vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
- I am being pursued by U S Bank for fraudulent credit card charges - I reported the credit card charges to both the police and U S Bank as fraudulent - U S Bank will not stop calling or threatening me even though I have asked them to stop - On XXXX/XXXX/16 I filed a complaint with the CFPB - On XXXX/XXXX/16 I received a call from XXXX XXXX in the U S Bank Fraud Department XXXX XXXX XXXX ). XXXX told me that all CFPB complaints are sent directly to the president of U S Bank and that the bank president had contacted XXXX regarding the complaint. 
- On XXXX/XXXX/16 at XXXX I received another harassing phone call from the U S Bank collection department XXXX I explained the fraud issue to the collector XXXX XXXX XXXX ; directed him to XXXX in the fraud department ; asked him to stop calling me ; reminded him of my rights under the consumer protection laws. All that XXXX would say is that I needed to fill out a form if I wanted the bank to stop calling me. 
- This is the XXXX such phone call I have received from the bank since XXXX/XXXX/16. I have explained the fraud issue each time. Several times I was placed on hold while my call was transferred to the fraud department for further handling but, each time, after an extended hold period, I was disconnected. 
- I have provided the bank with a standard fraud affidavit ; a copy of the police report ; and all details that I have with respect to the fraud ( in writing ). The fraud was perpetrated by my ex-husband and I even provided U S Bank with his name address and phone number. 
- The bank failed to perform adequate due diligence to confirm the identity of the applicant. Consequently, the bank opened an account based on false information and is now faced with the consequences of their failure to know their customer. 
- The bank 's failure to adequately vet an application for credit or follow industry " know your customer '' due diligence does not entitle them to pursue me, the victim, for debt I did not request, create or even have knowledge of until a few weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello! My name is XXXX XXXX and U have a credit cash rewards card with US bank and I earned XXXX $ rewards card on XX/XX/XXXX and I never got it! Placed a multiple calls in XX/XX/XXXX, then in XX/XX/XXXX - hours on hold ... get transfers to differend departments and it seemed like nobody new what was going on. Finally got a call from supervisor 2 weeks ago and as per supervisor I would receive my replacement card within 7-14 days. Today is 15th day and I am in the Bank ( 1.5 hours!!! ) to find out if my replacement card was sent and same story - no one know what is going on!!! The card was n't sent to me, and nobody has an answer why. I am in the bank and they gave me a phone, I am on hold again ( XXXX person ) and I have to explain to each one over over hat happened, It 's so crazy! I am tired and I want to cry!!! I lost any trust to this bank and want to ivastigate what is going on in this bank, because all this way to fishy ... Thank you!

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 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My bank is authorizing an electronic transfer to an insurance company every 3 months. The insurance was free for 1 year for opening a checking account. The insurance is not needed and not wanted. I called the bank in XXXX 2015 and told them to remove the automatic deduction and was assured it would be taken care of. The same transfer just occurred again, XXXX/XXXX/15. The Bank is unresponsive referring me to the insurance company. I tried to phone the insurance co. in XXXX. I was put in a wait system and then was disconnected. This problem is on the internet - many are having the same problem. 
The transaction involves the XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX is the payee on my bank transaction information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
The letter sent to ELAN XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting XXXX, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through ELAN 's XXXX Disputes Dept, but no corrections have been made to my credit file. 


ELAN Financial ServicesXXXX DisputesXXXX XXXX XXXX XXXX XXXX MO XXXXRe XXXXDear ELAN Financial Services XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 


I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a ZERO balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first XX/XX/XXXX You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 


Please verify and update the following incorrect information in my credit file : past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 


Thank you for your cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX my wife and I went into the XXXX, IL. branch of US Bank to transfer out two IRA 's to another bank, each IRA had matured on XX/XX/XXXX. At the time of the transfer the assistant manager processing the paperwork reduced the amount of each IRA by {$30.00} as a fee. We had brought all our IRA paperwork with us to the branch and asked the agent to show us where this fee was disclosed. After looking through all the IRA paperwork the assistant manager XXXX called an internal US Bank support line for help. After the call he provided us a " Consumer Pricing Information '' brochure ( printing XX/XX/2016 ) showing a transfer fee. We opened the IRA 's 5 years prior and were not given any fee information for the future, and there was no mention of any fee until we tried to access our money. We did asked to have the fees waived but were told only the manager ( XXXX ) could do that and was not available that day. We also called the US Bank 24 hour banking line the following Monday ( XX/XX/XXXX ) who referred us back to the bank branch we had already visited. I also called the branch the same day and spoke to the branch manager ( XX/XX/XXXX ) who could not help us in refunding the fee. The attached support documents only discuss early termination fees and nothing about transfers at maturity. Attached please find a copy of all IRA documents ( note : wifes IRA is identical in terms, dates, and fees, I can provide these if necessary ) This practice seems predatory in nature as we were not informed of the fees, never signed anything acknowledging the fees, and are charged this {$30.00} fee on each and every IRA account.

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 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was called out of state for a family emergency and left on XXXX/XXXX/15. I left my landlord a 30 day notice in order to move to a new rental house and half of XXXX 2015 rent ( with instructions to deposit on XXXX/XXXX/15, IF I had not been able to return and submit in person. ) I left on my trip and unfortunately my landlord deposited the check left for him on XXXX. This resulted in over {$500.00} overdraft charges for less than {$200.00} spent on incidentals on my trip. My autodeposit of {$470.00} ( received XXXX ) was all applied toward fees. My friend deposited {$160.00} into my savings account ( upon my discovering the negative balance by surprise on XXXX ) for me to live on until months ' end. That too (! ) was immediately applied to late/overage charges even though I did not KNOWINGLY have Overdraft Protection from Savings established with my checking account. Had I known that was a likelihood, I would have requested my friend send $ via XXXX XXXX or a XXXX XXXX XXXX Option. I contacted my local branch and even with an end-of-the-monthgood faith deposit pending of {$1700.00} set up for auto-deposit, none of the ( excessive! ) fees were waived. I was left XXXX until months ' end and now my work paychecks will be " docked '' ANOTHER - {$400.00} to cover MORE overdraft charges that have mounted. The move to a new residence is having to be delayed and overdraft charges are now amounting to - {$800.00} plus. The US Bank in XXXX, KY was unwilling to forgive any of the " account bleeding '' even though the situation was explained and the date on the check deposited was starred and circled to try to prevent anything like this from happening. The stress and angst from the whole situation has been awful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I paid my US Bank Line of credit off XX/XX/2016 and the lien was never re-conveyed from my property. I am trying to refinance my home and this US Bank lien is causing a " BIG '' issue and delaying the closing.

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: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Last year I accepted XXXX balance transfers from my XXXX credit card administered by US Bank. The promotional 0 % rate was to end with the XXXX 2015 statement which closed on XXXX XXXX, 2015 - at which point the interest rate would increase to 17.99 %. On the XX/XX/XXXX statement the remaining balances were listed as {$410.00}, {$1400.00}, and {$1300.00}. 

On XXXX XXXX and XXXX XXXX I paid {$1600.00} and {$1000.00} respectively to US Bank in order to decrease the amount that would be charged the high rate, believing that after the minimum payment was met the additional amount would be credited to the highest rate balances. 

On the XXXX 2015 statement I found that the {$2600.00} had been credited to other balances with 0 % rates. There were interest charges totaling {$51.00} on the XXXX balances in question whose interest rate had increased from 0 % to 17.99 %. Nothing had gone towards paying off these balances. 

On XXXX XXXX I called US bank. Both the initial customer service representative and her supervisor told me that the {$2600.00} had been paid too soon as the 17.99 % interest rate would not kick in until the XX/XX/XXXX statement and that there was nothing they could do to help me. I do not see how this can be correct as there was already a {$51.00} interest charge on these balances. I asked to speak to a Manager and was told that one would contact me, but no one has called. 

Could you please help me resolve this issue. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I applied for the U.S. Bank FlexPerks Travel Rewards Visa Card during their XXXX Visa XXXX Bonus FlexPoints promotional offer, which was for a bonus XXXX " FlexPoints ''. The only requirements to meet this bonus were to open the account before XX/XX/XXXX and make one purchase by XX/XX/2016. After allowing the 6-8 weeks stated in the terms and conditions for the bonus points to be credited and still not having received them, I followed up with U.S. Bank on the status of my bonus points. They stated that they needed more documentation from me requesting verification of the promotion in question. On XX/XX/XXXX, I faxed in all of their requested documentation, as well as my backup documents showing I had met the requirements outlined in the terms and conditions of the offer to receive the bonus. After following up again about the status of my bonus points on XX/XX/XXXX by phone, a supervisor named XXXX stated that U.S. Bank would not be able to credit me the XXXX " FlexPoints '' because I had used the wrong application link when applying for the card. This is simply factually not true, as I had even gone the length of capturing the webpage I had used to apply, proving it. This screen capture was also included in the documentation I had faxed on XX/XX/XXXX. I have attached all of our written correspondence, including the documentation I had faxed, which clearly shows I : 1. Applied using the correct link ; 2. Satisfied all requirements to receive the bonus points ; 3. Gave sufficient opportunity to resolve the issue timely and amicably.

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 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
[ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
US BANK! On XXXX/XXXX/XXXX I made a purchase for XXXX. This brought my account balance to XXXX. On XXXX/XXXX/XXXX the bank charged their monthly fee causing the account to go -XXXX balance. 
Three days later the bank states the purchased from XXXX/XXXX/XXXX was processed and charged an over NSF fee if XXXX. I feel this is wrong due to it was a bank fee that over drafted the account. There was no other balance change when the NSF fee was added. 
I feel this is the bank charging a NSF fee for their bank fee which is wrong. Also I was never made aware my account did not meet the requirements and would be charged a monthy fee. The bank has told me this could change ever month. Too confusing for customer 's to keep up with.

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 2015-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX XXXX, 2015 I tried to initiate a payoff of my Auto Loan on US Bank website. I entered the amount in the box on the bottom that said " other amount ''. I entered the entire payoff of my vehicle along with my banking information and clicked " submit ''. I was met with a screen that said " unable to process your request online, Please call ''. I called the XXXX number to speak with a representative. They advised me that such a large payment ( approx. {$25000.00} ) could not be paid online and that I would have to mail them a check. She provided me with the address and I sent them a check. Well Monday XXXX XXXX, 2015 comes around and I check my banking statement. Low and behold that payment that I attempted to make online XXXX/XXXX/2015 was processed and taken from my bank account. US Bank online banking webpage never gave me a confirmation number or indication that a payment was accepted. That fact that the only thing the US Bank website told me was " unable to process your request online, please call '' tells me that the payment was not made. US Bank website does not offer a way to view pending payments made online, no email notifications are sent, and their is no way to cancel a payment you have made online even before it is processed. Since I sent a check through my XXXX XXXX account online bill pay that was delivered XXXX XXXX, 2015 my account was overdrawn due to the lack of information on US Bank website advising me a payment was processed when the fact is that its website clearly told me it was unable to process my payment. I have encountered fees for payments that could not clear due to the incompetent website US Bank provides its customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money

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