vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a vehicle loan through BBVA Compass Bank. We sold that vehicle to a private party XXXX XXXX, 2015. The purchaser obtained their Loan through XXXX XXXX out of XXXX, Mo. XXXX XXXX sent a cashiers check ( XXXX/XXXX/15 ) overnight for the remainder of my loan to pay off this vehicle. Compass Bank received the check XXXX/XXXX/2015 at XXXX per the tracking number obtained by XXXX XXXX. Compass Bank is unable to locate the check, thus my loan account has not been closed and is accruing interest and coming due for another payment, although I have not had the vehicle in over one month. 
I have contacted Compass Bank XXXX times regarding this missing payment. I continue to have no answers. I have contacted XXXX XXXX XXXX times, who have no concern about the loan payoff, nor the loan they opened for the purchaser. One person for XXXX XXXX informed me XX/XX/XXXX that the cashiers check had not cleared. XXXX XXXX is now refusing to inform me over the phone if the check has cleared or not. Compass Bank is requesting that XXXX XXXX either provide them with proof that the check cleared or place a stop on the check ( which XXXX XXXX stated will require XXXX days ) and reissue the check again. XXXX XXXX has not been in contact with Compass and has not returned my recent calls. I have spent hours on the phone to these companies to no avail. I am stuck and unable to get either party to look into their loans. I continue to be put off by compass with them closing requests to look into it and the research team not doing so. My concern is that my account will continue to gain interest and will require that I make a payment on the account when I have not had possession of the vehicle in over XXXX days, thus affecting my credit. I have a bill of sale and copy of the original misplaced cashiers check. The purchaser is paying on a loan that had not been cleared, and is unable to Register her vehicle as they do not have the title. At this point, I am unable to assist any further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
FACT # XXXX ) I have a secured credit card with US BANK. Every time I indicate to a " live representative '' he/she would ask " which savings account would I like to pay from ''. Oddly, because there 's ONLY ONE OPENED by me XXXX associated with only XXXX checking acct XXXX. 

So TODAY, I inquired with a live agent " XXXX '' about this. He says, " there 's XXXX and I 'll transfer over to the department that handles this. '' To our surprise, US Bank secured credit card dept. lol. Then when I ask them please clarify the XXXX XXXX XXXX XXXX savings accounts whenever I wish to make a payment. XXXX, supervisor, stated maybe when you do an automated payment ( but I NEVER do ) I always speak with live rep. So, she says " maybe they are confused. '' I forewarned her the suspicious activities with XXXX XXXX Bank opening up accounts without one 's knowledge is absolutely illicit. She concur.

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 2017-02-10 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
The bank did not disclose its wire transfer fees for savings accounts. It charged {$20.00} per outbound wire and {$30.00} per inbound wire. In particular, the inbound wire fees were a complete surprise. The bank stated to me that they are required by Regulation E to charge wire transfer fees. I am no bank regulation expert, but this does not seem to be the case since other banks do not charge for wire transfer fees.

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 2016-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. 
Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. 
We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. 
I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. 
It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. 
It has been 5 days since we requested the original signature card from US Bank to no avail. 
The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. 
Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? 
Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. 
XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. 
Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the XXXX XXXX XXXX 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 2016-07-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called the points redemption number for my credit card and was told since the card had not been used in the previous 12 months, the account had been closed & my points were now expired. I only had XXXX points, but still feel I should have been able to use them up.

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 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: MD

Complaint narrative:
VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified. 
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I went in today to redeem my rewards points on my Elan Financial Services credit card. I had enough to redeem {$170.00}. I was unable to redeem this online and called in. The rep said that my account was closed by collections. I asked how this was the case since I have always been on time with payments and my account is at a XXXX balance. After 40 minutes on the phone with them and being blamed for it all I was finally informed why. They said correspondence, likely marketing, was returned to them in XXXX that they mailed me in XXXX. This one piece of return mail forced them to close my account. The first person I spoke with said they had been receiving " all kinds of return mail '' from me. The manager later informed me it was only once. The acknowledged that they had since successfully sent mail to me and I had made payments and purchases since XXXX. Since my card was schedule to renew in XXXX and they received the return mail XXXX they decided in XXXX to close the account. I had this account for three years and was never late. I asked to see where in the cardmember agreement it states their ability to do this and they had no answer for me. The could mail me an agreement and it would takes weeks to receive one. This can not be accessed online. They say the only resolution is for me to write a letter to them asking to reopen the account. I would need to include all of the information that is requested on a credit application so they can evaluate and then decide whether or not to reopen the account and whether or not they will pay me the {$170.00} cash value of the rewards points I earned.

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 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
US Bank is charging a fee to lessees, in the amount of {$1500.00}, if the consumer elects to exercise their purchase option through a dealer, not directly through US Bank, at the end of their lease. This fee is not disclosed on the Lease contract. The contract does disclose a purchase option fee of {$350.00} which is calculated into the purchase option price. US Bank was a primary lease provider for XXXX for approximately 4 years which exposes many consumers to this extra, hidden fee. I have attached a scan of a contract which does not disclose either the fee or the fact that the consumer can not exercise their purchase option at a local dealer. Circled are the sections related to the end of term purchase. I have contacted the State of Maine Bureau of Consumer Credit Protection who directed me to contact CFPB since US Bank is a federally regulated bank. I hope you can help the many consumers who are currently nearing the end of term on their current US Bank leases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. 

I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.

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 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
THE PROBLEM WITH FIRST NATIONAL BANK OF OMAHA STARTED IN THE MONTH OF XXXX XXXX AFTER MY DIRECT DEPOSIT FROM XXXX THE ALLOTTMENT IN THE AMOUNT OF {$200.00} INTO ACCT NO XXXX ROUTING NO XXXX STARTED OFF AS A NORMAL TRANSACTION BUT THAT WAS SHORT LIVED IN EXACTLY 24 DAYS MY PROBLEMS BEGAN .SOME ONES INFINITE WISDOM DECIDED TO DEPOSIT AND ELECTRONIC DEPOSIT FROM XXXX XXXX XXXX XXXX E/FILES REFUND DISBURSEMENT INTO MY ACCOUNT XXXX ROUTING NO XXXX IN THE AMOUNT OF {$5700.00} EVEN THOUGH THEY KNEW THIS NAME OF THE IRS REFUND WAS NOT MY NAME THEY DEPOSITED THE FUNDS ANY WAY THEY PROCEEDED TO FREEZE MY ACCOUNT RATHER THAN RETURN THE FUNDS TO THE IRS OR XXXX XXXX TO HAVE THESE FUNDS RETURNED TO CORRECT ACCOUNT HOLDER.I AM UNABLE TO PAYBILLS THAT HAVE BEEN OUTSTANDING SINCE XXXX XXXX XXXX THEY REFUSE TO ANYTHING TO CORRECT THE PROBLEM.I HAVE CALLED CUSTOMER CARE FOR THE LAST MONTH NO SUCCESS EVERY ONE TWIDDLING THEIR THUMBS I AM ALL TALKED OUT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I bought a car in XXXX on XX/XX/XXXX as I was living there at the time. US Bank is the lienholder on the car. In early XX/XX/XXXX I moved back to XXXX. My registration on the car came due at the end of XX/XX/XXXX and I tried to get the car registered in XXXX. I made at least XXXX trips to the XXXX over the course of about XXXX months and and spent countless hours on the phone with US Bank trying to get the title information to the XXXX in a form that was acceptable. I was never able to register the car in XXXX. Apparently XXXX is a digital title state and XXXX is a physical title state. While this should not have been much a problem it was a significant and apparently unsurmountable obstacle. First, it took XXXX weeks for US Bank to create a physical title. The first copy they sent to the XXXX XXXX never arrived. The second copy they sent was tracked to a XXXX in XXXX that was hours away from my location. The third time also never arrived. In early XX/XX/XXXX, I moved to XXXX for a job transfer and decided to try to register the car in XXXX to see if it was easier. While XXXX is easier on the XXXX side, the US Bank side continued to be nearly unworkable. XXXX XXXX needs a certified copy of the title and an official letter stating I can register the car. I am on my third attempt to get what I need to register the car from US Bank. The first time a rep handwrote a letter and took a XXXX photocopy of a title that said void all over it. The second time I got a typed letter and the same XXXX photocopy of the title. I am now on the third try with US Bank. In the meantime once my XXXX registration expired. I was never able XXXX XXXX the car as it was unregistered, although I was expected to continue making payments to US Bank. In total I have been paying for a car that I have not been able to register for XXXX years, XXXX months, XXXX days and counting!! How can a bank not know the process and what is needed to legally register their cars?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have incurred reoccurring charges on my account for overdraft fees, extended late fees for over thirty-days. The bank claims to have sent letters, which we do not have record of receiving. No phone calls were made to me, nor emails. If finding this out today, they advise me the account will be charged off in 8 days, and they refuse to put a no debt hold on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity

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 2017-01-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I filed bankruptcy on a secured credit card from US Bank due to my lawyers advice. US Bank sent me a check for my down payment of XXXX dollars minus the balance on the account. I believe the price I just recently received a check for was about XXXX dollars. The only problem is was this account was paid in full be me and there was no balance on this account. I had lost the card before I filed bankruptcy and I did not notice until now because I know I did n't need that credit card anymore. Long story short US Bank still owes me around XXXX dollars because the balance on the account was made by fraud transactions. The fraud happened around XX/XX/2016 right before I filed bankruptcy. The balance on the account should be XXXX so I should be given the remaining balance. I called and talked to XXXX different people and no one from that company knows how to take a fraud claim on an account that was claimed in a bankruptcy. I am not disputing the account as it was mine, but the fraud transactions that made up a balance is fraud. They ca n't even tell me what transactions came through that made the balance that high. Please help. I feel that they are discriminating against me because I filled bankruptcy and no one wants to help 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 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: TX

Complaint narrative:
This is my office cell phone. Not mine. I told this company to stop calling me but they wont. I had XXXX twice, my wife is out of work, we have no money, lost everything and can not pay credit card.

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 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC
State: GA

Complaint narrative:
I attended XXXX at the XXXX campus. I was there from XXXX XXXX through XXXX XXXX. As far as I knew, I had XXXX loans. A federal loan and a XXXX loan. My taxes said my lender was XXXX and all the emails I have saved for applying to my loan links to XXXX. Found out about the lawsuit/settlement against XXXX and the XXXX loans. Found out that my loan was not qualified for the forgiveness since it was not a XXXX loan. That is when I found out that Campus Student Funding owned my loan. I had never heard of them until last year. I have been trying to get a copy of my original loan contract but can not get in contact with Campus Student Funding and neither can XXXX, they now service my loan. I have also tried to contact the XXXX campus to get a copy of it and they do not have XXXX since it was done online. I believe that my loan did qualify to be forgiven or reduced.

Company response to consumer: Closed with explanation