vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I had a {$51.00} credit card statement balance, on or about XXXX I disputed a {$50.00} charge, on XXXX I received an email from US Bank stating they had received my dispute and would contact me in XXXX days ; I have still not received a reply. 

On XXXX XXXX, I paid the {$1.00} remaining balance on my credit card, as I am not required to pay the disputed amount during the dispute. 

I was charged a {$27.00} late fee for not paying the disputed amount, a {$2.00} finance charge and received my new statement stating I must pay all {$79.00} XXXX XXXX ). 

While I called customer service and they removed the fees, it seems that if I have an item in dispute, by charging me a late fee for not paying the item in dispute they are violating my rights under the Fair Credit Billing Act and they may be doing this to other customers as well who do not know their rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 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 was mistakenly charged {$1700.00} from vendor XXXX XXXX XXXX XXXX selling makeup. I bought XXXX lipsticks and facial cream which should have totaled {$60.00}. 
I did not catch this error for 2 weeks, Once I did, I called XXXX and was informed she did not have the Monies to refund me. I went into my bank ( US BANK XXXX and filed a complaint for fraud. they issued me a provisional credit on XXXX XXXX as XXXX XXXX was not responding to me or them. after 90 days I received a letter from US Bank resolutions dept that their investigation was completed and my credit was now permanent. Upon recieivng this information I thought all was done. Sadlly on XXXX they reveresed their decision and took the monies back stating XXXX XXXX had produced a signed receipt ( which I have never done ) I told the agent she swiped my card on a square card thru her phone and I never signed anything now was i given a receipt ( I know XXXX XXXX as a long time acquaintance and have bought from her in the past ) this reversal of monies overdrew my account and US bank charged me {$140.00} in fees. I was devasted that my bank could do this after giving me a letter telling me the fraudulent credit was permanent. I called US Bank and was told the reolution agent would call me on XXXX and they would aslo send me the receipt all of which I have not received nor has anyone ever called me. I have walked into the US Bank office on XXXX XXXX XXXX XXXX XXXX and spoke with the bank manangerXXXX and explained all to her. She was to investigate and offer me another credit. XXXX did pay me with a cashiers check of {$800.00} issued thru her XXXX XXXX XXXX XXXX account thus the new balance owing me is {$890.00}. I asked XXXX to dispute this new balance and get me a provisional credit. to date Nothing has been done. I was back in her office on Monday XXXX XXXX and she informend me she was still working on it. Yet no one has reacehd out or returned my calls or emails, I went online and emailed customer service thru my account and emailed XXXX XXXX XXXX as well again on XXXX. I am not getting Anywhere and feel cheated and stolen from. I will also be filing a complaint on XXXX XXXX XXXX by XXXX who operates out of her home. I now have to labor this with small claims court as well. How can my bank issue me a credit tell me its permanent and then take it back? I want this resolved and my {$140.00} in fees reversed as well as a permanent credit for the remaining disputed fraud charges to my checking account of {$890.00} balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XXXX/XXXX/15 my husband and I attempted to make a purchase through my US Bank credit card for {$8000.00}. US Bank did not pay the {$8000.00} to the business. We were contacted within a few days by the business owner and we were told that US Bank did not pay the $ XXXX and that we needed to pay him. On XXXX/XXXX/15 we paid the $ XXXX by making a direct deposit to the business owner 's bank account. US Bank subsequently charged the $ XXXX to my credit card on XXXX/XXXX/15 after we had already paid the business owner. The business owner never received the $ XXXX from US Bank. After receiving my billing statement and realizing that US Bank charged me the $ XXXX, I called US Bank and disputed the charge. They told me I needed to provide verification that I had paid the $ XXXX. I provided the direct deposit receipt for $ XXXX showing that the money had been deposited into the business owner 's bank account. U.S. Bank has not removed the charge from my account and is now charging me interest and harassing me about payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
THIS REQUEST IS FOR U.S BANK N/A ( XXXX XXXX XXXX ) ONLY AND NOT FOR XXXX OR ANY OTHER COMPANY AFFILIATED WITH OUR NOTE, DEED OF TRUST OR GSR LOAN TRUST XXXX! 
FIRST ; WE REQUEST TO KNOW WHAT WAS THE DATE OUR NOTE/DEED OF TRUST WAS TRANSFERRED TO U.S BANK N/A, AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDER IN XXXX XXXX? SECOND ; WE REQUEST DOCUMENTATION ON THE INVESTOR WHO U.S BANK N/A PROVIDED THE CERTIFICATE TOO AT THE TIME OF TRANSFER? 
THIRD ; SINCE XXXX, WHICH CERTIFICATE HOLDER HAS U.S BANK N/A BEEN SENDING FUNDS TO FOR OUR PROPERTY/ASSET, HOW MUCH AND DATES PAYMENTS WERE MADE TO THE CERTIFICATE HOLDER?

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
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had inadvertently sent an overpayment to US Bank which I requested a check refund. Instead of honoring my request or inform me that they could n't, they sent the payment back to my XXXX which they ca n't find the refund. US bank has requested a trace number but it 's meaningless to the bill pay provider. Now I 'm out of {$680.00} due to US bank 's oversight and lack of due diligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an email from a Citibank branded Goodyear credit card saying I owe them an outstanding balance. I believe that is a fraud email since I do not have any Goodyear/Citibank branded credit card. See email paste below. 


CitiEmail XXXX EMAIL XXXX Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXXAlerting Service Credit Card - Minimum Payment Due AlertGoodyear Credit Account Card XXXX Balance : $ XXXX Due : $ XXXX Due Date : XXXXLast Payment Amount : $ XXXX a payment was already sent, please disregard this message. To make a payment, visit XXXX and use our Online Bill Payment service. It 's fast and easy. 

You may also use that address to modify your alerts. 

Please understand that we can not respond to individual messages through this email address. It is not secure and should not be used for credit card account related questions. 

This message is for informational purposes only. 

ABOUT THIS MESSAGEPlease do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00}

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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2017, an individual other than me - and XXXX without the authority to enact changes on my account - was able to walk into a local Chase bank branch and close an account that only I am authorized on, which the personal banker with whom that individual spoke confirmed to the credit card department that I was requesting closure of the account in question. 

I was made aware of the situation the very next day when, after logging into the account online, was notified the account had been closed without my knowledge. I have since requested restitution for this breach of the agreement that I signed with Chase as well as the breach in security and violation of federal regulations concerning Customer Identification Procedures and XXXX provisions. Apart from the immediate impact, I am very concerned about the lasting effects on my personal credit and security. 

To date, Chase bank 's response was that it is an internal problem and they would be happy to reopen the account. This is unacceptable due to the concerns outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank changed my billing address for my mortgage without notice and without my consent to an address that is NOT and never has been my address. Consequently I received no billings or statements of delinquency until I discovered the error and pointed it out to US Bank in XXXX 2015 while doing my taxes. I want all interest and penalties assessed as a result of their error refunded. Please note the property address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( an address which does NOT receive mail ). The correct mailing address is and always has been XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. 
The incorrect address the bank started using for me in XXXX was XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I presently have a credit card with XXXX XXXX in XXXX, Kansas at a fixed rate of 6.90 %. XXXX is no longer going to service the card, but instead is having the card serviced by Elan. I received a letter with the following clarification statement : " Will my interest rate change? 
No, your current rates and terms will transfer to your new account. '' Today I received a letter from Elan stating that the rate would be a 6.90 % variable rate. I have contacted both XXXX and Elan and both state that they can not do anything about that rate change. 
As there are a significant number of cardholders impacted by this change, and many will likely have similar rates, this is going to have a negative impact on a large number of consumers.

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 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened an account at International Bank of Commerce ( IBC ), XXXX XXXX the XX/XX/2015 in XXXX XXXX XXXX XXXX. I was informed that a credit card displaying the name of this bank, thru Elan Financial Sercives was mailed to my house in XXXX the next month. I did not ask nor authorize this line of credit to be opened. After speaking to the IBC I was told that I had to cancel the card, which I did before the end of the year. I reported it as fraud, and was told that reports from the credit agencies would be mailed to me. They were, to XXXX. 
I live in XXXX, I opened the bank account in XXXX, IBC has no banks in XXXX, but all this information was sent there. 
After speaking to IBC this month again, to find out why a line of credit was opened without my knowledge or authorization I was told that there are XXXX credit cards with different numbers, and presumably different lines of credit opened by Elan Financial. I have been given to case workers number who is open only the hours that I work, and after several calls has never answered my calls or returned my messages. I have no idea where the second card is, and do not know if additional lines of credit are being opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
My mortgage was sold from XXXX to XXXX Loan Servicing. I called twice this month when my normal payment was not deducted from my checking account. They said they are working on getting the change over completed and I would get a " welcome package '' I did not receive any further information until yesterday when they left me a voice mail telling me to make a payment. Now they want a {$10.00} late fee. XXXX has a phone number that is not answered by humans XXXX or XXXX. 
I do not know these people. They seem disorganized, poorly managed, and I believe fraudulently collecting additional fees and damaging our credit. This is not what I expect from a company that specializes in loan processing. 
Can you do anything with these people?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Recently, a representative with U.S. Bank National Association encouraged me to sign up for a feature that will cover any Debit/Check transactions, and still charge you the {$36.00}. They said whether or not the charges are actually covered, is up to the Bank 's discretion. And what I have found, is that the Bank actually covers only XXXX-XXXX % of those charges, thus setting up a system where they can be resubmitted by the Creditor to U.S. Bank so that I will be charged recurring {$36.00} fees. Furthermore, recently I made a trip and made XXXX-XXXX purchases with my Debit Card. At the time of purchase, all of these charges were covered by current funds in my account. But due to the 4th weekend, they delayed processing them for several days, and because I had a subsequent purchase after that fact, they ended up charging me about XXXX-XXXX {$36.00} Overdraft Fees. After speaking with a representative over the phone, They did reverse XXXX of the fees, but I was still left suspecting that U.S Bank National Association is manipulating the system and the time frame in which they cover charges, to maximize the number of NSF and Overdraft Fees they can charge a customer. This is illegal and criminal and should not be allowed to continue. I can imagine the Class Action against USBNA is going to be in the XXXX of $ 's.

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 2016-12-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX/Elan Services/Bank corp or whatever name they are using never once notified me that my credit card in XXXX, XXXX and XXXX had charges from XXXX, Florida on it to see if I made them or someone else was using the card.

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 2016-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am writing to request a justification for US Bank charging {$5.00} for me to make my mortgage payments online. Is it somehow more expensive for you to manage online payments than to process physical checks? I would think it is actually cheaper. I pay all of my bills online, and this is the only one that charges me for that " special privilege '' in 2016. I feel this is an unfair business practice and can not be justified with a business reason.

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 2017-01-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was charged {$170.00} in a foreign country by a travel agency under false pretenses. I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.

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