vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a new checking account with US Bank in XXXX of this year. I opened this account as a result of a promotional email I received from US Bank. The email stated I was eligible to receive a signup bonus of {$150.00} for the account, after I completed a series of qualifying direct deposits. I completed all of the direct deposits, and confirmed this with the bank that I had satisfied the requirements. The bonus never arrived, and after I called the bank to inquire as to the status of the bonus, the bank informed me that the promo code was never attached to my account. I find this unacceptable, as I clicked the promotion link directly from the email I received from US Bank. The email clearly has the promo code in it also, but US Bank still refused to take that code, even though I clearly had it and had applied through the promo link. After opening this account, I also received email confirmation on XXXX XXXX directly from US Bank from XXXXXXXXXXXX, and in the email it was confirmed by this bank representative that the promo code was attached to my 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 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I 'm very upset at US Bank First while it 's charging me for it {$80.00} for paying child support with my child support is taken out my work check write a file on me and take you {$80.00} for no reason victim of fraud they take your time to reply back they ignore me for over 2 weeks I 'll tell me what 's up what 's going on with my account and then I put my checks are getting deposited in there right now I have to wait for my money and I have no but I know my car 's messed up in the shop all my bills are messed up and then I was getting past due and they wo n't tell me how to make my money and I 'm going nuts

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 2017-02-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was issued XXXX prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for XXXX XXXX. 

I received XXXX cards in the mail in XXXX XXXX. Card XXXX was supposed to be pre-loaded with {$20.00}. Card XXXX was supposed to be pre-loaded with {$40.00}. I have never received this {$60.00} in full. 

When the cards arrived, neither of them had the correct balance that I was told they would have. The card with {$20.00} was reduced down to {$0.00} due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in XXXX of XXXX. The card with {$40.00} was reduced down to {$30.00} due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in XXXX of XXXX. 

The phone operators I called to request assistance were of no help trying to explain why the cards were assessed fees before they were received or activated, and informed me that the fee schedule ( 13 months of no activity ) begins when the card is funded, not when the card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. 

I activated the card with {$30.00} on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at XXXX XXXX with a point of sale transaction, at a gas station, and with an online purchase on XXXX. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough -- I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. 

Despite four attempts to use the card in XXXX, the card was still assessed a {$2.00} " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a {$0.00} fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a {$1.00} fee to give you incorrect information. 

These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft.

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 2015-04-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I applied for the US Bank XXXX XXXX Visa card in XXXX of 2015. This resulted in a hard credit inquiry on my credit history, as well as paying the {$75.00} annual fee. After paying my annual fee I was supposed to have access to the " bonus award night exclusively for card members '' benefit. On XXXX XXXX 2015, less than XXXX months since I had initially applied for and received the credit card, I received an email stating that this benefit was being removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: IL

Complaint narrative:
I live in XXXX, my parents live in Florida. A week ago, my parents received a threatening call ( automated ) from # XXXX ( NP Group ) for me. I called the number and spoke to a woman. She claims I owe {$300.00} for a pay day loan taken out in 2010. The information she provided did n't add up. I looked up the number and see a lot of activity coming from this company the last few weeks. They are trying to scam lots of people. Here is the info on the company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX Registered Agent : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. 
Phones : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I have disputed this bogus account with the credit agencies in XX/XX/XXXX. At that time Midland confirmed the amounts were correct. In XX/XX/XXXX, I received a letter from attorney XXXX XXXX that apparently was retained by Midland, demanding payment for this bogus debt. I replied to this notice requesting further clarification. XXXX XXXX replied indicated that he filed a lawsuit against me - apparently because I asked for further clarification. State of Hawaii XXXX court records indicate that Midland filed suit number XXXX on XX/XX/XXXX. As well, Midland has made NO ATTEMPT to serve me with with bogus lawsuit in order for me to properly answer and submit my own discovery requests. Additionally, shortly after filing this lawsuit Midland has reported to the credit reports that I now owe {$1000.00} -an amount much greater than the {$630.00} they already confirmed due. This is in direct violation of FDCPA 808 ( 1 ). See attached screen shots.

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: FL

Complaint narrative:
On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank that could possible yield to any potential wrong doing on their behalf. Since U.S. Bank fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why U.S. Bank needed to confiscate all my belongings without returning them is due in part that U.S. Bank could not turn around and request the courts to issue an eviction notice when it was U.S. Bank 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 
With that being said, all evidence clearly indicates how U.S. Bank only contracted XXXX with the sole purpose in mind was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX emptied out my home I would be without a justifiable defense to refute any mortgage documentation presented by U.S. Bank as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent XXXX of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notaryXXXX, along with complaint ( s ) against XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by U.S. Bank were not documents prepared or presented for me to view and sign for at closing on the behalf of their notary [ XXXX ]. 
With that being said, I request for U.S. Bank, via the CFPB, to explain to me in detail why a ) did U.S. Bank intentionally and maliciously commit fraud by fabricating my loan documents with fraudalent signatures ; and b ) if U.S. Bank proclaims that they did not commit fraud by forging my signatures to mortgage documents for them to explain to me in detail the who, what, when, where of HOW U.S. Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing XXXX XXXX ] that contridicts documentation U.S. Bank presented as being a part of my " original '' loan packet!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Data Corporation
State: GA

Complaint narrative:
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XXXX/XXXX/2017 I attempted to pay my bill using a new checking account open in XXXX was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data XXXX. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I attempted to make a {$50.00} payment online using a XXXX prepaid gift card in the amount of {$100.00}. The payment drafted XXXX from my card, bringing the prepaid balance down to zero. I called the customer service line ( XXXX ) and spoke with a customer service representative who told me that I had to have swiped my card XXXX, and that I could n't dispute the charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My name is XXXX XXXX and I work at XXXX XXXX XXXX. I am writing this with XXXX XXXX who is a client of mine. XXXX is XXXX and has a difficult time understanding XXXX, so she has asked for me to help her. XXXX had some certificates of deposit with US Bank from XXXX that she wanted to withdraw. XXXX went to the US Bank locations in XXXX XXXX and XXXX XXXX XXXX. XXXX states that both locations did not help her or show her what happened to these funds. It is possible due to XXXX 's age that these funds have been withdrawn, however US Bank. When she went into the US Bank locations she was told they do not have record of those certificates. XXXX would like to see proof of what happened to these funds. Whether they were withdrawn or transfered, she believes that she should be shown a statement or some sort of proof instead of being told they do n't have those records. We did contact US Bank over the phone to inquire about this and were told that this information could only be completed in one of their offices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I have filed multiple complaints against Select Portfolio Services XXXX the most recent is case number XXXX ) and they refuse to even research the allegations against XXXX XXXX, the original lender. They state categorically that funds in my modification were not used to pay off XXXX Mortgage because there is no written record in the modification that XXXX did. 
I have requested and XXXX Mortgage is in the process of providing me documentatyion that XXXX did indeed pay off XXXX XXXX XXXX is to send me a copy of the bank wire from XXXX as well as the payoff letter that was faxed to XXXX, complete with XXXX 's fax number on it. 
I will provide this documentation as soon as I receive it from XXXX Mortgage, and it will prove that while XXXX was not listed as being paid off, funds from XXXX that were included in my modification were used to pay off XXXX. 
To assert that my loan balance increased over {$50000.00} due to accrued interest, etc is absurd in itself when the original loan was only around {$35000.00}! 
Again, I request that the CFPB requires SPS to do honest research and in doing so will see that what I am saying is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I was offered a HAMP T2 modification XX/XX/XXXX. My trial payements due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$210.00} with interest rate of 3.375 - 30yr term. All payments were made up until XX/XX/2015. I was told that I had completed all of the trial payments, when the lender stated that I needed flood insurance. I paid {$380.00} for flood insurance and faxed the documents to my lender. They later stated that I did not comply with sending a notice to borrower disclosure which was faxed with my proof of insurance. I have now reapplied however, the new offer is not affordable. The proposed payment is XXXX. This is unaffordable for me. My income is only XXXX/month.

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 2015-04-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a US Bank XXXX XXXX Visa member. I pay an annual fee They advertise a benefit on hotel stays when booking with their hotel rewards program and for being their Credit card customer. They changed the terms and will no longer offer the benefit of XXXX night free on hotel redemptionshttp XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Hello! 
Having an issue with mortgage lender, been treated unfairly with my loan amortization. Loan have been active for about 13 years or so in good standing. The type of loan I have is a fixed rate bi-weekly Conventional, periodically I 've made additional principal payment to reduce loan balance. Last year the loan crossed over to where more principal is paid than interest out of my bi-weekly payments. My last payment ( XX/XX/XXXX ) was not so, They took out more interest {$170.00} vs {$140.00} going to principal, last correct payment ( XX/XX/XXXX ) was {$160.00} going to principal and {$150.00} going to interest. Now after payment was electronically withdraw from my account on XX/XX/XXXX I made {$100.00} principal only payment, so after the additional payment was made that 's when the error occurred ; however, I took a look back in history and noticed that sometimes when I 've made additional Principal only payments the amortization payment schedule seems to go back into interest column, like their still collecting interest that I 'm eliminating from the extra payments. When I last called to get explanation, they claim my account was short, but how could that be when for the life of this loan ALL payments have been deducted from my checking account without fail every two weeks. I keep track of all my payments to Citi-mortgage and it appears something is wrong, sense I 've been calling they made many changes to the amortization payment schedule and I 've made copies. Usury laws are in place to protect consumers and I think citi mortgage is in violation by prolonging my efforts to pay them off. FYI was only able to pull payment history for last two years, could n't pull history past 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 with explanation