vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My IRS Tax refund in the amount of # XXXX Was deposited into a US Bank Checking Account # XXXX that does not belong to me. I learned of this through the trace that the Department of Treasury placed. I personally contacted US Bank XXXX XXXX and was informed by XXXX XXXX, Manager that the account number does not match my name or social security number. He added that the deposit is considered a third party check and can only be accepted by the approval of a supervisor since it is a liability. I have been trying to resolve this issue with US Bank and have been unsuccessful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
US Bank Mortgage is refusing to report my account to the credit bureaus indicating the reason they are not reporting the account is due to the statue of limitations related to Chapter XXXX Bankruptcy that was filed in error in XX/XX/XXXX. The Chapter XXXX bankruptcy was never confirmed and the case was closed due to the error. I did however file a Chapter XXXX Bankruptcy in XX/XX/XXXX that was paid in full and discharged in XX/XX/XXXX. MY US Bank mortgage account was reaffirmed and the account is still open and active. The account reported to the bureaus through XX/XX/XXXX however it was deleted at the request of US Bank in XX/XX/XXXX. I have made several request to reinstate reporting but US Bank is refusing. The account is being paid on time and I would like it to report to the credit bureaus. I receive monthly statements which reflect payments I make and can provide those If needed.

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 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My bank account had been appropriately set up to not incur a monthly fee on XXXX XXXX, 2016. Furthermore, at that same time I became aware that I was due a refund for prior years of monthly maintenance fees. US Bank sent me a response letter dated XXXX XXXX, 2016 with a pamphlet showing and supporting that I should not be charged a monthly fee. However, contrary to the advertising materials, and the accuracy of my account as of XXXX XXXX, 2016 ( rightfully placed into the XXXX Checking with no fee due to additional requirements met ), US Bank, on their own accord, switched my account back to a fee charging account. This action by US Bank is not supportive of their advertising materials, and is taking their own actions that are more advantageous to the bank and not in accordance with their written materials.

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 2015-03-30 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
XXXX in XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ph. XXXX gave me a auto-title loan on or around XXXX XXXX, XXXX and at the time I was XXXX ( as of XXXX XXXX, XXXX ), not receiving any XXXX then or since, or had no means at all to repay the auto-title loan. I did not have to provide any proof that I had a job or any means to repay the loan, only previous pay stubs from a job/employment that I was no longer affiliated with. We went through the paperwork so fast, all they said was sign here, here, here, here. The were out to process as many loans as they could. In XXXX XXXX, another refinance, and then in XXXX XXXX, they towed my XXXX XXXX XXXX, to get out of the pound, my neighbors and friends pooled together over {$550.00} to get my van back. Not only was I charged by XXXX for the tow bill, I also had to pay the tow company ( which I paid separately ) for the tow bill. XXXX billing. The amount of the original loan was only {$700.00} plus all these other charges which I was unaware of.. {$870.00} initially. They call my phone XXXX a day everyday wanting to take my only means of transportation with threatening messages that they are sending this to legal. I feel like I 've been violated. This company is TMX Finance in XXXX XXXX XXXX XXXX, GA XXXX as InstaLoan in XXXX, GA XXXX. I have contacted and filled out application for assistance from XXXX XXXX XXXX XXXX Florida on XXXX/XXXX/XXXX and gave them copies of all the loan paperwork, etc. that I have. I 'm still XXXX, XXXX, receiving XXXX, no unemployment, and have received no other income whatsoever before this action up through today. Please help me as I feel this entire business is crooked. My next step is to take this to the local newspapers for print.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
After losing my job XX/XX/XXXX, I had trouble paying my mortgage.I tried since XX/XX/XXXX or XX/XX/XXXX to get a loan modification with US BANK.Everytime they would keep asking for more information, sometimes duplicate.I always submitted it but it was never moved forward .Finally in XX/XX/XXXX or XX/XX/XXXX, I gave up on the modification and filed Ch XXXX bankruptcy XX/XX/XXXX.The loan with US BANK was not re-affirmed.On XX/XX/XXXX, I made a partial payment of XXXX to US BANK and re-applied for a loan modifcation.My bankruptcy was finished on XX/XX/XXXX.I have since been continually giving them updated info since XXXX XXXX spoke with XXXX XXXX on XX/XX/XXXX and he told me they reqiured yet addditional info! After recieving the new info, I e-mailed it to him on XXXX the same day, i was served with a summons about forclosure! No matter how much I give them, the modification never moves forward, even though they assure you it will! I am now on XX/XX/XXXX from my employer.I can make the mortgage payment ( preferably ) reduced, I just need help catching up on the arrears.I am desperately trying to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I purchased a visa master card at my local XXXX for XXXX dollars. My husband tried to use the card and it said declined. and I tired to use it too and it said declined, it was never activated. We called the number on the card and the lady was very rude and would n't listen to us. She said they thought it was fraudulent activity so it was canceled. It was canceled before we could use it. I even tried to get online and put my information in like the card said to do and it never let me. It said that the card number was incorrect. The rude lady on the phone said to fax a copy of our receipt and address and number and copy of the card to her, and that she did n't know when we could get the XXXX that we put on the card. It could take a week she said. So they took our money and do n't know when we will get it. What 's the point of a gift card if u ca n't even use it. They did n't seem to want to help and resolve the problem. She never said we would get our money back, I felt like we where given the run around. I feel like I was scammed. My husband got the money order to buy me wigs online because I 'm sick and have no hair because it fell out. And now I have to wait a week or more or may not even get the money back and have no wig to cover my bald head. I ca n't wait a week or afford to be ripped off. I 'm already sick and suffering.

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 2016-06-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a XXXX XXXX Rewards Visa card, issued by U.S. Bank on XXXX/XXXX/16. I filed a complaint ( # XXXX ) previously with the Consumer Financial Protection Bureau with regard to the incorrect assignment of reward points for XXXX In-Store transactions. Due to a computer programming error, the XXXX transactions were treated as though they were Out-of-Store transactions, resulting in XXXX fewer points earned during the XX/XX/XXXX statement period. The prior complaint has been resolved, and my XXXX 2016 Statement shows a " Rewards Adjustment '' of XXXX points. The Rewards Adjustment notation is listed on the statement, under the heading " Points Earned ''. 

The current complaint addresses a XXXX-point discrepancy regarding the # of Points Earned Year to Date. According to my XXXX 2016 Statement, I have XXXX Points Earned Year to Date. However, the U.S. Bank website shows a different value : XXXX Points Earned Year to Date. 

Let me describe where I see XXXX Points Earned Year to Date. Online, the screen titled " Rewards Center '' contains information about rewards. This information is positioned within a section titled " View and Redeem Rewards ''. Within the section " View and Redeem Rewards '', there is a more specific area titled " Rewards Details ''. It is there -- within the area " Rewards Details '' -- where I see XXXX Points Earned Year to Date. 

By using a simple mathematical calculation -- XXXX points ( on statement ) minus XXXX points ( online ) equals XXXX points -- a person can easily conclude that the XXXX-point discrepancy could be attributed to a computer programming error. Perhaps the computer system that conveys information online was not programmed to recognize a " Rewards Adjustment '' as being equivalent to " Points Earned ''. 

The XXXX-point disparity has an effect on whether I will receive my first XXXX Rewards Certificate. XXXX/U.S. Bank exchange XXXX earned points for XXXX Certificate ( worth {$5.00} ). If XXXX/U.S. Bank rely on the statement-generated computer system to determine if I meet the requirement ( XXXX earned points ), I would receive a Certificate. But, if they use the online-reporting computer system to determine if I meet the requirement, I would not receive a Certificate. 

XXXX/U.S. Bank need to reconcile the XXXX-point disparity as soon as possible. In my opinion, it is inappropriate and misleading to use the same descriptor ( i.e., Points Earned Year to Date ) for XXXX numbers that are not identical ( i.e., XXXX, XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank bumped up their overdraft fees on their checking accounts. At around the same time, they began marketing a US Bank Credit Card to customers to open so they can get a lower fee on any overdrafts if they were to occur. What a XXXX! You are bumping up the fees and then trying to get your customers to take out a line of credit they may not necessarily need. You need to stop using XXXX XXXX as your mentor.

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 2016-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Our home loan was in my husbands name only. He died in 2014. I kept up the payments as long as I could but had to sell the home in XXXX. After we closed, they sent an overage check for $ XXXX addressed to my dead husband after I had sent them multiple copies of his death certificate. Went to the local branch and they told me to send the check back and they would reissue in my name. They did not, they sent a letter telling me I need a copy of a filed and recorded executor document. I went to the county and they told me they could n't do that for me. I have sent US Bank a copy of the grant deed with my name on it and the interspousal grant deed that we both signed when we bought the house. US Bank said that want 's good enough.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I answered an email for at home work opportunity, posting links. I was quickly talked into setting up a business and paid {$9800.00} to begin. After several coaching sessions ( 30 min ) with assignments ( lining up products, etc ). I was asked to pay for a blog. I never made a penny out of this. They said they would also promote my website, increase my sales and traffic. I terminated my services after contacted by XXXX. All these companies were calling me offering an online related service and asking for 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 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: MI

Complaint narrative:
I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.

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 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
XXXX XXXX sent XXXX medical bills to collections. I do not owe any medical bills. I had full coverage insurance on all three bills. Medical foundation will not take responsibility for XXXX of the XXXX bills. I have proof that insurance information was sent over for XXXX of the bills. The XXXX bill the Dr. Office did not send over insurance information. My dispute was denied through the credit bureau. How do I make the XXXX XXXX take fault in their mistake? I 've reached out to a few professionals. One told me to pay the {$900.00}. The other one told me small claims. XXXX XXXX wants to charge me {$200.00} to erase the debt. Finally professional told me to gather all information from Dr. Office & XXXX an that I will be not be at fault if insurance was active, and covered the bills. The dispute will remain between the Dr. Office & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have an US Bank XXXX XXXX Premier Visa Signature Card. The agreement when I signed up for clearly said that get XXXX free night after paying {$75.00} FEE. The main reason I signed up for this card was the last night free benefit. However, U.S Bank & XXXX XXXX recently announced that their XXXX XXXX credit cards would be losing the last night free benefit after XX/XX/XXXX. I 'm really disappointed about this change. Is there anything that U.S Bank can do? I would like to get my annual fee refunded at least if it is possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Residential Credit Solutions, Inc.
State: MA

Complaint narrative:
We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have a mortgage through US Bank. Several months ago, due to my medical condition and other short term circumstances, I fell behind on my payments, during which time I submitted a loss mitigation package to give me temporary respite to get caught back up. US Bank had said they needed more information for my package ( specifically a written statement that I no longer had tenants ), but had not informed me of such. By the time I was informed, my loss mitigation package had already been dropped ( XXXX XXXX ). Now I am in danger of foreclosure. Additionally, I was told that when I submitted the required paperwork to my POC via email, the representative I spoke with told me it was n't their responsibility to check that the document was received, and had no knowledge of whether or not it was. Furthermore, I asked for protection under the SCRA, using all proper procedures, and had no response regarding that aspect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied for a US Bank credit card, co-branded with XXXX XXXX a few weeks ago. Just got the card a week ago and now they are stripping the most valuable benefit from this card. The benefit ( a free night on any reservation ) is still on their website and advertized to people who sign up. I find this extremely unethical and dishonest. All they offered to do is close the card, but my credit report has already been pulled and is now worse than it was before opening this card. In addition, while talking to them, their agents constantly lie and evade questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record.

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