vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This complaint involves more than the original credit card company. 
I had credit life/XXXX insurance on this credit card, as I was XXXX. 
On XXXX XXXX, XXXX, I was XXXX. 
I contacted credit card company shortly after my diagnosis, due to a need for the credit life/XXXX insurance to go into effect. 
Upon receiving the necessary documentation for the insurance company, my physician filled out the documentation and sent it to the insurance company. Once the insurance went into effect, the credit card company did not bill the insurance company until after the due dates of monthly payments therefore, late fees were attached and interest rate skyrocketed. I tried many times to resolve the matter with both the credit card company and the insurance company by telephone, but each blamed the other for the misgivings on the account. When I asked for a manager from the credit card company to call me, in an effort to resolve issues with the account, I never received communication from a representative who could correct the misgivings with the account. 
The account was sold to a debt collecting company on XXXX XXXX, XXXX, who not only harassed me by phone, but who also sent a private investigator to my home on several occasions, who left notes in my mailbox, and would pound on the doors to my home. 
I acquired an attorney who represented me in the matter, the case was dismissed in court without prejudice, on XXXX XXXX, XXXX, but the debt collecting company has out sourced collection to another agency. The original debt collecting company continues to report this as an open account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: National Principal Group, LLC
State: AL

Complaint narrative:
They have XXXX different names : NPG, XXXX XXXX XXXX and XXXX. I have a answered several calls from this scam. They say they are gon na have the sheriff serve me with papers at work, then have me arrested, then sue me. These people are the most unprofessional, soulless, rude scammers. When I tried to find out what kind of company this was, I was hung up on, the first time. The second time I was refused a supervisor. The third time I was transferred to someone that called herself a supervisor who still just tried to get personal information from me, when I refused she said good luck in court and hung up the phone. I speak directly to any company I do business with. This so called company needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I believe what happened was a system error. I normally pay my cards online and I remembered making my payments for those months ; I have not missed a payment since I had the card. It could have been a system error and the payment was not processed. I also was never notified about my late payments- no phone calls, emails or mail to inform me about the late payment. I only noticed that I had missed payments when I checked my credit profile online. I have already contacted US bank and settled this issue with them and told me to explain my situation here. It was an honest mistake, simply overlooked the accounts and did not catch that the payment failed to go through. Since this never happened before, and is affecting my credit greatly, I am requesting that this report be removed from my account. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. 
I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. 
During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. 
When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! 
I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! 
To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a XXXX XXXX credit card with US Bank. I have been discriminated against. I do n't know why. Around last year, they ended one of the perks that was promised when I signed up for the credit card - it was the book one night get one night free. As compensation for discontinuing this perk, they were crediting account holders with free nights. I thought this was applicable to all account holders so I contacted them to ask why I was n't credited with free nights. They denied giving me any free nights. They provided no reason as to why I was denied. I know for a fact that they compensated other account holders. It 's an arbitrary and discriminatory system as to who they chose to give the free nights to. This should n't be the case since their removal of the perk affected all account holders equally. Unfortunately, I was one of the ones who they felt did n't merit fair and equal compensation. 

I 've been a loyal card holder that has never been late with my payments. I do n't know why I was singled out and discriminated against.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have an open and current account with US Bank for the XXXX XXXX XXXX XXXX XXXX XXXX. 

In the XXXX 2017 statement for my card, I observed a discrepancy with the calculation for earned XXXX rewards points for the charitable donation transactions. 

According to the program rules for the XXXX rewards program, the XXXX XXXX XXXX card earns points " at a rate of XXXX XXXX per every {$1.00} in Net Purchases during each billing cycle for any merchant location that classifies itself as a XXXX. '' All the transactions on that statement were from merchants that classified themselves as a XXXX, according to the report on the statement generated by the ScoreBoard tool available in my US Bank online account. With a closing balance of {$1200.00} on the statement, I expected to receive XXXX XXXX XXXX = XXXX XXXX points for those transactions. Instead, my statement only reported XXXX XXXX points earned for that activity. 

I believe that XXXX transactions for XXXX XXXX XXXX totaling {$690.00} were not counted as charitable donations, which would account for the discrepancy I observed. 

On XXXX XXXX or XXXX XXXX, 2017, I used the " Email Us '' contact form in my US Bank online account to request an adjustment in the number of XXXX points earned to be consistent with the XXXX program rules, in light of the observations I made. This contact was acknowledged in an e-mail reply I received on XXXX XXXX, and on XXXX XXXX, I received a letter in the mail from " Cardmember Service '' in response to the request I made stating that " XXXX XXXX XXXX is not an eligible service organization '' and therefore, I would not receive bonus points due for charitable donations. 

I did not receive any explanation for why this determination was made, given the program rules and the observations I made, so I am wholly unsatisfied with this response from US Bank and I feel that my complaint did not get due consideration.

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 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to provide my credit report to companies that do not have my permission or authorization to receive this infomation. As such, Equifax is showing XXXX hard inquiries on my credit report in the last 2 years, when in fact it should only be XXXX, max. I have reached out to equifax and have been told they do not remove inquiries and that I need to contact the companies and ask the companies to remove the inquiry. Several of the companies have indicated they did not request my report and do not show an inquiry to request removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I called the XXXX number because they were several {$36.00} fees on my account. I have n't called to have any of the fees waived on my account in years. I am disable and I asked the young lady XXXX employee # XXXX could she waive any of the fees. XXXX advised me that US Bank do n't waive any fees. When I asked her for a number to someone that I could speak to that 's over her. She gave me a p.o.box nnumber. I have been a customer at US Bank for over XXXX years and have even recommended family members to open up an account. I felt that the young lady was very rude and was n't even trying to work with me. To loose a customer that 's been a customer for years over {$72.00} fee is insane. Before I became XXXX I worked with many customers in order to make them happy. An employee like XXXX employee # XXXX could give US Bank a bad name with consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in XXXX 2016 and that there was an overage in my escrow account ; I was owed {$330.00}. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold {$15.00} as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I escalated this to their customer advocacy group without success. They mailed me a check for {$320.00} ( minus the {$15.00} ). It frustrates me that the bank believes that they have no responsibility to return the money owed to me apart from dropping it in the mail. Turn the tables, imagine if a mortgage payment was lost in the mail ; I doubt US Bank would let me charge them {$15.00} to reissue another payment. I have been a long time customer and am discouraged that the bank would go to such great lengths to withhold {$15.00} from a customer.

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 2015-12-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
In XXXX I signed up for a XXXX XXXX XXXX credit card from US Bank. I met the minimum spend but was not awarded the bonus points on a technicality that it was met on my Husbands Authorized users card. US Bank has a convoluted system where they have a central billing system, and the XXXX account and primary account are separate. Their terms do state that the sped must be met on the primary account holders account, but their system is so confusing that most people would believe that the primary account included authorized users, which it does not with them. They really confuse their customers with this system, and even though they received my business and my spend they refuse to award me the points that i deserve by meeting the minimum spend. I think it is unfair that they do not explicitly state these terms so that their customers understand their system, and their requirements to earn these points they offer to get new business accounts. It is an unfair practice that needs to be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Fidelity Visa recently transitioned from having FIA Card Services service their Fidelity-issued cards to having XXXX XXXX XXXX service their cards. The transition happened on XXXX XXXX. On XXXX XXXX, a payment was sent from my Bank of America account to FIA Card Services to pay off a balance and Fidelity can not find the money. FIA Card Services, which is affiliated with Bank of America, researched the payment and found it, but told me it will take five to seven business days to further research and to apply the payment to my outstanding balance. It is bad enough that a financial institution lost a payment. And even worse when they themselves acknowledge the payment was successfully processed that it takes almost two weeks for it to be applied to my card balance. There 's more : on XXXX XXXX, which was AFTER the transition, I initiated two additional payments via Fidelity 's automated " Pay Card Balance '' option which is right on the Fidelity website. The payments were not processed until XXXX XXXX -- well after the transition -- but Fidelity sent those payments to the wrong credit card processor -- their own no longer valid credit card processor. So Fidelity broke ties with FIA Card Services, notified their cardholders not to use the old cards, but continued, via an automated option, to send payments to the old processor. Those payments hit my account on XXXX XXXX and today, as of XXXX XXXX, Fidelity can not find those payments either. To add insult to injury, Fidelity has frozen my credit card. I tried to charge {$23.00} for gas and my card was denied. These are egregious errors that shake my confidence in Fidelity as a financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am a Colorado resident. I have a {$100.00} Visa gift card that had not been used in a while, so I went online to check the balance. The online service showed a remaining balance of {$38.00}. Then I looked at the activity. It only showed back to XXXX/XXXX/2016, and showed a {$2.00} inactivity fee had been charged each month for the past six months. I have no way to know how far back these fees go. This is obviously not the full history, since no purchases were shown and there is no way to get to a balance of {$38.00} in {$2.00} increments. Colorado Revised Statute, Section 6-1-722 and Section 38-13-108.4 prohibits expiration dates and service fees, dormancy fees, inactivity fees or any other fee. The back of the card states, " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity except where prohibited by state law. '' I called U.S. Bank and described the situation ( although I forgot to mention the incompleteness of the online activity information ). The person I spoke with placed me on hold to check what their rules are, and when she came back she informed me that the card was not issued by a Colorado bank and therefore is regulated by federal law, which permits the fees. I believe that my state of residency is the governing authority, and I said so. The customer service representative simply told me that is the law and there is nothing she could do. 

The card was purchased in Colorado and given to a Colorado resident. If federal law rather than Colorado law applies here, I will drop my complaint ; however, I would maintain that the " except where prohibited by state law '' phrase on the card is misleading in that case, since there is no indication as to which state that would be if it 's not the state where the card is purchased and used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
This company has contacted people whom I have never given them the number for including coworkers and old high school friends. They have called my work phone more than 5 times in a day and contacted my Human Resources ( who sent me an email ). I work for XXXX so they are continuing to harass me after through large departments who they again were never given the pone number to. I have never received a call or letter at my home so they have not attempted to call or contact me directly. They are causing XXXX on me and at this time I am not in a place to deal with more than what is already surrounding me. They are XXXX the people they are contacting ( XXXX is over XXXX years old ) and making them think there is something detrimental to my well being.

Company response to consumer: Closed
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I feel the XXXX XXXX XXXX is attempting to artificially manipulate the value of my home in order to create an easily acquirable foreclosure by a coercion with some entity desirous of manipulating someone from their property through predatory practices. 

I believe XXXX and other entities perhaps XXXX are working together with a Government Entity ( XXXX XXXX XXXX ) to untruthfully manipulate Real Property values, perhaps for a merger with surrounding townships and/or municipalities. This is a potentially harmful situation for the inhabitants of this area, particularly myself as a potential target. A vehicle labeled " XXXX.. '' repeatedly cruises the area for unknown reasons ( XXXX passes per day seems excessive for a dead end road ), the vehicle labeled " XXXX '' passes multiple days per week and several times per day some days. This has been occurring for several weeks to months now, and I feel this is a method toward an artificial manipulation sought to conceal inaccurate claims of valuation and untruthful claims of ownership and boundary. Is it not illegal for the State XXXX of Arkansas to participate in such actions prematurely and with prejudice? It feels like harassment and appears designed to drive people from their homes. 

There is a proper Quit Claim supporting the purchase of this property from the XXXX ( family ) named in the attached documentation and after purchasing I submitted the requested documents to the XXXX XXXX XXXX notifying them of " NO RELATION to XXXX XXXX '' ( previous owner ), however, I still receive mail from their family and feel there is an associative problem. These potential doubts of ownership, relation, and boundary may be related to XXXX XXXX ( past surveyor of " XXXX XXXX '' ), a Real Estate entity, or to the potentially fraudulent reception of government benefits by the son ( XXXX XXXX ) or the mother and previous owner ( XXXX XXXX ) neither of which reside at this residence, but use this address for mailing periodically. Financial, Legal, and Medical documents have been sent to my home regarding both the Mother and Son. My response is to mark the mail as Return To Sender " XXXX Does not live here. '' and mail it back unopened. I have attempted to remedy the situation by moving the mail box, but these problems still exist in different forms and at different times. I believe that an investigation of improper identity associations, property claims, property valuations, and/or property boundaries related to real estate trade that may be uncovered will shed light on questionable and/or criminal practices regarding Real Estate, Predatory Mortgage Practices, Land Disputes, and the improper use of Residence Identity for the reception of Government benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XXXX I was diagnosed with XXXX XXXX XXXX XXXX, I had to have surgury and do XXXX XXXX XXXX. I had obviously gone on XXXX in XXXX. I applied for the loan modification at that time knowing I would lose a lot of income I got ahead, I was already falling behind on my mortgage due to a lot of appointments. I sent in all my paperwork to them in a timely manner, to be exact they got everything they needed within 3 days, since then it 's always been a fight of sending them a paycheck with a year to date income which thru ups XXXX thru teamsters they do n't do that, they just send me a XXXX check weekly. They have my last paychecks stubs from XXXX, and all my XXXX stubs sent in, add them up and they can get a year to date as far as I see it. I ca n't give them a year to date paycheck, but two weeks ago I got paid out for a vacation week cause we sign up for them in XXXX, and it gave me a year to date on it. But it was not good enough for them because it said vacation. WhAt difference does it make. I ca n't help what is happening, all I know is I have been doing exactly was I 'm told and they just wo n't give me an answer, always told I need a year to date stub, short term does not do that. He said he has it noted .i just want to save my home.

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