vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to properly verify information I have disputed multiple times on my credit report and continue to report inaccurate derogatory information. On XXXX XXXX, XXXX, I submitted an online dispute of inquiries I had not authorized. The following is the response I received from Equifax dated the same date of XXXX XXXX, XXXX : " Inquiries are a factual record of file access. '' I requested specifically in a follow up letter that Equifax send me proof that the inquiries are reporting accurately. Equifax has refused to verify that the inquiries are reporting correctly. Their quick vague response speaks volumes. 
The following are the inquiries that were disputed online and sent certified mail : Information Searching Co XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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 am a US Bank customer, I went to a branch at XXXX XXXX XXXX. I was approached by the teller to participate in their checking promotion, " Just spend {$75.00} and we will give it back to you. '' I replied, my wife is in the hospital nearby and was in a hurry. He said it would only take 5 minutes. I agreed. He handed me a flyer and atm card and said just spend and call us when you are done. I call to redeem the my money the terms of the deal were chanced. Now that I just want to undo the deal they need me to come in 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 explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Im XXXX years old high school student. I have Checking account with US bank. 
In end of XXXX I started to work in XXXX. My employer asked me to fill the form for direct deposit that required routing number and the bank account information. I brought an empty check on the next day, the check was in my wallet so I can provide this information. Unfortunately on that day I lost my wallet at my employer location. I contacted my bank to cancel my credit and debit cards. But in few days I learned that person by name XXXX XXXX used my check with fake signature to withdraw money from my checking account. The money was wiz drawn in different bank at XXXX XXXX location. The check was in amount of XXXX dollars. I filed police report by XXXX County Sheriff Office and filed fraud case number XXXX with US Bank. After 3 months of waiting I received the following response : US Bank has completed the investigation of claimed fraud on the above account. We regret to inform you that it has been denied for the following reasons 1. Customer Negligence Contributing to Alteration or Forgery 2. Customer Liability under " Security '' section of the Deposit Account Agreement I think in this specific case bank also was negligence as the money was distributed based on faked signature, clearly different from my own. In addition bank does n't provide any instrumentation to limit amount that can be withdrawn by the check or capability to disallow over draft. Based on that I do think that I entitled in complete money refund. The XXXX dollars that I lost on my account is a significant amount of money in my current situation. 
Thank you XXXX 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 monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On Friday XXXX XXXX at approximately XXXX, I deposited a certified check for {$1500.00} into my account at my local branch of US Bank. The bulk of the funds were to be transferred via XXXX XXXX XXXX for a 'mystery shopping ' survey. I would not transfer the funds until my bank made them available to me, so I checked my account balance online every XXXX minutes to an hour. The funds showed on my app as being deposited, but not yet available. The app shows both balance and available balance. When I woke up Saturday morning, my available balance equaled my balance. Saturday morning, XXXX XXXX, I transferred {$1200.00} through XXXX XXXX XXXX as instructed. On Tuesday, XXXX XXXX, I was unable to check my account online, so I called US Bank and told my account had been put on hold because it was overdrawn. After being transferred to fraud prevention, I was told the certified check had been flagged on Monday and the funds put on hold for seven business days. I intentionally waited for the funds to show as 'available ' before transferring them as I was worried about just this situation occurring. In showing those funds as 'available ' when they were in fact not, my bank directly lied to me and is wholly responsible for this over draw with their deceptive practices. I ask they be penalized for fraudulently using the words 'available balance ' when I have learned that that was not the balance available.

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 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
SUMMARY : As a prospecting Home Owner in XXXX, I wanted a local bank in the region of metro XXXX, XXXX to finance my home - I chose XXXX Bank and upon processing my loan to finance. I wanted to feel the need to if I had any questions about my loan or any circumstances of my situations, I had the pleasure to walk into the bank itself. My loan was sold to US BANK in which I had no control of. Since the transferred of the loan, I have not received the adequate of services of this lender. This loan servicer is located in the State of XXXX in which is not accessible for me. With a local bank that is accessible in your area will allow you to incorporate the questions and concerns of your mortgage - to have someone to speak in person says a lot to handle the future of your home. I was deprived of that by force ... not by choice. According to US BANK, I have been calling a CALL CENTER and spoken with a dozens of individuals in which half of them told me something different other than what the others said ... no consistency at all!! This is not a call center whereas I pay my phone bill, credit card, or check on my banking account - This is my home, my shelter, my dwelling!! My intent is to save my home, however, with dozens of denials from US BANK and too many inconsistencies based upon the documentations has really been appalling. The last Relations Manager on my account - XXXX, did not work effectively or efficiently for me to save my home. She was rude, very loud talking, and spoke with hostility in her voice. I have several times to ask for a new Relations Manager, however, I resulted back to her to contact. I was told I did not have enough income ( XXXX documented ), but yet, to work a second job and was told I made too much for a modification on my home ( XXXX verbally ). Majority of all documents ... at least 75 % would not contain any signatures or names. My original loan payment of {$1400.00} began XXXX/XXXX/XXXX - my ending mortgage payment of {$1400.00} is XXXX/XXXX/XXXX ... .where is the assistance or real modification?? How can one receive documents that you were denied without a signature or name of who denied you - How can one be approved for $ 10- {$30.00} dollars off your monthly mortgage without a signature or name of who approved you ... .only to say ... Sincerely, The Resolution Default/Loss Mitigations Department XXXX Too many inconsistencies, speaking with too many individuals and the bias decisions has led me to this point of mayhem!! 

Sincerely, Damsel In Distress

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I recently paid off my car loan on XXXX and have been contacting US bank every day to get the lien released. Every day I get a different answer, 7 - 10 days to process 4-5 days to process, I have been told 3 times the load was paid on the XXXX, until today which is XXXX and was told it was just processed today and another 7 - 10 days to process then mail to me. It is electronic and I have someone who wants to buy the car but ca n't until the lien is cancelled. I have been hung up on three times when asking to talk to a supervisor, or put on hold for a brief moment to check the status and 35 minutes later I hang up. I fulfilled my obligation and am getting frustrated about getting the clear title to my car. They only have XXXX customer service number so you have to go through the same log in each time. They have closed my account, which they did the same day the loan was paid, so I ca n't even go online to find out what is going on. They have no local banks so I ca n't go in person to speak to a banker.

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 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
US Bank has started altering the order of credits and debits to their advantage. In 2015 they on numerous occasions posted the debits first and then the credits which resulted I numerous {$36.00} overdraft fees. On XXXX occasion I withdrew {$500.00} in cash on a Saturday when my direct deposit showed as being available. I was then charged the {$36.00} overdraft fee. On Monday on their website the direct deposit showed it being credited on that Monday even though on Saturday it was shown as being available. I called the bank manager and his response was that the teller should not have given me the cash. However the teller had seen the same thing on her screen that Saturday and that being that the money was available. This occurred throughout 2015 until my account was so overdrawn due to the overdraft charges that US Bank had closed my account. The bank manager was less than cooperative in discussing this issue. And along with that they would post debits before credits which I have never seen this practice before. The bank manager response was that there was nothing illegal about that practice. So now my account is in the banks collection department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: CO

Complaint narrative:
Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XXXX I was sent a letter from Lakeview Loan Servicing, they offered me a 30 year fixed loan at 3.25 %. I called and upfront the loan officer said that they did n't offer a loan like that for a loan of my amount, I stated to him that they came to me with this offer with the loan amount on the offer. After a couple of days of back and forth with him they decided to keep their word and do our VA XXXX at the previously stated 3.25 %. They also stated that there was no loan origination fee 's, credit check, no appraisal, no income verification, and once we signed our loan documents acceptin the offer we would close on the loan mid XXXX. Yesterday I was received a letter stating that my loan was denied due to credit unworthiness, now if there is no credit check how am I being denied for credit unworthiness. I was upfront with the loan officer and stated I was injured at work and was in the process of preparing for XXXX. He assured me that the loan was going to close in XXXX. Now I called him today XXXX XXXX to find out what the issue was he said hat the credit underwriter denied the loan due to a late payment on my current loan in XXXX, I stated that the VA XXXX guide states there is no credit underwriting for this loan so how is it that they are the ones denying my loan. That 's when the conversation switched from his company 's unfair practices to a personal attack on myself. He said that I am still have an issue questions my integrity, as a veteran that is a huge issue for someone to call my integrity into question for simply asking for answers as to why they are differing the procedure from what he himself stated and what the VA website states as to be the normal.

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