vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I set up a checking account with US Bank on Saturday XX/XX/2016 in XXXX, KY. The bank was offering a promotional bonus at the time for new checking account customers and US bank credit card holders. So I close both of my local bank accounts that I have been a customer with for years to open my new accounts with US bank. The option I chose was setting up a checking account that had a {$150.00} bonus and also opened a credit card which was an additional {$50.00} bonus. When I set up the account at the branch the banker specifically informed me that I would receive this bonus within 60 days of setting up the account but at the very latest, 9 weeks from first direct deposit date. It sounded appealing to me. I made sure to meet all requirements for bonus and set up my direct deposit with my employer. It is now 4 months later and I still have n't received my bonus for setting up the account. Totally unacceptable. I have spoke with numerous customer service reps and the branch manager several times over the last couple months and the only thing they tell me is that my bonus is being processed. Also unacceptable. What drew the line today is that I called the branch manager again today and she said she contacted the promotions department and that they were several weeks backed up on promotions that it could be even longer of a wait, possibly XX/XX/XXXX or XX/XX/XXXX. Again ... .. Completely unacceptable. I also called the US Bank customer service number and spoke with a VERY rude female representative who would not transfer me to promotions or would n't let me speak to her direct supervisor. I 'm extremely frustrated with US Bank and would NEVER recommend them to a friend or family. It 's not necessarily the whopping {$200.00} bonus that has me frustrated, it 's the fact that the bank promised a new customer something that I do n't seem to be receiving. If you want me to change my accounts and join you for {$200.00} I 'm in, but I expect to receive my money. I have met my requirements and have waited WAY past projected date and I should receive it now. If I do n't receive it this week, I will close both accounts with US bank and reopen accounts with my old local bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied for refinance to lower my interest rate to my current mortgage company. When i submitted my application, where i mentioned specifically how much my early income with a proof ( last two years of XXXX, and pay stubs ). They were well informed about my yearly gross income despite, they went ahead and appraise the house in order for them to decide whether I can get a lower rate. And my house appraisal went higher than expected. But they denied my application based on their automated scoring system, saying, my debt to income ratio is too high and therefore my loan scores ineligible. Why they had to go through appraisal of my house and made me pay XXXX dollars when they knew my income ratio does n't qualify for refinance to lower rate. I was informed at the beginning of my application that i would not be charged any money. But they charge my XXXX XXXX dollars for appraising the house without my consent because i was told that i wo n't be charged any money if i do n't get approved. I had to include my credit card for the application fee. I was told i would get refunded my application fee if i do n't get a approval.They indeed refunded my application fee but not the appraisal fee. they should not have done the appraisal at first place knowing my yearly gross income. I think they were deceptive, dishonest and unethical banking practice.

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 2017-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I took a mortgage through USBank home mortgage in XX/XX/2009 for {$55000.00} on a home. and participated in the Florida first time home buyers program offered by the state of Florida. I received a {$10000.00} down payment assistance through the Government ( 1st time home buyers assistance program ) this is only re-payable to the Government when I sell my home. I just checked my credit report and noticed my balance of {$49000.00} I currently have with USBank home mortgage has increased by {$10000.00} to {$59000.00}??? Also, this lowered my credit score, because the balance now owed increased by XXXX. I have contacted and spoken with several USBank representatives, who at first said the issue would be fixed and my credit report would be adjusted accordingly. Now I was told that this money is part of my loan and USBank Is collecting it! I really do n't think this is legal??!! Especially since I am sure that there is no interest on the {$10000.00} dollars the Government gave me for the first time home buyers assistance. And why now?? After 9 years of paying my mortgage on time without ever missing a payment or ever being late!!

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 2016-11-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Saturday, XX/XX/2016, I drove to the nearest U.S. Bank branch ( U.S. Bank XXXX XXXX, CA - XXXX office, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) that is open on XXXX to make a payment for my U.S. Bank Cash+ credit card. Before making my payment, I withdrew {$300.00} from my XXXX XXXX credit card, from the XXXX XXXX, CA - XXXX office at XXXX Pacific. After withdrawing the money, I waited in line to make a payment with one of the branch 's teller 's. Since I do not carry my Cash+ credit card on me, I made a {$120.00} payment using my social security number. I made the payment at approximately XXXX Pacific. I am certain that I made the payment before XXXX Pacific because U.S. bank credit card payments are do at XXXX Central, which is XXXX Pacific, and I remember feeling relieved that I made the payment on time. 

On XX/XX/2016, I received a letter saying that my account was past due. But the letter also said that if I had paid that I should disregard the letter. So I disregarded the letter until I received my next statement. When I received my next statement, my minimum payment had increased to {$250.00} because according to U.S. Bank I did not make the payment due on XX/XX/2016. I visited a branch and XXXX of the representative 's printed out a copy of recent transactions that did not show my XX/XX/XXXX payment. The representative told me the best course of action would be to identify my receipt. I looked for my receipt but I was unable to find it. So in the past two weeks, I have gone to the XXXX XXXX, CA - XXXX office to ask for help. I 've been told that they will search for the transaction and reach out to me with their findings. Today, XXXX XXXX, 2016, I called U.S. Bank 's customer service and I was told that only the branch could help me with my issue.

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 2015-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
This is a copy of an email sent to XXXX XXXX of US Bank regarding payment inaccuracies form US Bank. There is no details of what makes up a payment, for interest and principle. Late fees are added in random and reversed. You can see that a payment was made and late fees are added. I am concerned about loan fraud, excessives fees applied and not sure if anyone knows if one can be overcharge for this loan. A audit of the US Bank may be in order. 
Hi XXXX, I wanted to give you an update on this matter. I received a call from US Bank Operations yesterday, I believe XXXX was her name. She called me to information that my XX/XX/XXXX payment will be {$120.00} since this was quoted to me in writing. She was also going to work on the late fees and getting me details at the branch so I can see the information. This was reassuring. 

However, today I went to make a payment was told that the amount due for XX/XX/XXXX is {$240.00}. No information was shared with the branch office of US Bank. I was told that paying less will result in late fees being assessed. Again this is a mess as information is not shared nor updated. I asked XXXX XXXX and he is powerless as he did not know. He also said that he is out of the picture on this issue. Hmmmmm. where can I get help if the branch office is out of the picture. 

I have attached the receipt, screen shots of XXXX 's computer to show that he is not able to share details of makes up the payment and account history. I only included the recent months. As you see, there are the late fees and payments made. Please note that there is a {$25.00} service fee applied and then a reversal. Why is that? 

XXXX, this is very concerning for me who is not sure what is owed. It also speaks loud of possible payment inaccuracies, random late fees being applied as payments have been make and really does anyone know if the system is accurate. I will be filing a CFPB complaint so they can see what is going on and get this addressed. Please help!! 

Kind Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consolidated Recovery Group, LLC
State: IN

Complaint narrative:
We have a case here of fraud. The consumer used our service with our company XXXX XXXX XXXX, damaged our RV, and we sent a ton of pictures and documentation/contracts to the credit card company after they did the charge back for services rendered without requesting information from us, the business owners. This is not allowed, they must ask first for information and then determine if its legitimate. There is nothing friendly or pleasing about friendly fraud. Friendly fraud is an industry term which refers to a fraud which results from a customer making a purchase with his or her own credit card, receiving the merchandise and then filing for a chargeback. This involves dishonest people who would like to keep the merchandise without actually paying for it. This is what happened to us and we have been victimized for years due to this fraud. 
In the offline world, this is known simply as shoplifting or stealing. However, this is tolerated on the Internet, thanks to chargebacks. We expect this debt to be erased immediately or we will take further action. The documentation, we assume, is on file with this collection agency. Please publish this situation as something needs to be done about their dishonest business practice. All anyone has to do is read reviews online to see all the issues with the original company : XXXX. AND they are out of business .... not surprised. XXXX XXXX. Therefore there is no way to dispute this situation with the original creditor. This is so shady all the way around. Again, we assume this " collection '' company has all the original documentation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX I contacted my bank regarding a fraudulent charge on my credit card. Then as my XXXX was going through my past statements we came across another fraudulent charge which I reported today XXXX My bank is XXXX XXXX Bank I contacted them at XXXX Because of some health issues and a hearing problem I asked my XXXX to be on the call to help me. The first person we spoke to at the bank was exceptionally rude to us, stating that he would not speak with my accountant even though I gave my permission to do so. I asked to speak to a supervisor and was put on hold for 25 minutes at which point I hung up. We called back immediately and this time the person asked for my permission for my XXXX to be allowed to take part in the call, I said yes and everything proceeded, why did the first person apparently lie to me in this regard and put me on hold for all of that time. I reported that I had XXXX fraudulent charges of {$3500.00} and {$2000.00} The lady I spoke to in the fraud department was about as helpful as the first gentleman and just as XXXX. She said she would file the fraud charges and maybe I would get my money back or maybe not. What the XXXX does that mean? I never authorized or took part in those charges in any way and explained that fact to her. My XXXX said that I have a XXXX liability when it concerns identity theft and or fraudulent charges, which these are. I will be changing banks next week without question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: RI

Complaint narrative:
Have been trying to get the bank to correct my monthly payment based on a corrected Town tax rate/amount. I have sent several faxes, have spent hours on the phone, have spoken to several of their representatives about the issue. It still as on writing this note not straightened out. They seem un-willing or unable to make a simple correction to the monthly payment amount due. The town has also spoken to ... .and faxed information to the bank. Now, they have my account is " suspense '' because I am not paying the incorrect payment amount they keep saying that I owe. I have been paying an amount that was provided to me by XXXX of their employees. As soon as today, the Town again faxed the correct tax amount due to the bank ... ..who just recently made a payment to the town that Was not due until XXXX XXXX. I do n't know what to do with this bank. They seem to be unable to correct something that should be simple and with no hesitation. There seems to be poor communication between their departments. Please help. I have plenty of documentation that I could sent. It would take me some time to organize it all ... .as there is a lot of it.

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 2015-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: KY

Complaint narrative:
Received XXXX calls from hidden number. Finally answered referred me to another number with a file number. No clue what loan they are talking about have all my information including ssn they read it off to me over the phone! called my boss at work and said they were going to call my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
I have a checking account at US Bank. I went to XXXX XXXX XXXX XXXX XXXX, 2016. I used my debit card. After I returned to XXXX starting XXXX XXXX through XXXX XXXX, 2016 charges were made on my account in XXXX XXXX XXXX, and I also was penalized with NSF fees due to those withdraws.

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 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
my parents have checking account with US bank. My father was financial one.They were overseas and father died in XXXX. XXXX is sick staying in XXXX ca n't make it back. We arranged for me to be her POA and file that with US bank. There were unauthorized charges made on mom 's debit card. We have filed this with fraud department. her card was cancelled and took 2 months to receive new XXXX after numerous calls which XXXX cost my mom {$250.00} because calling from XXXX. Bank 's free ph # did not work from my mom 's location.Here only access to her funds is with her debit card getting money from atm. We have repeatedly told US bank not to use her temp address in XXXX as it prolongs any procedure. She has local XXXX XXXX XXXX that we supplied bank with. And again some form necessary to return in given time was mailed to XXXX which resulted in not being returned on time and her card is on hold so again no access to her funds and to her social security checks! This time I tried calling again fraud dept after 40 mins and after XXXX different people no one could help me and I got hang up on. Local branch ca n't help I was told we have to deal with fraud dept. I tried calling again after 15min hold I had to hang up I 'm at work and ca n't spend half day on hold. This has been the worse institution to deal with ever and specially considering it is about my elderly sick mother who is still mourning her husband and should not have to deal with this! This is just a nutshell we have been dealing with this since XXXX XXXX, 2016. I am very disappointed and do not know what else to do to get this solved.

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 2015-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I attempted to withdrawal funds from my prepaid account with XXXX. at a US Bank sponsored ATM on XXXX XXXX, 2015. The ATM did not dispense the funds but debited the {$240.00} transaction from my account. I went into the branch to find out what my options were and hoping that they would give me the funds that their ATM that they are responsible for did n't disburse only to be treated like I was some kind of bum off of the street begging for something that did n't belong to me. The banker kept indicating to me that there was nothing they could do that the ATM would need balanced and then I would need to file a regulation E claim with my financial institution. The branch manager never showed his/her face after repeated requests to speak with an authoritative figure and I left the branch in tears and without my money. It has been devastating to me over the last few weeks because I have taken an unexpected {$240.00} hit only to be told that if their ATM balanced out that there would be absolutely nothing that could be done to reimburse me. I even told the XXXX at the branch that if the ATM balanced out that meant the gentleman behind me in the line at the ATM received my money, but she reassured me that that would never happen. I contacted the executive offices of US bank only to be told there was nothing they could but wait for the transaction to process. The transaction has finally processed and my financial institution has filed a regulation XXXX claim with US Bank ... but I am again advised by US Bank that there is nothing they can do to expedite my request for reimbursement because their ATM is serviced by a XXXX party and it is up to the XXXX party 's processing time frames. I am still without {$240.00} here almost 2 weeks later. I am not rich ... I am not even middle class. I have fallen behind on bills and am incurring fees because of late payments due to this issue. Why was n't I put first? Why did n't the branch manager of US Bank address me and give me my money and indicate they would handle the back end issues on the back end? {$240.00} would have been a small price to pay for XXXX of the largest financial institutions in the United States to keep a smile on a my face and prevent me from going through hell over the last two weeks. but they did n't and I am still without and my XXXX children that I work hard for every single day are still without ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation