vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. 
On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. 
I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..

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 2016-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX/XXXX/16 I contacted US Bank to request payofff amount for my US Bank HELOC. On XXXX/XXXX/16 sent check via USPS Certified Mail for payoff amount as of XXXX/XXXX/16. USPS shows check delivered on XXXX/XXXX/16. Check not cashed as of XXXX/XXXX/16, called to inquire, was told checks take 3-5 days to process, would not be charged the per diem ( {$16.00} ) for the processing time, account would be {$16.00} each day for the 2 late days ( payment was sent for payoff as of XXXX, but USPS Certified Tracking shows delivery on XXXX ). As of XXXX/XXXX/16, check still not cashed. Called to inquire evening of XXXX/XXXX/16. Was told check was submitted for incorrect amount ; check had been returned to me in mail that day. US Bank held the payoff check from XXXX through XXXX, never tried to contact me. US Bank claims the per diem of {$16.00} is owed for each day they held the payoff check ( XXXX x 9 days between XXXX and XXXX ). Check was written for payoff date of XXXX, and I should pay {$16.00} per diem for the 2 days after payment was made. It appears US Bank deemed the check to be insufficient to pay off the loan ; did not submit the check for payment ; held the check for 9 days without contacting me, all in an effort to hinder paying the loan off in order to continue collecting the {$16.00} per diem. This action is underhanded and should not be allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX. This complaint represents a new complaint against US Bank. This focuses on the XXXX XXXX District Manager of US Bank, XXXX XXXX, for actions that seek to discriminate against me as a XXXX person. 

A prior complaint was filed XXXX XXXX XXXX against the XXXX Branch of US bank for refusal to accommodate my XXXX when XXXX tellers refused to help me complete a deposit slip despite my pleading with them for help and their mocking, shaming, belittling and embarrassing me ( teller even mocked me saying " oh I have pain toooooo '' ) in front of bank staff and patrons. After a phone conversation the next day with the branch manager, the situation was turned over to XXXX XXXX to handle. 

2. This complaint arises from a separate incident on or around XXXX XXXX XXXX in which XXXX XXXX states he has no plan to take any disciplinary action against either teller or the branch manager for their refusal to accommodate my XXXX, rather his plan is to " move forward '' to which he explains that he wants me to return to patronizing the bank by asking for either the same teller name XXXX or for the branch manager to wait on me. He also verbally refused to take any of my solutions into consideration including a simple apology from the tellers. When I told him that it is traumatic, inconvenient and discriminating for me to have to deal with the same people and to have only them wait on me, he said that I need to move forward and try to work with the situation. When I asked him if he did any XXXX training with any of the staff or if he planned to, he said it was not necessary. He refused to listen to me further and said he needed to go. I told him I was not happy with this as a solution - however in the prior complaint he falsely claimed that I was ok with what he proposed. I am NOT ok with him continuing a new discrimination against me and having me being treated differently than other customers going into the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I worked with US Bank to secure financing for a condo XXXX. I worked with XXXX XXXX at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor XXXX XXXX XXXX, it all went down hill. Due to US Banks extremely high closing costs, I reached out to XXXX to update the amount of my down payment, so I could free up cash for closing cost. XXXX informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, XXXX was persistent that I pay for an appraisal BEFORE their 'internal ' condo approval board even said that the place was ok to extend lending. I was able to catch this and refused, saying we needed to wait for US Bank to approve the condo 's XXXX financials. XXXX was extremely pushy and said that we would not make the closing date if I did not pay for the appraisal. I said that was fine and worked with the sellers. 

At this point, XXXX informs me that they need to run my credit again under my married name. So they do a hard hit not once, but twice because she could not do her job right to begin with. 

What is the worst part is that after I had written confirmation from XXXX that $ XXXX down payment would be fine for the loan, US Bank called to request that I pay an application fee. After I paid the {$390.00} application fee, US Bank informed me that I needed to come up with $ XXXX more for closing. At this point I am completely dumbfounded. Not only do I never get complete answers from US Bank, they systematically lied to me throughout the entire process. If I would not have caught the appraisal that XXXX XXXX was pushing on me, I would be out close to {$900.00}. Instead, I am out {$390.00} that was charged to my US Bank credit card ( so much for loyalty, right!? ) Needless to say, I was I have loan approval through another lender and I am closing on my place on XXXX, with a lower interest rate. I was able to easily secure financing without the incompetence of XXXX XXXX and the rest of the people at US Bank. It was complete night and day between my new lender and US Bank as far as keeping me informed and making sure I understood the process and what I was paying for. US Bank made it clear that they just wanted my money-so enjoy the {$390.00} application fee you should have never accepted US Bank. Needless to say, I will be closing all my accounts soon.

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 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: U.S. BANCORP
State: WI

Complaint narrative:
US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.

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: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. BANCORP
State: KS

Complaint narrative:
I was contacted by garrettson financial services and was informed that i was being sued by u.s. bank for overdraft fees from 5 years prior. This call was the first time i have heard anything about overdraft fees or a lawsuit. XXXX XXXX demands i pay the settlement with a down payment that is due within 24 hours or i will have my assets seized and my wages and taxes garnished for 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had a mortgage with US Bank since XX/XX/2012. I have always paid my monthly payment through my bank with electronic transfer. I have never had a late payment. About 5 months ago, when US Bank received the payment they posted it as principal only. Despite numerous phone calls on my part, and corrections made by US Bank, they continue to post every monthly payment as principal only. They then proceed to call several times a month to get the " late payment. '' This month I have talked to them twice, and both times I am told that they will change their system to show that the payment was exactly that ... my monthly payment. The person I talked to yesterday suggested that I make my payment so that US Bank receives it after the first of the month, rather than before. I just got yet another phone message, a recorded message, to call them again and be put on hold ... again.

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 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I would like to supplement my prior complaint against USBank with additional information. I believe that they have engaged in deceptive and misleading behaviour in regards to loan servicing of my construction loan. 

1. their communication that my loan would begin full amortization on XXXX/XXXX/17 would suggest that my full P & I payment would begin in XXXX 2017. However, they wanted PAYMENT of full P & I in XXXX 2017- which means that the amortization began in XXXX XXXX, 2017 -- and contrary to their representation. 
2. they have sent loan statements LATE and in a misleading fashion. I have attached their mailed notices -- please make note the postmark date as well as the amounts. With regard to the postmark dates -- they have violated servicing rules by sending notices for payment due on XXXX/XXXX/2017 on XXXX/XXXX/17. also, they have stated incorrect amounts. I just now received a loan statement for double the amount due.

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 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I made arrangements with Shermeta law firm in XXXX Michigan to pay XXXX $ a month. Every month I received a payment envelope and statement. Last month I did n't receive one. So no money was sent. They said they sent one. My account was garnished taking my car insurance and tax payment money. i think they did n't send me a statement on purpose. I wonder how many other people have had this problem. they said it was my fault and that I should have called them. I save every month so that I can pay my insurance bill in one payment. I would like that money returned. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again?

Company public response: Company 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: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had a USBank checking account. I have been keeping the account balance above {$1500.00} to avoid the service fee. When I decided to close the account last month, I transferred all the balance to another account outside USBank, and tried to inform them about my decision on closure via secure message. But I received their message back after several days, saying they can not close until I call them, and they already charged me a monthly fee of {$6.00}, making my account balance negative. I called them to close the account, and later I found the account was no longer in my online banking account, and I had no way to access it anymore, or pay the monthly fee. But today I received an email saying they are going to charge me {$25.00} per week overdraft fee, as well as a {$30.00} charge-off processing fee in XXXX. Also they are going to report this to consumer reporting agency. I think USBank is being ridiculous in this case. I informed them to close the account in the first place, but they did not, and charged me a monthly fee instead. Now they are saying I overdrafted the account because of they putting a unfounded monthly fee on my account, and they are going to charge me {$25.00} per week based on that, as well as a {$30.00} charge-off fee. Even if I intended to pay XXXX {$6.00}, I had no way to do so now since it is no longer in my online account. I want them to remove all these unreasonable fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I rented a car using my XXXX card. when I returned the card I paid with my US Bank card. 
I was then charged with a fee from my XXXX card for 1 day and a fee from my US Bank for XXXX. I reported the issue to US Bank. They returned the amount in 15 days. US Bank later reversed the charge and charged me XXXX again. They said they mailed a letter requesting addtional documents that I never received. Its been 15 days and Im still waiting to have the fee reversed from US Bank. I called and they said they have all my documents however nothing has 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 non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I recently opened an account with U.S. Bank here in XXXX, Arkansas. Since the opening of my account which has federal funds directly deposited monthly, I have observed the numerous overdraft charges. These fees ' have been compromised by banking errors. As it is known that banks can and will commit fraud by extracting funds from consumers accounts. Sometime these actions are noticed sometimes not. Thankfully, I am a type of person that pay close attention to all transactions that occur on my account. With this information my hope is that a member of C.F.P.B. will contact this bank namely ( U.S.Bank ) open an investigation to determine that fraud and unlawful activity has been noticed. Upon the completion of the investigation the funds will be refunded and I may move forward with perhaps a new financial institution. With hopes of obtaining more satisfying results.

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 2016-04-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage

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 2016-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.

Company response to consumer: Closed with explanation