vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This is in regards to my previous complaint XXXX I guess I am more disappointed by the response than the original issue. Here is my response to CFPB about your so called " resolution ''. 

The response just shows how tone deaf these guys are. They have not addressed any of the issues I mentioned. 

The incident I mentioned was just the beginning and not an isolated incident. I have tried a few other charges and nothing goes through. So basically they have given me a credit card which is not usable at all. 

And I asked a very specific question about how can I meet the {$500.00} spend criteria if they wo n't allow me to use the card. And this is how they respond. 

" Your correspondence also expressed concerns regarding the promotional offer that was provided to you at the time you applied for this account. Our records indicate that your account was established on XXXX XXXX, 2016, under a promotional offer which extended a {$150.00} rewards bonus after you spent {$500.00} in net purchases on your card within the first 90 days of the account opening. We understand that you were expecting to meet the spend requirement for this offer with the above referenced transaction at XXXX which ultimately was not Cardmember Service, XXXX. XXXX XXXX, XXXX, ND XXXX processed. Please be aware that you have until XXXX XXXX to fulfill the required spend amount of {$500.00} '' She has basically copy pasted the terms and conditions of the spend criteria. In what world and how does that answer the very specific question that how can I meet the spend criteria if you wo n't let me use the card at all?? This is just insulting that you get these kind of answers from their so called " Office of the President ''. 

To summarize, My card is still not usable at all, so that issue is not addressed I have no way to meet my spend criteria because of the above, so that issue is not addressed either. 

I guess I will keep filing more complaints till I get someone to actually respond. I have never encountered this kind of shameless behavior. i guess it was not just the customer service but the whole chain to the top is like that.

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 2017-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.

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 2015-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
I called the hotel, XXXX XXXX, possibly XX/XX/XXXX, to reserve a block of rooms for my son 's soccer team who was playing in a tournament in XXXX, MT on XX/XX/XXXX-XX/XX/2016. They gave me a block of XXXX non-smoking, double rooms for $ XXXX/night plus tax. The rate of the room was {$82.00} per night. When I made the reservation, they did ask for my credit card to " hold '' the rooms. In addition, we agreed that any unused/reserved rooms would be released on Friday, XX/XX/2016. I asked a couple of different times before hanging up with them that the unused rooms would be released so that they would be able to have them available for other customers. There was nothing in writing confirming this, only verbally from the clerk who took my reservation. 
I checked in to the XXXX XXXX on Friday, XX/XX/2016 for check out on Sunday, XX/XX/2016. At that time, the front desk clerks did not mention anything to me about possibly charging me for the unreserved rooms. In fact, nothing was mentioned about the unreserved rooms at that time. I paid for my room, XXXX, for the two nights for a total cost of {$160.00}. 
When I got back to the hotel after XXXX on Saturday, XX/XX/2016, a hotel clerk asked me if anyone has talked to me about the unreserved rooms and being charged for those unreserved rooms. I told her at the time that I was told XX/XX/XXXX, that any rooms not reserved by Friday, XX/XX/2016 were to be released. She said that she would talk to her manager and get back to me that night. No one contacted me for the rest of the night. 
When I was checking out Sunday, XX/XX/2016 no one said anything to me about charging me for the XXXX unreserved rooms. I believed that the issue was resolved and that the rooms that they wanted to charge me for were then used for the night of XX/XX/2016. 
The documentation that is listed under Case # XXXX is the amount that I agreed to pay in the amount of {$160.00} and you have the same copy I have for the receipt, registrations, and bill given to me when I checked in on Friday, XX/XX/2016 at XXXX. However, under the same case number, there is an additional charge for {$82.00} which I did not give permission to charge my credit card for that amount. 
When I further look at the documentation sent regarding this matter, the XXXX XXXX is using the credit card slip I did sign for in the amount of {$160.00} for room XXXX for the additional rooms. I did not give them permission to use the credit card for the other rooms. 
I have documentation from XXXX XXXX XXXX that the hotel gave to XXXX XXXX XXXX in where bills for various rooms that were unused by myself, but there are no signatures giving my consent to use my credit card for those other rooms. How am I able to send that additional documentation to you for review?

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 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was in for a modification and was denied due to failing the appraisal. I submitted a complaint to Hamp escalations and was told that i could not be modified as I was already under 31 % of my debt to housing income. I want US bank to rewrite my existing loan so that i can maintain home ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. BANCORP
State: GA

Complaint narrative:
A person contacted me from XXXX, named XXXX XXXX, saying that I owed a debt to US Bank for {$350.00} from 1998 but with interest it is now {$760.00}. I do not remember this debt but did file bankruptcy in 1998 so if I did have it, it was discharged. They continue to call me and threaten to keep calling until I pay them. They have been harassing me at my work phone number.

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 2015-09-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
Pulled credit report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I believe that I am being billed incorrectly or the payments are not being reported correctly. I have paid a past due amount of {$66.00} and I 'm still being billed for it. It is a negative reflect on my account. Also, I was told that my payments would be approx {$34.00} per month and I have been billed for more, in which they keep increasing the amount.

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 — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: CO

Complaint narrative:
Regarding Residential Credit Solutions ( RCS ), XXXX XXXX, Tx and XXXX XXXX XXXX, XXXX XXXX, SD. 

On XXXX XXXX, 2016 ( Saturday ), I received a letter dated XXXX XXXX, 2016, from Residential Credit Solutions notifying me that my loan servicing was transferring to XXXX XXXX XXXX effective XXXX XXXX, 2016. How can a company make notification that is effectively 9 calendar days ( not working days ) prior to a transfer. I have received nothing from XXXX XXXX as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I requested a credit report on XXXX/XXXX/15 and found that this company, XXXX XXXX XXXX had placed a negative account on my credit report. I contacted them and requested a copy of any contract, policy or anything that shows I have ever given them permission to establish an account on my behalf. I also sent certified letters to them requesting a copy of any documents with my original signature on them as proof that this is my debt. They have refused to provide me with this information and have not responded to my inquiries. I have disputed the account with the credit reporting agency, XXXX and the company continues to report it. I have filed a police report and will began this process to have them remove themselves from my credit report which is now causing me harm when I apply for credit. XXXX and XXXX are not allowing this company to report this account because they have not validated that it belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ATHAS CAPITAL GROUP, INC.
State: CA

Complaint narrative:
Failure of in document preparation. 
Statements mailed to the wrong address and never received since XXXX 2015. 
The fact that the borrower has dealt the XXXX different entities and XXXX different employees in an attempt to resolve payment, billing and mailing issues is troubling. The fact that payments were returned on XXXX XXXX, 2015 as " unable to process '', stating " the property is now in foreclosure '' is alarming. The borrower has been bounced around between representatives of XXXX, Athas, XXXX and now XXXX XXXX XXXX. 
The borrower has attempted to resolve servicing issues with the following employees from XXXX, XXXX, XXXX and XXXX XXXX XXXX : XXXX - XXXX XXXX - AthasXXXX XXXX - AthasXXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX was finalized in XXXX 2015 based on the XXXX XXXX, 2015 loan application, Initial_Disclosure_XXXX ( attached ). The final loan document was prepared with an incorrect mailing address then passed to XXXX XXXX XXXX for servicing. 
In a XXXX page letter dated XXXX XXXX, 2015 ( attached jpg files ), XXXX people were referenced for more information and resolution to the foreclosure. XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of XXXX Foreclosure Department, I learned yesterday, ( XXXX/XXXX/2015 ) that neither woman had knowledge of the letter, XXXX XXXX was emailed a copy of the letter yesterday ( XXXX/XXXX/2015 ) and has promised to get back to me with more information. The borrower first contacted XXXX XXXX six days ago ( XXXX/XXXX/2015 ), I learned yesterday that XXXX XXXX actually works for XXXX XXXX at XXXX, not XXXX XXXX XXXX as stated in the letter. Further, the correspondence was mailed to the wrong city and took XXXX days to arrive ( XXXX/XXXX/2015 ) at the correct address. Just as the statements were mailed to the wrong city and never arrived. This is no way to do business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I asked for information about my account showing several debit cards that were issued on the account. U.S. Bank claims they can not tell me who 's names were on the cards with a joint account between my wife and I. I had XXXX she had XXXX. 

why so many and were they in my name or hers?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank bought our home loan from XXXX in 2014. We fell behind in our mortgage and they were relentless in pursuing back payments with harassing calls late at night, and intimidation. They keep raising late fees. 
We are trying to refinance our mortgage and they have delayed sending a payoff amount to our title company, XXXX, FL XXXX FAX XXXX ATTN : XXXX XXXX # XXXX ( XXXX ) I believe they are dragging their feet on releasing a payoff because they will lose money because they bought the loan. 
Today I called and spoke to them about this. The girl, XXXX, ( Spelling may be wrong ) insisted I pay {$20.00} for them to supply the payoff. I argued this saying they could not do it. She kept insisting it was for the authorization to send the payoff amount, not for supplying the payoff amount. I asked her if that was policy when banks and title companies fax in a request but she changed the subject. She may have added the amount to our payoff, but I am not sure. She later said she faxed it as we were speaking. 
After calling the title company an hour later, I was informed they had not received it. I called US Bank back only to to be told it would take up to 24 hours and that the fax # they were sending it to was completely wrong. I believe in my heart this is all intentional. 
On top of this, their customer service is anything but that. They are the rudest and most belligerent people to try to reason with. 
So, my main concern is trying to get the payoff so we can close on our loan and move forward. This has been going on for way too long. 
Also, can you do anything about the ever changing late fees and the harassing phone calls we received?

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 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
My husband and I have requested a new relationship manager more than once because the one we are assigned to does not return our calls within 24-48 hours. She does not put correct updates or information that we give her in the computer system. She does not answer calls when transfered to her ext. We have spoken to others in her department more often than speaking with her. 

The other issue we have is trying to be changed from the short sale review over to the home saving options review even after submitting all paperwork. It has been 30 days from the day we made that request and sent in all paperwork that was asked for. The mortgage company have been telling us that there are no updates at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank reported a credit card in my name that I do not recognize nor never applied for.

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 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
A short sale request has been placed with US Bank - and they have not made a response in over 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have a US Bank secured credit card with a credit limit of {$1000.00}. I accidently overpaid the credit card which was fine and that created a credit balance on the card. The US Bank website and XXXX app showed the XXXX payments, showed the credit balance and showed by " available balance '' as {$1500.00}. On Sunday XXXX XXXX I went to check into a hotel ( XXXX ) by US Bank credit card was declined. I used another card to check in and called the number on the back of the card for an explanation. I was told that there was a 7 day hold placed on my payments ( which was made on their website via ACH from a checking account ) and that my available balance was just over {$100.00} thus the decline. I asked why the hold was placed for 7 days on an ACH payment and they could not explain. I asked why the website and mobile app showed my available balance of {$1500.00} when it was n't and they said they were not sure that maybe it had not updated. But it had updated to show the payment. 
I asked the first person I talked to if there was any CFPB guidelines on the holding of ACH payments or on the reflecting of available balance on a website that was no actually available. It became obvious that the person did not know what the CFPB was. When I asked if he knew what the CFPB was he admitted he did not. I then ask him to escalate my call to a supervisor and I got " XXXX '', XXXX also seemed to have very limited knowledge of the CFPB or how to handle a customer complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have unauthorized transactions on my {$200.00} Master Card pre-paid gift card. 
I have reported the problem to the card issuer but as of today, XX/XX/2016, have not received a positive response.

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