called them XXXX to inquire and the customer service representative, both times, has said it is being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my XXXX XXXX, XXXX request for escalation. They have refused, in writing, to communicate with me since XX/XX/XXXX, because I authorized them to talk to my law firm at that time. In XXXX XXXX, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my XXXX XXXX fax. They remained silent. 

Finally, on the afternoon of Friday, XXXX XXXX, XXXX, I faxed them the attached letter, which once again lays out the mistakes they made in determining my eligibility for HAMP. It repeats what I faxed on XXXX XXXX, and again XX/XX/XXXX. I am hoping this third try will work, and making this complaint to CFPB at the same time to improve my odds. 

I request that CFPB take note of their HAMP-application-processing mistakes because they are systemic, as near as I can tell, and will have affected thousands of borrowers. The servicer is the rock-bottom least likely to approve HAMPs of those tracked by US Treasury at XXXX I have tried to modify this loan since XX/XX/XXXX. XXXX XXXX XXXX got away with fraudulent handling by handing the loan off to RCS. RCS should have done a lot better than what I report in the attached letter. 

Sincerely, [ name withheld ]

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
Hello, XXXX XXXX, XXXX I received a mailing from my local bank that I have had an account with for XXXX and a half years. There was an application for a " Pre Approved Credit Card '' in bold letters.I thought that because it was my local bank I would fill it out and send it in. I found out later that a hard inquiry showed up on my credit report. I called my bank and found that it was actually a credit card company that has a business relationship with my bank. I was also declined for the card. 
The issue is that between XXXX and XXXX my credit score suffered because of the loss of my business and my difficulty at finding a job at XXXX years of age. Prior to that I had great credit and since then I have worked hard to improve my rating. 
I do n't think this company should advertise for " Pre Approved Products " that are not actually pre approved, especially through my local bank that I was led to believe the application came from. I contacted my bank and they were sorry for the misunderstanding but there was nothing they could do because it was a different company entirely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED GUARANTY CORPORATION
State: MI

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to United Guaranty and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.XXXX XXXX told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the first I have heard of this issue and it seems shady to me since it was over 10 years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: U.S. BANCORP
State: RI

Complaint narrative:
I have a {$100.00} Visa gift card I was saving to purchase a new computer model when it became available. I held the card for a few years. When I went to use the card it had {$6.00} dollars available. Well I did not read the fine print about having to register the card and pay an inactivity monthly charge. I was disgusted and felt robbed. The card was used well within the expiration date. I think the consumer should be protected from this thievery. I will never buy another Visa gift card. The consumer should be protected from this type of gift card policies.

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 2015-10-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have been a customer of US Bank for over 15 years, My mortgage is due on the XXXX of each month, but not past due until the XXXX of each month. I refinanced my home with them a few months ago, now I get collection calls starting on the XXXX of the month and multiple statements showing a past due amount, when in fact, nothing is past due. I have gotten over XXXX calls from their collections people in the past 2 days, even after I called them and told them that there is nothing past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today, XX/XX/2017 I received a missed call from an ( XXXX ) telephone number. There was no voicemail left so I returned the call. Once on the line, the collector verified my name and proceeded to inform me of a " debt. '' Throughout the call we went back and forth regarding Paying of said debt where I informed him that I did not have any money to do so. Nor did I plan to pay off the debt at all. He then threatened to escalate the matter to the companies legal team. I began to back pedal and explain to him that I never put right said that I will not pay but that I am considering why I should pay. He then started to speak to me in a condescending manner. At which point I asked if this call is being recorded, and he replied yes. I then asked why he did n't tell me at the beginning of the call nor did he tell me this communication is an attempt to collect a debt and any information obtained will be used for that purpose. He began to explain to me that his company has a different way of addressing the mini Miranda and that it does not have to be stated exactly that way. Yet, it was never stated. I only knew we were discussing an alleged debt. I got angry and hung up.

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 2016-03-14 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ).

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 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was a victim of identity fraud. The person name is XXXX XXXX. This individual open a U.S. Bank account with my social security number and used my Identification number, account ending in XXXX. 
Also she open an account with XXXX XXXX XXXX XXXX, using my info account ending XXXX. The address she used is XXXX XXXX XXXX in XXXX, IL XXXX. I did n't profit from any of these accounts nor did I give her permission to use my name or ssn.

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