vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
pull up XXXX or XXXX on my online statement, its gone ( ironically ). THis is NOT the first time they did it, they have allowed XXXX XXXX to take money from me XXXX three times and said well if you authorized it once who is to say you didnt allow them to take it again ( which I didnt, I cancelled the account ) and they also did this with an depposit back in 2014, we made a deposit back in 2014 and the amount total we put down for the deposit they said was wrong, we kept doing the math and it was correct but they kept saying no your XXXX dollars over, well 2 years later, they send us a letter saying 'we made a mistake in a deposit you made in 2014, the original deposit amount was correct so we are sending you a check for the amount that was taken out ) now the account would NOT have been closed but THEY closed it after I kept calling about the charges to XXXX XXXX and I would NOT stop trying to get the money back they allowed a company to take without permission so they closed the account said thats done ...

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 2017-02-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WY

Complaint narrative:
XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP
State: WA

Complaint narrative:
Received a phone call from a XXXX XXXX demanding me to pay a US Bank account over drafted back XX/XX/2003. She threatened to have a sheriff come to my work and serve me papers, now they have called my head boss at admin and told her that they want to serve me papers. I have spoke with our local sheriff who advice me to get in contact with you about what is happening. The contact number they have told me to call are the following : XXXX. Their address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I want them to stop calling me ... this is very scary!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear XXXX. 
I offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. 

Thanks for your time and attention XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We submitted a short sale to USbank on XX/XX/2016. They collected documents and had a complete file on XX/XX/2016. It has been 96 days since the short sale was submitted. They have not even ordered and appraisal on this case.

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 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I atempted to open a businress checking account with US Bank and was sent on the run-around XXXX times. I was told different things each time I went to the bak, Then I was left siiting for a prolonged period of time only to be told that they were closing. Finally, I was told that because I had a negative balance one day a couple of months ago, that I could not open the account. I tried to explain that the negative balance was due to someone else using my card numer of which I had filed a claim on. However, uS bank employees were determined not to open the checking account for me after taking copies of all my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I purchased a home on XXXX XXXX XXXX and sold my home the following day. The closing statement paid interest to XXXX XXXX. When I applied and received the mortgage for the new home it was with XXXX. XXXX sold this mortgage the following month to US Bank Home Mortgage. I had made XXXX payments of over {$430000.00} in total on XXXX XXXX and XXXX XXXX of which the larger payment was for {$430000.00} and applied to principal. The smaller payment for the regular mortgage payment due XXXX XXXX was {$2500.00}. This payment was not applied based on the payment date for 4-5 days of interest and was allocated as the XXXX XXXX amortization schedule as if the loan was outstanding in full for 30 days. XXXX eventually corrected this error after several interactions but not before the incorrect information was provided to US Bank Home Mortgage. 

I have an amortization schedule from XXXX showing the balance at the transfer was {$49000.00}. When US Bank Home Mortgage took over the loan they recorded the balance at {$51000.00}, which is off by {$1600.00}. 

After contracting customer service three times to no avail and appealing their reply I am left with the loan balance being carried with the incorrect balance and my subsequent payments are being applied based on an incorrect declining balance. 

I have two letters ( virtually ) identical from the Customer Service Research member of the US Bank mortgage division ignoring the information I have provided including copies of payments out of my bank, the closing statement, the two amortization schedules reflecting the difference I am outlining. 

XXXX admits that the original information provided was before the required correction based on the payment dates but so far nothing is affecting the loan balance shown by US Bank Home and the overstatement of interest expense and balance.

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 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: DE

Complaint narrative:
I discovered I had an account placed with NCC, Nationwide Credit, while pulling my own credit report. I called them immediately and arranged to pay in full, though I am STILL unaware of what the charges are for. We are in the process of home buying and I wanted the account removed as quickly as possible. I was VERY explicit that I would pay the account in full, as long as the collection would be DELETED or REMOVED from all of my credit files and NOT merely updated to reflect a 'paid ' status. The employee I spoke with, XXXX XXXX, assured me that it would be DELETED and not just updated. I agreed to make payment, based on that conditional understanding. After the account was updated, and NOT deleted as agreed, I called them back at which point XXXX other employees apologized, but informed me that removing the collection was not possible. This agent was dishonest and deceitful in obtaining payment. She served as an extremely poor representative for this business, and for the hospital, XXXX XXXX XXXX, that hired this agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I applied and was accepted for a US Bank XXXX XXXX Visa signature, which advertised a XXXX award night free on all stays booked with points while holding the card, along with other benefits, for paying the annual fee. I received notice a few weeks ago that the benefit was ending as of XXXX XXXX, about 6 months of the way through my XXXX year of having the card. I applied for the card, and suffered a hit to my credit score, primarily because of this benefit, and having it removed is a big blow to its value. I called the bank and asked for some form of compensation, and they were only willing to give XXXX points, which is worth about {$15.00} maximum, nowhere near the lost value of the benefit being removed. I feel like this was a bait and switch on the part of US Bank, as I applied for this specifically for a benefit that was promised, only to have it removed shortly thereafter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My lease with US Bank expired after i paid my last payment on XXXX/XXXX/2016 and returned the car on XXXX/XXXX/2016. I called US Bank XXXX, and they still keep on taking out the monthly automatic payment that i was required to start. there is NO way to turn this off via their web site. I spoke with XXXX customer service rep 's who do n't know how to turn off the automatic payments when they have the returned car. I spoke to a Manager XXXX XXXX who also said it would not be taken out. However, it still took my money without any remediation. They owe me and many other end of leasee 's who kept on taking money out of account after lease ended. They owe me {$250.00} returned immediately.

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 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Where do I begin? This is my story long story short. In late XXXX I submitted a bid on a house. I pulled the plug on the loan process in mid XXXX. The process was terrible. My credit was pulled XXXX times. I was told by my loan officer that she was being sabotaged by her co workers and that they were hiding my paperwork from her. My loan officer sent me XXXX pages worth of someone else 's loan and personal information and asked me to sign it and when I told her she chanted " I 'm only human ''. The loan officer missed our close date XXXX times causing Us Our lease on our home and almost the sale of the house. She ignored phone calls to my self or others involved with the transaction. The loan officer demanded me to put my down payment in a U.S. Bank account that day so I did and I went to pull it out later after pulling the plug the teller wrote the check wrong XXXX then crossed out the number and attempted to write over it. I told him it is a legal document and that he ca n't just cross out information so I had to write the cashiers check ... that should be on tape at the bank. The loan officer or someone in the process labeled by appraisal wrong and cost us time and our deadline for them to re do the appraisal. This was the worst experience of my life. My credit has been negatively impacted which is compromising my future financial situation. We wanted to finance a new barn and lawn mower for our home now what do we do? I was so nervous and depressed about this i cried most days and in the middle of work when she would call and ask me where my paperwork was. Talking with manageMent did n't help as it seemed as if they were reading preprinted angry customer rederic? I did n't have faith in US Bank after this. I am in the midst of interviewing a different bank to take over my car loan because I have serious doubts about US Banks abilility to handle money, billing or the responsibilities of customer service or having anything to do with financial anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 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 received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AND THE CREDITOR IS US BANK AND THE AMOUNT OWED IS {$370.00} I NEVER OWED US BANK THIS MONEY BECASUE I REPORTED AS FRAUDULENTLY. ACCOUNT # XXXX. THIS IS AN OLD ACCOUNT. 
US BANK NEVER PLACED BACK MY {$42.00} THAT WAS CHARGED TO ME AFTER I SENT THEM A LETTER AND RECEIPT INFORMING THEM FROM THE PERSON OR PERSON WHO USED THE MY CARD. 
I REPORTED THE {$42.00} AS FRUAD. THEY REVERSE IT BACK TO ME. 
ALSO I REPORTED A CHARGE OF {$20.00} and {$23.00} as fraudulently. 
THE LAST XXXX WAS USED ON CARD NUMBER ENDING IN XXXX. 
THEY HAVE NEGLECTED TO REIMBURSE ME MY 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 non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied for a loan of $ XXXX with U.S. Bank XXXX USB ) on a condo purchase of $ XXXX. Closing date set for XXXX/XXXX/2015. USB failed to meet closing on that date, failed to meet adjusted closing of XXXX/XXXX/2015, failed to meet readjusted closing of XXXX/XXXX/2015 and as of this evening, failed to meet latest closing date of XXXX/XXXX/2015. At all times, communication with USB has been XXXX with constant reassurances that everything is OK, but then communication ceases and goals are not met. In addition to having to explain " Domestic Partnership '' to a bank doing business in California, the most recent hurdle was telling me to change the purpose of the purchase from " XXXX Home '' to " Income/Rental '', which changes the interest rate that was originally agreed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
We refinanced our home several years ago and the loan was sold to US Bank. It has been horrible ever since. We have never been late with a payment on our mortgage. US Bank deliberately makes paying the loan difficult. I can only occasionally access my account online - they have the worst website ever. Sometimes I can log in, other times I ca n't. It will say my password/ID is n't in the system. I 'm stuck having to write monthly checks to mail in stead of the paying online. I think they do this in the hopes of the customer being forced to make a late payment so they can tack on big fees. I called customer service about it and she gave me some insane excuse that I needed to use a different search engine??? That makes no sense at all. It does n't matter whether I get to their website via explorer, Chrome, etc. the result is the same. They also overcharge every single year for escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US bank claimed that I benefited and/or authorized charges in XXXX and XXXX of 2016. US Bank, on a recorded line, claimed that the signatures matched on the receipts and that my voice matched the voice on XXXX recordings. I asked for evidence that supported the claim and US bank provided XXXX receipts and XXXX copies of known signatures. A professional handwriting analyst who wrote there was " no indication '' that the signatures were mine. I provided US bank with that analysis by certified mail and US Bank ignored that document and did not provisionally credit my account while they reviewed my documentation nor did they provide an alternative analysis. I also requested from US bank for proof that I authorized this account, again by certified mail, and US bank did not respond. 
US Bank violated TILA by not provisionally crediting my account when new and substantial evidence was presented and US bank again violated TILA by not providing proof of indebtedness upon request.

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 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information.

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