vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I went into a US Bank banking center to make a payment on my auto loan. The teller put the payment toward my XXXX account with them instead, even after verifying the amount of the auto loan payment. About a week later I got a call from US Bank asking when I could make a payment on my auto loan and that I was now delinquent. I went back to the branch where I made the payment and took my receipt with me. They searched but could not find where the payment was posted, but said they would try to find it and fix their wrongdoing. I have been to XXXX branch locations now over the past three weeks and even though they found the payment posted to my XXXX account they still have not corrected the mistake. It has now been over 30 days and the delinquent calls keep coming in and they claim it is being reported to my credit.

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 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
U.S. Bank has done this to me MANY of times. they charge me Overdraft Fee 's for transactions already completed. they try and show you a way that makes it seem like it 's all legit but it 's not. they did n't have to cover anything I bought with their money. it was all mine but because " how there system works '' they keep charging me these ridiculous fee 's. i am currently negative {$140.00} in the bank because they charged me XXXX, {$36.00} fee 's. XXXX= {$140.00}. Without the fee 's I would have almost {$4.00} extra. they tried telling me because I was negative in my account on XX/XX/XXXX, but I was n't. I was negative on XX/XX/XXXX for about half hour. they say if the negative balance is paid before end of the day we wont get a overdraft fee. well fast forward to about an hour and out of no where i 'm getting XXXX overdraft fee 's for things that have already been " completed transaction '' with a positive balance after. it amazes me that they can just go in and make us pay an overdraft fee for things that are not even pending and have been paid with money to spare. they tried telling me it was negative but can not prove it to me. not one in the print out they gave me does it show that my account was ever negative. I check my account every day. it 's just how they decided they want to take the charges out. so it does n't matter when you buy something, it matters how much. I have had 2 people confirm this to me. they do n't go off when you spend the money, but how much. so I spent money in my account because it said it was there, then something comes out that I forgot about and it 's more then what 's left in the available account so they take that out first even though it 's been pending a day and the others have been pending 4+ day 's. they take the high amount out first which makes me go negative and now they get to charge me for the other already pending charges on top of the new one. so instead of getting just XXXX overdraft charge they found a way to get XXXX or more out of me. they should take the money out, first in first out. not pick which ones they want to put through 1st. as soon as I can I will be closing my account and recommending to everyone to never trust or use them! went into 2 different branches to try to resolve this talked to 3 different people. only 1 out of the 3 were nice and generally concerned about my issues, they other two boys ... .. not so much, all they could tell me was " well, that 's the consequences of using money you do n't have '' SERIOUSLY? I used only the money I had, not one Penny was from them!

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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank the issuer of the XXXX XXXX XXXX XXXX XXXX and Small Business credit cards charges an annual fee for each on of their cards. I have both of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid both annual fees earlier this year that I would receive the XXXX night free, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX club XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX club XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
On Friday XXXX/XXXX/2015, my check account said that check # XXXX in the amount of {$50.00} was paid and that I had a balance of {$24.00}. Therefore I assumed that the check was paid as they listed it as being paid. Today XXXX/XXXX/2015 my account shows as being overdrawn. I was charged a fee of {$12.00} and had {$50.00} removed from my savings account. I have been with the bank U.S Bank for many years and my bank has never been misleading. I feel that I was misled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My auto loan service provider refuses to follow specific instructions regarding applying additional loan payments to the principal instead of next month 's payment. I have sent instructions via AutoPay from my bank and called to ask that my payments be applied to the principal, but that still has n't been done.

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 2015-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
I moved into a house from XX/XX/XXXX and moved out of the house XX/XX/XXXX. My land lady forward the washington gas bill with an established account servicing the house. I paid off XXXX XX/XX/XXXX and inform them i no longer reside at the residence since XXXX. i move on with my life. XX/XX/XXXX. XXXX XXXX sent my information to collection agency in the amount of over {$300.00} with a new established account number trying to make me to pay them for service i dont know anything about. 

I called XXXX XXXX and they said the reading meter for that high bill started XX/XX/XXXX and someone actually paid {$400.00} in to that account but still owe them. Clearly XXXX have information of a check name or creditor name that paid and owe them but i dont know why they are harassing me and they also told me they cant remove my name from the account because the landlord never assumed responsibility for the account when i left in XX/XX/XXXX. This is not true because the accounts numbers from when i lived there to this ridiculous charges are XXXX different account numbers. This is a fraud against consumer. A manipulation to make someone else pay for bills of another. 

i emailed the land lady to call washington gas more than once and she never returned my emails. 

In the nutshellmy duration at the serviced house was 2 months XX/XX/XXXX- XX/XX/XXXXi paid them XX/XX/XXXXsent them all the documentation of moveout and payment XX/XX/XXXX after harrasement phone calls. 

they sent collection agency to me XX/XX/XXXX with new establishedXXXX XXXX account number with my name listed on it. My previous account number was different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
My boyfriend and I have an account with US Bank for about 4 years. At first we were extremely satisfied and often told our friends and family how great our bank was. But in the last year or so, it has become increasingly noticeable how many fees we have been charged. After minimal research online, I found US Bank has a history of reordering transactions to maximize their own profits. Last month alone we accrued nearly 15 % in bank fees/charges when compared to our household income. And for this year we have been charged a total of {$2100.00}. In XXXX we decided to try a new bank that did n't have a reputation for immoral ( but apparently legal ) profiting strategies. We have yet to officially close out the account as we are still unsure about our new bank. Last month I wrote XXXX checks out of the US Bank account and transferred funds to cover what was overdrawn and also enough to cover XXXX of the checks and half of the other. But once again, the transactions were reordered, returned ( fee ), tried again, returned ( fee ), etc.. Until overdrawn ( fee ), returned, tried again, etc ... Now I have XXXX outstanding checks and an overdrawn account ( including extended overdraft fees ). I am shocked by US Banks behavior and feel taken advantage of.

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 2015-12-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Since XXXX of this year, I continue to be stalked and harassed severely enough for criminal prosecution by a party possibly living next door, who works for US Bank which has an office literally up the street in XXXX, IL. I had changed apartments to the current residential address a few months prior. In XXXX, some person at US Bank started modifying my US mailing address to change it to the prior one, which the attachment indicates is the case, and started sending out " XXXX '' like " hoots '' which continue to inflict severe disruption and thousands of dollars in damages and twist and turn, but in all cases, falsify claims to third persons, send me harassing US mail, phone, fax email etc, and assault my business and person wholescale like a XXXX now for nearly 90 days nonstop. 
US Bank continues to send out anonymous mail from several states, and in each case, never makes the same false claim XXXX, and continues to taunt and flaunt that it is just so high and mighty " that I can '' XXXX, but the issue is allegedly something like that and that the party at US Bank is royalty who " can ''. 
As per the attachments, the person running this public op at US Bank has continues to seek out methods to block terminating the damage infliction and harassment, currently removing all public services and contact nationally retaliating like this or worse every time I have worked through a mediator like CFPB or XXXX of MN. The person has lied to external parties including the CFPB and the XXXX of MN repeatedly in each instance. 
It has also lied about the continual change of my US mailing address by this person at US bank interfering with US mail as well. 
I am now required to not work with any US bank customers nationally by US Bank in retaliation for what they need public prosecution for and continues to taunt as being instead so publicly corrupt and powerful that they " can '' which is another problem that involves persons who are required by law to regulate and prosecute bank employees like this and who are clearly in their pockets and its still acting like in the pants of somebody involved who has created public abuse on the level of what they used to do to XXXX in XXXX area west of XXXX famous for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have called Fulton Bank 4 times over the last 6 months to close the credit card account of an estate for which I am the executor. Each time, I am told to provide the death certificate and proof that I am executor, and to call back a few weeks afterwards. Each time, I have faxed the requested documentation, and called 3 weeks later, only to be told that they do not have the documents. The last time, they said they got the death certificate but not the proof I am executor. I have faxed the Letters Testamentary from the Surrogate of XXXX County ( stating I am executor ) several times. I have had enough of their incompetence. Every other creditor has been easy to work with and closed the account/credited any interest since the deceased 's date of death. I have no idea why this company can not improve customer service for those who have lost a friend or family member.

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 2015-11-05 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:
On XXXX my account at US Bank was XXXX and some change. On Tuesday XXXX 2015 I was charged an extended overdraft fee of XXXX because my account was negative XXXX and some cents. So on that same day I deposited XXXX. To cover the overdraft fee because customer service stated they could not wave the fee. Today I now have another extended over draft fee XXXX/XXXX/15 with no explanation. Not to mention that I am enrolled in overdraft protection and have not made any transactions since XXXX This is insane!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
The gift card that I purchased has had fraudulent charges placed on it and I have lost nearly all of the value on the {$200.00} prepaid U.S. Bank MasterCard gift card that I purchased from Office Depot. I did not make the purchases and I still have possession of the card so I 'm not sure how these charges were even made.

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 2016-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have a checking account with US Bank that was fee-free if I kept {$5000.00} in a linked savings acct. In XX/XX/XXXX, they put a notification in the statement that if the savings amount was not raised to {$10000.00}, they would institute a $ XXXX monthly fee. I never saw this fine print. They never sent me an email and never confirmed that I received and agreed to this new fee. When I next looked at my statement, I had been charged {$15.00} a month for 6 months ( {$90.00} ). When I complained, they refunded {$45.00} but refused to refund the remaining {$45.00}, stating that I was lucky they even gave me {$45.00}, and they were only doing this as a " goodwill '' gesture. To surreptitiously add fees like this without positive opt-in from the customer or confirming that the customer was aware are typical underhanded methods of defrauding customers as long as it is technically legal. The whole reason I opened this account was to have a place to keep money for a non-profit corporation where there would not be much activity. Customers can not be expected to read all the fine print in every statement to avoid getting stuck with surreptitious fees. Their response was typically arrogant and condescending. I think US Bank should be held to account for their behavior. The law should be changed so that they have to have proof that the customer is aware before they can implement charges by fiat.

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 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My information was stolen from me I be having a hard time I 've been XXXX in my money I get Social Security benefits but Money 's been deducted out of my bank account which is was US Bank at that period of time and I filed a dispute on my transaction and noterized every single document but the thing was that US Bank supposed to grab me the money and when I called him the other day which was yesterday XXXX they said that that account does n't exist and they do n't see it but the thing is that you are the treasure your account with supplemental security deposit and how much money and a long. Of time when I was XXXX and I money just communicated in the account and I thought. Time when I got out of XXXX in XXXX I did file the dispute and I got granted but the thing is that you would think they would give me back my money and I 'm paying back everything back to the Social Security and now I 'm in the bed and I will secure a lot of money so I want to be able to get this information fix thank youXXXX

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 2015-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Campus Student Funding, LLC
State: CA

Complaint narrative:
I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX, an illegally anonymous individual at US Bank falsfied claims about a single {$330.00} check normally endorsed and deposited, processed 1x per the customer who provided copies of both sides of the check, and involved a business protected by the debt collections laws as a strategy the bank staff are not familiar with, who were served with a Cease and Desist almost the same day, and went on for {$15000.00} in damage infliction with mail fraud, wire fraud, accounting fraud, bank fraud, blocking the use of their names, sending anonymous letters from other states US Bank offices with return addresses in IL, and moving on to falsified claims about US mail addresses for another 5 months after this was shut down on CFPB, as persons continuing to claim that they can resurrect their not nuisance filing at this level of malevolent damage infliction meeting IL criteria for XXXX by the bank employee ( s ) personally, demanding their victims " live in the poverty '' like a XXXX. The bank sent out completely different false claims to every mediator, and openly conducted this dispute they refused to drop formally even via CFPB when they did for the criminal purpose of stalking the victim and inflicting severe egregious damage infliction while hiding names and sending junk from out of state calculating they can get away with it. It is necessary to forcibly expose them and shut them down now XX/XX/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
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My loan was transferred on XXXX XXXX 2015 from XXXX to us bank. 
On my last statement with caliber dated XXXX XXXX, 2015, my outstanding principal balance was {$540000.00}. That should be the amount outstanding when the loan transferred to us bank. 
but when it transferred on XXXX XXXX, it was {$540000.00}, which is {$1800.00} short, which is the additional principal payment that I made and that I am MISSING! 
and that {$1800.00} is not the same {$1800.00} applied as principal on XXXX XXXX, it is the {$1800.00} that I paid towards principal on XXXX XXXX TO XXXX XXXX XXXX prior to the loan transferring to US bank. i have all the proof and I will attach with this complaint. 
I already filed a complaint against XXXX, and this one goes to us bank, so they can track payment history and adjust my principal balance {$1800.00} that I am owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation