vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX XXXX around XXXXi went to us bank drive up atm..I went to withdrawal XXXX in process it said unable to process transaction and then atm went down.I even took picture of atm.I called my bank while still St atm filed dispute and even went into bank to tell them atm went down but XXXX still was deductedfrom balance.teller told me file dispute nothing they could do.well us bank went give me my XXXX they said I got money but if they pulled camera they would see different.this is not right

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 2015-04-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I open an account with US Bank XXXX 2016 they were offer an {$100.00} reward if you open an account have a direct depost they will give you {$50.00} and the other {$50.00} you will get once you pay a bill ..I set up direct deposit .. did not get the {$50.00} I paid a bill did not get that one either. So in XX/XX/XXXX my account became over draft and i do have that protection they charge me {$36.00} twice and then turn around and charge me {$25.00} twice so i call to see if we could resolve this and they told me that i have another {$25.00} dollars that will be charge on Monday I said I have my SSI check coming on XX/XX/XXXX in all I think that i have paid {$140.00}. dollars in over draft 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 monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX XXXX ( before XXXX ), I went to a US Bank Branch to deposit my severance check and was told it may take a bit longer to have the funds available to me because of the size of the check. I pretty much ignored that because I know that the size of the check does n't matter. Once the funds are cleared from the issuing bank I should receive my funds. Unbeknown to me, the Manager on duty had placed a hold on my account where I would n't receive my funds when they cleared but almost 12 days later. All he asked me was if this was a Loan check since it was from a Mortgage company. I said no, that it was my severance check and I had n't been paid for two months and needed the money. He did note that the account was an employee account ( XXXX ). He did n't look at our account history of XXXX years of impeccable performance or do any research that would show large transactions from time to time were normal. 
Three days after the deposit, I spoke with a former coworker who received his check at the same time and his funds were available to him. I continued to check my account to determine if the funds were available and they were n't. We were forced to take an advance on our reserve line so the checks we had written and would n't clear before XXXX XXXX ( plenty of time to allow the check to clear ). 
Finally I called the Customer Service department to learn that US Bank did indeed have the funds from my former employer but would n't give them to me because the Bank employee placed a hold on the funds. He did NOT provide any type of rationale for doing this nor could any other person determine why he would do that given our credit and history with the Bank? Basically, this allowed US Bank to steal from me since the money was in their possession, they were earning interest on it not me. My belief was he thought it would be 'fun ' for him to watch us suffer further pain and embarrassment since I 'd lost my job and needed the money to cover bills. 
This is totally unacceptable discretion for a person to have this authority and not have to justify why they would place a hold on someone else 's money!!

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 2016-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with them ). These documents include numerous bank account statements ( not from US Bank ), brokerage account statements ( not from US Bank ), and two years of tax returns. Included in the documents that they asked us to sign was permission to share information within US Bank and to contact us with solicitations. My complaint is that they will not delete my sensitive financial information that was collected under the false pretense that I might be eligible for a refinance with them. None of the sensitive documents were the basis of the denial for the loan. They had the information that I was employed for less than two years on day one and in the initial documents signed disclosing the fees. I do not think that they should keep my financial information on file that they justified collecting due to " human error ''. Note that they continued to request documents over approximately 7 weeks with numerous people looking at the information ; all when they had the information on the first day that the answer had to be " no ''.

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 2015-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US bank for the past month has put a hold on my account due to a returned check. Since XXXX I have been having problems with them, they have closed a couple of my accounts without due diligence of verifying any information with me and have also opened account without my authorization under my name. US bank has been refusing to give me specific accurate information about my checking account. They were stating that I have a check that they were unable to verify, but it did get deposited and instead since they are not able to verify, they will just deduct that money from my account they are forcibly closing and then send me the remainder. US bank had restrictions and a hold in my account where no deposits or deductions were to be made, but they still let another deposit in the account and continue to deduct money without my authorization. US bank has been unprofessional and their communication about my funds that I work hard for has been incredibly a big financial issue and stressor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I filed a fraud claim for a {$200.00} charge listed as " XXXX XXXX XXXX XXXX '' on Friday, XXXX XXXX, 2016. This transaction was done without my permission, and I have never done business with or heard of this company. I was told by the fraud representative that the provisional credit would be issued between 7 to 10 business days, because it was not a pin based transaction ( pin transactions take longer to process since someone else has your pin number ; signature transactions only take 7-10 business days ). 
I called in to the fraud department on Wednesday, XXXX XXXX for a status update. According to the representative, there was no case processor assigned to my fraud claim yet, and no provisional credit was issued. The representative stated that she put in a request to have a supervisor in the " claims processing '' department call me back ; no one called back. 
I called again on Friday, XXXX XXXX for another status update, but was told that the " claims processing '' department may short staffed due to the Holiday weekend ( good for them, but horrible for me because I have nothing in my account due to some card hackers ). I was told by an escalations representative XXXX M ( located in XXXX XXXX, Kansas ) that she would not be able to transfer me to " claims processing '' and that there was no supervisor above her that I could speak to regarding the issue ( even though the previous escalations reps that I spoke to told me to just call in after XXXX to be transferred to that department ). Nothing was resolved and it was the 10th business day. 
I called again this morning, Saturday, XXXX XXXX, and spoke to another representative that gave me the " claims processing '' department 's phone number and advised me to call in on Monday. 
Because of US Bank 's laziness regarding my fraud claim, it is now the holiday weekend and I have no money in my account. This is unacceptable. A thief used my debit card number fraudulently, and I am the one being punished for this. I can not even afford to pay my half towards the rent on XXXX XXXX, because the funds have not yet been returned. 
There needs to be some form on recourse for this ; I was lied to by XXXX XXXX in XXXX XXXX, Kansas regarding speaking to her supervisor and/or the " claims processing '' department, and was told that no one was above her and that " claims processing '' does not have a direct phone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: OH

Complaint narrative:
I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have a US Bank XXXX XXXX XXXX credit card. Recently, US Bank has changed major benefits of the credit card. 
The most significant change was the elimination of the second free night award redemption as of XXXX XXXX, 2015. 
This was the single best feature of the this card that made it worth while of the annual fee. Had this benefit not been available, I would not have applied for this card. 
Also, starting XXXX XXXX, 2015, that benefit was replaced by an annual free night when you spend {$10000.00} on the card per year. However, you had to spend {$10000.00} in the previous year prior to the statements with the next annual fee. Because of the start date of XXXX XXXX, 2015, I only had 15 days to spend {$10000.00}, which was not enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received a letter notice in the mail that both my checking and savings accounts were going to be closed within 10 days the only reason given : " in accordance with your deposit terms and conditions, please be advised that we have elected to close your deposit accounts with us. '' I have been a customer for over 10 years and always had accounts in good standing, never over-drafted or used money transfers or any other negative or risky activity. Several other family members and business associates have received the same notice the same day. How can they just close accounts, causing significant business and personal disruption, without reason? US bank Branch Managers were not able to provide further information, as they also could not find information. Upon calling the " Account Review Department '' I learned they had reviewed my accounts and by committee decision decided to no longer support my banking. But they would not tell me the reason, or what spending flagged a concern or if there was a financial relationship that was a problem. The reason they provided was that just as I had the right to leave the bank they also have the right to kick me out. I am very concerned that there is discrimination, or financial risk I should know about or that I am exposed to someone or some regular spending activity that is dangerous or illegal. Or they are simply abusing the consumer by not supporting the banking I do, which seems to be fairly normal household banking. All local and all accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US bank advertises offers for business credit cards on their website and other affiliate sites. On XXXX XXXX 2015 I applied for a business credit card and a week later I received a rejection noticed with the following cited as the cause : " Residence is outside of trade area ''. I contacted US Bank and inquired about what this meant, the representative said that it means they have no branches in this area. I asked why then I get offers from their bank mailed to me. The representative indicated, that if the application had been submitted in response to a " mailed offer '' they would have processed the application, but because I went on their website instead, the application had been rejected. 

I believe that the merchant 's practice is deceptive. When an application is completed on their website they collect ALL my information, including address and phone numbers. If as a bank they do not review applications from customers located outside a specific area, they should not be allowed to send their mailings to such area and they should not be collecting sensitive information without first ensuring the applicant can be serviced by them. ( all it takes is an address script to be ran on their website and for the first information data set to be the address ) Anyway, the public should know upfront if they have service area restrictions, instead of pretending they can serve all areas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Had a number of events that led to getting behind on our mortgage. We have been trying to get a loan modification for over a year now and our mortgage company keeps denying us saying our income to debt ratio wo n't allow them to help. I have contacted hud and XXXX other organizations that say our income now is more than sufficient to make payments to get caught up. Our mortgage company US Bank will not return phone calls or give the organization trying to help us any information on trying to resolve this matter. The other reason we were denied is because I 'm presently employed which makes no sense to me. Me and my wife are willing to do whatever we can to resolve this issue we just need a chance to get back on track

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: WY

Complaint narrative:
Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
U.S. Bank gave us a predatory Loan that we still hold on to this day. The Attorney XXXX XXXX of Oklahoma, never demanded that they fix the loan, and used the money for the XXXX in his state for travel, dining out and other inequities. This is a disgrace to the consumer when you do not know when your home will be paid off.

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 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Principal Group, LLC
State: CA

Complaint narrative:
I do n't know who this person is. He calls shouting my name as loud as possible. Demands to know where I am. Wants to know when I will be home. Calls family members over and over again as many as XXXX times in a day. Called my daughter in XXXX XXXX, Called my Son in law, called another daughter in Arizona and stated he has a case number. Calls me all day long but will not identify himself. Left this number with daughter in AZ.XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX/XXXX/16, I received documents from US Bank dated XXXX/XXXX/16 stating I was approved for a deed in lieu if I complete the agreement. On XXXX XXXX, 2016, my security alarm was sounded due someone broke into my home. The XXXX locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to XXXX back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, XXXX XXXX was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. When I contacted US Bank I was told they did n't do it & my account was referred to a third party, XXXX. US Bank contacted XXXX and they stated they did n't do it either ( an invoice attached ). I also contacted the XXXX & XXXX law firm since I received papers regarding the deed in lieu that went with the other papers. They also said they did n't do this either. No one is taking accountability for this. The US Bank rep stated in their database I had to vacate the premises by XXXX/XXXX/16. I have not received any official documents stating when to vacate the premises. My last payment arrangement is due XXXX/XXXX/16. I informed the rep did n't you see my 1st payment & that I am in an arrangement so this could n't make since. I had to replace my locks and my security alarm had to get serviced since they damaged the sensor on the front door. I have attached my certified payment receipts received by the banks, my last payment made to the bank which should be received to them on XXXX/XXXX/16 per the postal service, pictures, letters from the bank with details, etc. My privacy has been violated and feel humiliated. I have had sleepness nights. I 'm very concerned that they will break into my home again and evict my belongings. I am very upset by all of 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