vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I USED MY XXXX ATM CARD @ USbank ATM IN XXXX GROCERY STORE ON XXXX/XXXX/16. I REQUESTED A {$500.00} WITHDRAWAL. I 'VE DONE THIS FOR SEVERAL YEARS AT THIS ATM. I USUALLY GET XXXX BILLS 0F {$20.00} DENOMINATION. MY RECEIPT SHOWED A {$500.00} WITHDRAWAL, & WHEN I IMMEDIATELY CHECKED FOR ACCURACY @ THE CUBICLE TO THE LEFT OF THE MACHINE, I DISCOVERED I HAD XXXX {$20.00} BILLS, XXXX {$5.00} BILLS, & XXXX {$1.00} BILLS FOR A TOTAL OF XXXX BILLS WORTH {$390.00}! 
I IMMEDIATELY WENT TO THE USbank BRANCH NEXT TO THE ATM TO THE ATM MACHINE & COMPLAINED TO A TELLER. 
SHE CALLED HER BRANCH MANAGER, & HE DECLARED THE ATM MACHINE HAS NEVER BEEN WRONG. HE ALSO SAID I HAVE TO FILE A CLAIM THRU MY BANK ACCORDING TO REGULATION E. 
THIS ALL OCCURRED WITHIN ABOUT 15 MINUTES. 
THE ONLY STATEMENT I COULD GET FROM USbank WAS THE BRANCH MANAGER 'S BUSINESS CARD. I CALLED XXXX WHEN I GOT HOME & FILED A COMPLAINT. ON XXXX/XXXX/16, I CALLED USbank & WAS TOLD THE SAME BALONEY, ALTHOUGH THIS BANK EMPLOYEE ACKNOWLEDGED ATM SHORTAGES ARE XXXX XXXX & BLAMED XXXX OR WHATEVER COMPANY SERVICES THE ATM MACHINES. I ALSO FILED A POLICE REPORT WITH THE XXXX PD, NV ON XXXX/XXXX/16. HOWEVER, ON XXXX/XXXX/16, XXXX PD INFORMED ME THAT THIS WAS A CIVIL MATTER! THUS A USbank ATM SHORT- CHANGED ME {$100.00}, & THIS IS CONSIDERED A CIVIL MATTER. I CLAIM THIS IS OUTRIGHT " THEFT! '' I RECEIVED XXXX BILLS & ONLY XXXX WERE {$20.00} DENOMINATIONS. THE ATM MACHINE EITHER XXXX UP OR SOMEONE ( S ) XXXX WITH THE MACHINE!

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 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Saturday, XX/XX/2016 at XXXX, on my way to work - after paying off a credit card, I decided although I felt a little worried about it, to deposit l large amount of money via USbank ATM machine. My total was approx. {$1900.00}. After sticking in my ATM card, plugging in my pin, gathering my faced cash, and depositing into machine- I sat there while the ATM processed my transaction for about half a minute. I knew something was wrong because it never usually takes that long- regardless of amount. Suddenly, without all of its usual prompts ( would you like to make another transaction? A detailed summary of a break down of the bills ), the machine spits out my card and approx. {$100.00}. Hoping the other {$1800.00} got counted into my account, I put my card back in. NOTHING! I deposited the {$100.00} and thought maybe, just maybe the ATM would register the other part of my transaction, but no. 

What is sad is that this machine has ripped me off for XXXX bucks without my knowing once before. I did n't notice, but received an apology letter on behalf of USBANK. And again, for {$40.00}, which I had disputed, but never persued. But this is intense, this is n't just pocket money. I used XXXX, {$100.00} bills, XXXX {$20.00}, XXXX {$5.00}, XXXX $ XXXX. I thought that because maybe if there was n't an array of various cash, that it would be okay. My deposits are usually chaotic, different bills, in no order. I was sure that facing, putting them in order, and straight would get it right. 

I could n't be more wrong. 

I immediately called their customer service to file a dispute. I spent an hour on the phone with a representative ( XXXX minutes into my work shift!!!! ). 

I 'm filing a complaint because this is the THIRD time this machine has miscounted and malfunctioned. This is obviously my last time using a machine for an " easy, on the go '' Deposit. Today, Monday XX/XX/XXXX, I was at the USBANK right at XXXX when they opened. I spoke with a manger about it. He had ZERO regard that my account is about to overdraw, checks are about to bounce, and it 's ALL BECAUSE OF THEIR MACHINE. Like I said, this was n't pocket change. It 's {$1800.00}!!!

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 2015-07-31 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I bought XXXX gift cards from my local grocery store XXXX XXXX XXXX part of XXXX ) issued by US Bank on XXXX XXXX, 2015. Each gift card was loaded with {$500.00}. 
Within a week of so of loading, the money was already drained from the card fraudulently. I filed a dispute with US Bank, the issuer of the card the moment I realized the theft. US Bank did not ask me to fax in copies of receipts until XX/XX/XXXX, which I did promptly. 
So far, the only response I am getting from US Bank is we are waiting to hear back from the retailer where the funds were used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NH

Complaint narrative:
When I signed up for my US Bank XXXX XXXX Credit Card there was a giant ad on the webpage promising me a " last night free '' benefit. More specifically, that benefit allowed a cardholder to receive his/her last night free when booking XXXX XXXX award stays of at least XXXX nights. Enticed by this offer, I signed up and paid an annual fee of {$75.00} in XXXX of 2014. Today, I got my statement in the mail and was told that this benefit is being eliminated effective in XXXX of 2014. I find this to be completely deceptive. US Bank heavily advertises a benefit, gets you to pay an annual fee based on that benefit, and then withdraws the benefit in the middle of cardholder year after the fee is paid. This is classic bait and switch and US Bank should be investigated for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a savings, checking and Business account with US Bank. I went to the gas station filled my tank with gas knowing I had money in the bank at the time. I only put {$30.00} into the tank. My account became over drawn. I was very ill for a few weeks dropped out of commission for a few weeks. Looked into my account after I was released from the hospital. They had put so many fees on my account I could not pay the money to get the account back in good standing. I tried reasoning with US Bank. They would not reduce the fees at all. When I called that measly {$30.00} dollars turned into {$340.00} in fees. They never paid any returned checks and I never bounced checks. They try to extort {$340.00} for a {$30.00} error. They have reported me to XXXX saying account abuse the info is inaccurate. They are the ones doing the abusing. This should be against the law. Check consumer complaints website you will find thousands of stories just like mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I had an XXXX XXXX during XX/XX/XXXX. By spending money on the XXXX XXXX, you earn dividends at XXXX to spend in the store. I received my dividend recently and it appeared to be XXXX dollars short. On or about XX/XX/XXXX, I called US Bank, who administers the XXXX XXXX, and asked them what happened. I was told by the CSR that yes, US Bank had under-reported what I 'd spent on the card. US Bank reported I spent approximately {$11000.00} during XX/XX/XXXX, when I actually spent over {$20000.00}. I was then told US Bank would research and resolve this issue over the following 10 days. US Bank has failed to this. In attempting to resolve this issue, I have had a US Bank supervisor named " XXXX '' take my phone number and tell me that she would call me back. She never did. Today I called again and spoke with another supervisor. He also told me US Bank was still researching this issue. It has become clear to me that US Bank is purposefully ignoring or delaying the correct reporting of what I spent on its XXXX XXXX to XXXX. This is in direct violation of the terms of the XXXX XXXX credit card and, in a court of law, may be considered a breach of contract. I hope that if other consumers are also having this problem with US Bank, that the Consumer Financial Protection Bureau will take action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Comerica Bank - XXXX XXXX XXXX, California issued me a credit card for a limit of up to XXXX without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband still banks there and my name is on his account, but that should not mean they have the right to force me to have a credit card with them. Help!! My cell it XXXX. 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 explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was accessed annual fees on an inctive USBank credit card. I had XXXX and was in XXXX for 3 months when they were sending the notices. But USBank was sending the statements to the wrong address and have my wrong mailing address and name. They reported 30 and 60 day late payment to the credit reporting agencies which has harmed my credit. I have followed all procedures to have the negative information removed from my credit report and USBank is refusing. this was all over a annual fee on a credit card I did n't activate.

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 2016-03-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX Visa Prepaid Debit Card with 1-2-3 REWARDS ( R ) Visa ( R ) Prepaid Debit Card : After using the card to process a product return from a XXXX I purchase from regularly I was told all of my money in my prepaid account was locked up and unavailable so the company could make sure the return transactions were not fraudulent. This included all my money from my paycheck in addition to the money on from the return to XXXX. The card holder agreement does n't mention anything like this so I do n't understand how they can do this.

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 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
We fought US Bank Home Mortgage for almost two years to save our home. We finally accepted that we were going to lose our home. We were approached by a real estate agent who had a family interested in buying it. The buyers were preapproved and we discussed a price of XXXX to XXXX depending on payoff. We called mortgage company to request payoff amount. We were told they would send it out to us. We never received it. We had attorney through legal aid request the payoff amount on XXXX from the attorney for US. Bank. They never responded. Sadly, the sale took place on XXXX XXXX and the home was sold for XXXX. The lack of response from the mortgage company 's attorney and the company itself cost us the opportunity to payoff the amount owed and possibly have recooperated a little of the money we paid down on home. Ironically, prior to the sale of our home, the mortgage company sent us a check for mistakes made on account. We still have check because we did n't understand why we 'd get a check from mortgage company while they were foreclosing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP
State: TN

Complaint narrative:
This account does not belong to me I have disputed this account ELAN FINANCIAL with the credit report company I have inform them that this is a fraud account. The credit report still reporting this account on my credit report they will not remove this item I have also inform ELAN FINANCIAL and they are not willing to provide with with any legal documentation with my proof of signature nor proof of DRIVER 'S LICENSE OR STATE ID please help me with this account again this account does not belong to 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 2015-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In the XX/XX/XXXX XXXX representatives from US Bank came to my store to sell me a credit card machine. When asked, I showed them the terms of my current machine. They told me they could beat the service and price. The name of the ladies are on the documentation that I am attaching. A week later they had XXXX of their associates call me to tell me that they could n't offer the terms the gave me verbally. I told them to close the account as I was going to stay with what I had. Since that time, I have been sent to XXXX different collection agencies. I have disputed the account in all XXXX cases over the past 4 years. The latest one was in XXXX XXXX, and I just received the response attached XXXX XXXX never hear from the other XXXX collection agencies again after I sent the disputes and assumed that it was resolved. I have attached all of the documentation regarding the XXXX disputes. It seems that US Bank continues to sell the account to different collection agencies after I have disputed it. US Bank is charging me for merchant services I never received. They did not send me a credit card machine, and because I never had a machine, there were never any merchant payments made. I would like this account with US Bank resolved for good. This has caused me a considerable amount of anxiety as I value my credit rating. This has been time consuming each time, and it does n't go away. I do n't want to pay a collection for something I never had. Thank you for you help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I make my monthly mortgage payment online to US Bank every month. I just noticed that this month, they are now charging {$5.00} for online processing fee. They never even send a notification to make me aware of this change. So now I plan on sending my payment in via regular mail, but I had been receiving paperless statements via email, so I do n't have the physical printout of the pay stub to send in nor the envelope. And if I had noticed this one day before the payment cutoff date, they would have received my payment late and charged me interest!

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 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
MY CLIENT AND I HAVE BEEN DILIGENTLY WORKING TO PROCESS A SHORT SALE WITH US BANK, AND HAVE HIT MULTIPLE ROAD BLOCKS, DUE TO US BANKS IN ABILITY TO REVIEW, COMMUNICATE IN A TIMELY FASHION. AS WELL AS DELIVER FALSE INFORMATION REGARDING OUR REVIEW. PLEASE SEE ATTACHED. I HAVE ALSO REACHED OUT TO FHA NATIONAL SERVICING CENTER FOR ASSISTANCE REGARDING THESE CIRCUMSTANCES, THAT ARE FORCING MY CLIENT INTO A FORECLOSURE/SHERIFF SALE.

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 2015-06-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my US Bank Visa credit card and made fraudulent charges on my credit card account. I have sent numerous letters, police reports and copies of my personal identification to US Bank and informed them someone stole my US Bank Vise credit card and made fraudulent charges on my credit card account. US Bank informed me that I am responsible for the fraudulent charges. US Bank is violating the Federal Fair Credit Reporting Act. I wo n't send any further correspondence to US Bank in reference to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank has had XXXX my sellers files under review for short sale approval for the XXXX time since XXXX. The file was completed and sent to a negotiator for a new BPO to be ordered and a new value to be placed on the property. I notified the bank several different times regarding the condition of the property. There was a break in about a year ago and all of the plumbing, electrical has been removed from the home.. US Bank filed an insurance claim against the property for the damage done, but never did fix anything. I was notified by my new negotiator that the BPO was in. That was strange due to the lock box never being opened since XXXX of this year. I asked when the BPO agent was there and he said the XXXX week XX/XX/XXXX. I told him about the condition of the property and he told me the BPO did not have any of this info on it and the pictures that they had also did not indicate the CURRENT condition of the property. I was told by this negotiator that he was just going to close out my file since the BPO and insurance claim were not on file for him to see and our offer was not meeting their VALUES. I told him that I was going to dispute this value and the validity of the BPO. the pictures they have on file are supposed to be from this XX/XX/XXXX, which is impossible since no one has accessed our key box XX/XX/XXXX. There is apparently FRAUD going on here because the negotiator will not investigate this discrepancy or find out why the BPO agent stated this was a recent value. I sent the negotiator the inspection report along with color pictures. bids to repair this work along with the buyers counter offer XXXX. The new assessors value for taxes show the value to be about XXXX which is FAR less than the XXXX value that they have place on it under a BOGUS valuation. This is fraud!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Response to My claim Case number : XXXX TD Bank will send a check to the Customer in the amount of {$95.00} within the next 30 business days, as a courtesy fee refund. The attached explanatory letter was mailed to the Customer. 

I, XXXX XXXX never received the check from TD bank. Today is XXXX ... and no check. received.

Company response to consumer: Closed with non-monetary relief