davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NV)

US Bank has changed the terms applicable to it 's XXXX XXXX credit card, after the payment of the annual fee. The application specifically states that the holder receive a XXXX night 's stay free for each award night booked, and the compensation for such is the payment of the annual fee. 
Now, the Bank purports it can adjust the terms of it 's contractual obligation after the annual fee had been paid. 
Reference is made to the following advertisement for the credit card which clearly states the benefits are in return for payment of the {$75.00} fee. The only proper resolution is to continue to provide the benefits until the card anniversary. A refund of the fee is unacceptable as the contractual obligation of the Cardholder has been met. CFPB should require specific performance, as the value of the XXXX free night far exceeds the annual fee. The Bank does not have the protection of XXXX v. XXXX as it is not an airline and can not make at-will changes to the program after payment of the annual fee. 
XXXX referral=commissionjunction
Consumer complaint received 2015-05-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP ()

Today, XXXX XXXX, 2015, I went with my son to my local branch of US Bank to cash his federal tax refund check. My son does not have any bank accounts as he does not make enough money to justify opening any accounts. The bank would not cash the check without him having an account there because they said it could take up to seven years for the check to either clear or bounce. They said it would be the same at any bank and suggested a credit union might do it. I am outraged that any American bank could refuse to cash a federal check. As long as you have your identification with you, you should be able to cash a federal check. Now my son has to go to a liquor store or a check cashing service who will take part of that check just so he can get some of his money.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

I 've been getting harassing phone calls at home and and work from an attorney office for a loan i had with XXXX XXXX. I told them to stop calling me on numerous occasions over the phone and I even sent them an email telling them to contact me by mail only. They are putting my job in jeopardy every time they call.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MD)

I was charged {$170.00} in a foreign country by a travel agency under false pretenses. I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

I am writing to request a justification for US Bank charging {$5.00} for me to make my mortgage payments online. Is it somehow more expensive for you to manage online payments than to process physical checks? I would think it is actually cheaper. I pay all of my bills online, and this is the only one that charges me for that " special privilege '' in 2016. I feel this is an unfair business practice and can not be justified with a business reason.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (TN)

Recently, a representative with U.S. Bank National Association encouraged me to sign up for a feature that will cover any Debit/Check transactions, and still charge you the {$36.00}. They said whether or not the charges are actually covered, is up to the Bank 's discretion. And what I have found, is that the Bank actually covers only XXXX-XXXX % of those charges, thus setting up a system where they can be resubmitted by the Creditor to U.S. Bank so that I will be charged recurring {$36.00} fees. Furthermore, recently I made a trip and made XXXX-XXXX purchases with my Debit Card. At the time of purchase, all of these charges were covered by current funds in my account. But due to the 4th weekend, they delayed processing them for several days, and because I had a subsequent purchase after that fact, they ended up charging me about XXXX-XXXX {$36.00} Overdraft Fees. After speaking with a representative over the phone, They did reverse XXXX of the fees, but I was still left suspecting that U.S Bank National Association is manipulating the system and the time frame in which they cover charges, to maximize the number of NSF and Overdraft Fees they can charge a customer. This is illegal and criminal and should not be allowed to continue. I can imagine the Class Action against USBNA is going to be in the XXXX of $ 's.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (VA)

I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IL)

I have opened a short sale and submitted a complete file as of XXXX/XXXX/16. To date, US Bank can only tell me that the file is stalled in quality control. XXXX, huh? Ten weeks in quality control!
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (MD)

My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee.
Consumer complaint received 2016-12-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

US Bank charged me an overdraft fee of {$36.00} because I did n't have money to cover the monthly account fee of {$6.00}. My account was already negative by a few cents - {$.00} when the monthly fee was charged. Once the monthly fee was charged on the account, the balance was - {$7.00} and therefore us bank charged a fee of {$36.00}. It is not fair the bank is charging me overdraft fees because I did n't have the money to cover their monthly fees. And besides the {$36.00} for a charge of {$6.00} is outrageous. I would appreciate if you can help out US bank customers. This is not the first time they charge me a fee of {$36.00} for going negative for less than {$10.00}. Other banks at least have tiers that would not charge an fee that is 4 times the negative amount.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CO)

Hello, US Bank has charged me 7 Overdraft fees that are due to a bank error. I had a pending transaction that dropped off and never cleared my account. During the time that the charge was pending and now, US Bank has charged me seven overdraft fees due to a pending charge that NEVER hit my account. This is a violation of my terms and conditions along with the funds availably act. US Bank can NOT charge me a fee for being " overdrawn '' if the charge never hit my account. After speaking with the rep, she told me I would need to call back later since all the managers were in a meeting ... She then told me if I wanted to, i could go to my branch, and they could look at my account. 

She basically just tried to get me off the phone and have me go to my branch ( which is closed .. hence why I am on the phone ) if I wanted something to be resolved. She insisted that no one could help me fix something that they did in error. 

I would like for the fees to be waived. I will be closing this account.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS (CA)

A collection company named, XXXX XXXX XXXX , XXXX, ( XXXX ) owned and operated by D, Scott Carruthers has violated my rights under the Fair Debt Collection Practice Act ( FDCPA ) by attempting to collect a debt outside the statute of limitation for collection. XXXX also filed a collection lawsuit for the debt, which was outside of the statute of limitations of four years in this state. The debt was with a company called XXXX, which went delinquent and into collections in XX/XX/XXXX, and was Charged off by as a bad debt at the time. XXXX XXXX XXXX bought the debt for pennies on the dollar in XXXX and are attempting to illegally collect a debt outside the statute of limitation, and trying to collect XXXX times the original amount ( {$3800.00} ), which according to the FDCPA is also illegal. XXXX XXXX XXXX started their tirade back in XXXX XXXX by calling my job and threatening me on numerous occasions, until I demanded their office stop calling my workplace. XXXX XXXX XXXX and D. Scott Carruthers has threatened me, harassed me and are now filing an illegal lawsuit for collection of a debt that according to federal law is an illegal attempt to collect. Furthermore, XXXX XXXX XXXX has knowingly acted outside the law and have no respect for it, because Carruthers and XXXX XXXX XXXX never formerly served on the lawsuit in accordance with the law. XXXX 's sole purpose is to bottom feed by taking advantage of folks that were subject to financial misfortune during the housing market crash in XXXX, which I was a part of. I am asking that Mountain Lion Acquisitions, and D. Scott Carruthers be held accountable for their illegal acts, and everything they filed with the courts be rescinded, and they remove the Judgment notice XXXX 's and D. Scott Carruthers reported to my credit reports, which was filed erroneously, and was outside the statute of limitations for collection. Additional, XXXX XXXX XXXX , XXXX and D. Scott Carruthers lawsuit and reporting to my credit report has caused me not to be able to secure a personal loan of {$50000.00} as of XXXX XXXX, because of their erroneous reporting to my credit report. A Financial Representative from the company I applied to specifically asked me about the judgment, which was reported as of XXXX XXXX, which I was not aware of until then. furthermore, XXXX and D, Scott Carruthers filed a lawsuit without properly notifying me of the lawsuit, which again is against the law. Your assistance in this matter is greatly appreciated. Thank you.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DC)

XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in XXXX XXXX.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I purchased a vehicle and the dealership pulled from XXXX other finance companies. The credit inquiries were being counted as individual ( XXXX ) vs as only XXXX for car shopping. This occurred within a 12 day period. I disputed the information as the inquiries show individually causing an unfavorable credit report. Experian has done nothing to correct this matter despite my disputes. I also attached a few letters from creditors that sent requests to remove inquiries from my report to Experian and only XXXX has been removed.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian is reporting wrong information on my credit report. I tried to dispute this information but they will not allow me to do so. My report # is XXXX. I viewed my report online as I am trying to obtain a mortgage but not able to do so because of the accounts they are reporting with teacher 's federal credit union. There are XXXX accounts reporting with this bank showing as negative/charged off to a bad debt. There is one for {$6600.00} another one for {$860.00} another one for {$7500.00}. and another one for {$860.00}. I only had XXXX loan with teachers and that was for {$6600.00}. I did not have all these loans. Last month my credit report showed {$6600.00}. and {$860.00}. now there are XXXX more added. This is ridicilious as they will not let me re-dispute this wrong information and they have no right to add XXXX more negative balances to my report. I wish to file this complaint about experian credit reporting company.
Consumer complaint received 2015-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M. G. Credit, Inc. (FL)

AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (NC)

I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. XXXX ignored my letter even though I had it tracked and know they received it in XXXX 2015
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Closed credit card account with a company called XXXX, paid account in full. XXXX sold off to XXXX Bank, which contacted me years later about closed account, I provided them with receipts showing closed account and payment of XXXX or so dollars. Was contacted in XX/XX/XXXX by collection agency and hounded about XXXX account, informed them that it was paid in XX/XX/XXXX. Was cursed and sworn at by guy at collection center and never heard from them again except by mail, I mailed back forms with dispute. XXXX found out thru Experian that I was given a charge off in XX/XX/XXXX with negative credit report.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due