vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Purchased a vehicle in XXXX Texas. The dealer uses US Bank as XXXX of theirnew car loan lenders. I never received a welcome package so to speak with my account number and where to send payments. I actually had to go back to the dealer and ask the finance department to get the info I needed to make a payment which was due in five days. A 30 day time frame from the original purchase. Since I have an account with XXXX, that monitors my credit, I got an alert as to the new purchase and wanting to know if I had originated the loan or not. During the set up of my account on US Bank website, it was noted that my address was incorrect, my name was spelled wrong twice, giving me XXXX new aliases and a new address that I never lived at reported to all XXXX credit bureaus. After contacting US Bank customer service, their reply to my situationwas to give me phone numbers to the credit bureaus, which I could call to dispute the erroneous information, which they caused and created due to complete carelessness on their part. I just wish I had another XXXX of moving this loan to someone who cares about customer service. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I set up the credit card for auto pay. The user interface at the Web site ensured me that the card was set up for AutoPay for entire balance each month the card became due. Attempts to pay the balance were met with the Web site warning " Your account is currently set up for AutoPay ''. The card issuer did not process the AutoPay payment claiming they do n't do it the very first month it 's set up, which resulted in late fees and interest charges I specifically wanted to avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I frequently purchase XXXX gift cards from my local grocer. These cards are issued by US Bank. Recently I had a total of 6 cards that were " compromised '' within a day of me purchasing them. I always examine the packaging, so I know this was not a case of them being tampered with in the store. This has happened to me and others many times, as the sequence is laughably weak on these gift cards. The security measures to prevent people from brute forcing card numbers is nonexistent. All of my cards which were compromised shared 12 out of 16 numbers, in some cases 13 or 14 numbers were shared. 

When these cards are compromised, the process is fairly easy ( I guess because they 're used to dealing with it happening ) to " lock '' the card so no further fraudulent transactions can be made. The process for asking for a replacement card is much more tedious, and can take months to complete. Not only that, when you receive your replacement card, it will have {$6.00} taken off of it as a " fee ''. This is not acceptable in my opinion, and borderline fraudulent. They reap probably millions in fees because they do n't take the necessary precautions against people obtaining and being able to guess their card sequencing. 

For this reason, I have opted to pursue a resolution to my compromised cards through the CFPB rather than reaching out to U.S. bank and waiting for months to receive less than I originally paid for on my cards. I am attaching scans of the cards and receipts where they were purchased by me. Please reach out to me if you have a need for further information. I am expecting a total of {$3000.00} in replacement cards from U.S. Bank and any less is not acceptable. 

It is my hope that with complaints like this, they will see the flaws in their security and having to answer for these flaws will prompt change in their process. 

Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: PR

Complaint narrative:
My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
In XXXX 2013, Residential Credit Solutions took over my mortgage from XXXX. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have even made a complaint with the XXXX. The company 's website does not allow me to pay the extra principle without incurring additional fees. When the company does respond to my written complaints, it takes them nearly two months to respond. This nightmare has been going on for more than two years. I have kept all of my correspondence with this company and I have scanned all the checks and letters that I have sent them. I would like some one with authority to end this company 's abusive and endless tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Creditor Elan Financial pulled XXXX separate hard inquires on my credit account for the same application. I had requested a joint account with my spouse, which I understand would draw XXXX hard credit pull on my account and XXXX hard credit pull on my spouses account. There showing that they pulled an " individual '' and " joint '' request which I did NOT request. I requested a joint account ONLY. There should not be XXXX hard credit pulls on my individual 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 non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I need to file a formal complaint regarding my XX/XX/XXXX credit card statement from US Bank. I was incorrectly charged interest of {$100.00} on this statement. I had a 0 % purchase transaction balance on this card which expired in XX/XX/2017, which I made a payment of {$8600.00} on XX/XX/XXXX to fully pay off. However, US Bank applied this payment to my 0 % balance transfer balance, which does not expire until XX/XX/XXXX. This is an Unfair and Deceptive Act and Practice. I am requesting that US Bank refund the interest charge of {$100.00} and reinstate the 0 % rate on my balance transfer remaining balance until XX/XX/XXXX. Please call me at XXXX if you have any questions. 
I already tried to resolve this with US Bank by sending them a secure email while logged into my US Bank online account. However, instead of processing the complaint, they sent me the following ridiculous message : " While we look forward to being of service to you, unfortunately, we are unable to match the verification information in your request to what is listed on your account. '' Why would they be unable to verify my information when I was logged into my account to send them the complaint? This seems to me like they are just trying to AVOID processing complaints from their customers.

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 2015-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had a US Bank Educational Loan, in the amount of {$5000.00} ; of which I consolidated many years ago. I recently became aware of there being a remaining unpaid balance in the amount of {$230.00} that appears on my credit as a Charge Off. I contacted US Bank, attempting to resolve this matter. I explained to XXXX different representatives that this balance remaining was a result of a Consolidation error, and that US Bank never contacted me regarding this, but now that I am aware of this being on my Credit, I want to resolve, and I offered to pay the balance in full. However, I asked for them to remove/delete the negative reporting from my Credit Report, requesting that this no longer appeared as a Charge Off, if I was to pay the balance in full. US Bank Representatives told me that even if I were to pay the full balance, that they would not remove the negative reporting/Charge Off Status. It would just reflect a {$0.00} balance. Considering this was not an error on my part, but as a result of the Consolidation, I did not think this was a fair remedy. They told me to take my complaint to the Company that Consolidated for the error. I politely explained that another company would not be able to remedy the situation on behalf of US Bank, nor remedy my Credit Report. US Bank can easily see in their records that this was a Consolidation and paid off by another Lender, and that was never a balance I intended to ignore or not pay. I am offering to pay the balance in full, but I needed the account status updated to not reflect a Charge Off, and they are not willing to cooperate. In all actuality, this was not a Charge Off, because they are willing to still accept a payment there in their office, not another company. So it should not reflect Charge Off, if they still have the account with them, and are willing to accept a payment. Upon making the payment in full, US Bank should be willing to update as Paid/Closed account. I would like the CFPB to follow up on this matter, and the unfair Credit Reporting practices of US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX, 2015 - Called XXXX / US Bank Home mortgage because I discovered that additional/extra payments were being applied to future due payment, not towards additional principal. Spoke with XXXX to resolve, he advised that previous payments can not be changed and that I must send in paper checks or pay on their website ( allowing ACH ). Asked to escalate to management and was disconnected. Called back and spoke with multiple people : senior representative, XXXX ( ID ROM ), team lead, XXXX XXXX, XXXX ' manager, XXXX XXXX. Was advised they will reverse only future monthly payments towards additional principal and will not correct retroactively. 

XXXX XXXX, 2015 - Called back and spoke with XXXX. Informed them they only applied two extra payments towards additional principal and then reverted to future monthly payments. XXXX advised she will correct this and while putting me on hold the call was disconnected. 

It has been more than one year since I called them last XXXX. I do not know how long before that date my extra payments were not being applied towards additional principal. Despite calling them multiple times, the issue still still remains unresolved. I have even set up two monthly payments for different amounts per their request with the memo stating " additional principal payment, '' and yet my payments are being applied towards future due payments. This lack of correction on part of XXXX XXXX / US Bank Home Mortgage is costing me a lot of money every month and making them a lot of money every 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 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX called my place of employment twice. First was on Friday XX/XX/XXXX and the second was on Monday XX/XX/XXXX. The third time they called me on my cell phone on Monday XX/XX/XXXX Both times there was an automated recording that was left on my work voicemail stating " This massage is intended for XXXX, Im contacting you from the XXXX, I received an order for you, It looks like two charges pending. Now, unfortunately because I am unable to reach by phone, I will be actively pursuing you at your place of employment and your resident. You have the right to contact the client to resolve this matter voluntarily. Understand, when you are located, you forfeit that right. Your case number is XXXX. You can reach the office at COB XXXX. '' They called me again today at work and I finally decided to speak to the person in regards to this matter and why they kept calling my work number. 

The gentleman was completely rude and kept interrupting me every time I spoke. More like, trying to intimidate me. He then asked if I have been served with any type of documents and this debt is from US Bank. 
I tried to tell him that I havent been with US Bank for several years ( XX/XX/XXXX or XX/XX/XXXX ). As I was trying to speak he interrupted me again saying that I was going to served and sued and they will be contacting my employer in regards to this matter if I dont pay them. He continued his threats of suing me and also said that I would be charged with fraud and I 've committed a crime. I could n't take the threats any longer so I hung up the phone.

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 2015-06-16 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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:
CFPB COMPLAINT # : XXXX US Bank Mortgage my name is XXXX XXXX and ref. to the said above complaint # I have called and talked to a CFPB representative named XXXX on XXXX/XXXX/2016 to help me resolve the issue with US Bank, she has told me she will mail me documents that were received from US Bank, but as of today XXXX/XXXX/2016 I have not received them. Please do not close my case yet because I need to know which month in which year US Bank is claiming that did not received mortgage payment on my property? so I can prove US Bank with a copy of the cashier check that was issued, received and stamped by US Bank on that month. I called US Bank but unfortunately no respond, applied for a loan modification but again no respond yet. Please review this case and help me to get requested documents from US Bank on mortgage of my property at XXXX XXXX XXXX, XXXX, Ca XXXX My phone # ( XXXX ) XXXX Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a XXXX gift card from XXXX for {$500.00} - I was unable to use it and I called the number on the back of the card and they said that it was not activated. The gift card representative told me to fax information on the front and back of the card, as well as any receipts. I faxed this information to the gift card company on XXXX. This morning, on XXXX, I logged onto the gift card management website at XXXX and found that all of the funds from the gift card have been used with the following retailer : PURCHASE XXXX XXXX # XXXX XXXX CA XXXX ''. I did not make this purchase - I would like to obtain some kind of refund of the {$500.00}.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday XXXX XXXX I was told it would be taken care of right away, I called back on the XXXX because it was taken care of, I talked with a manager and we did a XXXX way call to verify with my bank that the money was in fact taken out twice, I was told it was a XXXX3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there, she said she would call herself to make sure this is rushed being it was {$12000.00} that was taken out. She then called me back after talking to someone and told me the money would be back in my account Thursday or if not then then for sure by Friday. Well Friday came and went and still no repayment of the extra {$12000.00} they took from my checking account because of a computer glitch on their end. I called customer service again on Friday and talked to another manager. I was then again told oh we are very sorry but it does n't look like the person you talked to on wed. Noted on the account that he already verified the money was taken out so we will have to do that again and we do n't work on the weekend so we will have to do that on Monday. And after they do that on Monday it will then be another XXXX3 days to process. Well it is not XXXX XXXX and I am still waiting for my {$12000.00}. The manager did call on Monday saying it was out of the XXXX department now I just have to wait for them to submit for the refund. I asked them what they are willing to do to make this right because they stole over {$12000.00} out of my account and refused to put it right back in. They said they are willing to give me a {$75.00} credit and a sorry. I told them {$75.00} does not cover the size of mistake they made and the stress it caused me of going a week missing {$12000.00}. They were not willing to do another more and said I could send a letter to take it further. I have never received such horrible customer service regarding a mistake that there company made. I should never have to wait over a week to get money that was wrongly taken from my account especially when it was such a large amount. I feel this was very criminal on their end and they need to do something much more then give me {$75.00} to correct their issue. If I would n't have been lucky enough to be able to pull money from a different account to cover their mistake I could have had many payments and things bounce back because my account would have been negitive and would not have had any funds to even live off of. Luckily I just sold my condo and had some extra money to still live on for the week.

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