BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-05
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My car was in an accident on XX/XX/2023. The car was totaled. The insurance from State Farm fully paid off the vehicle. The excess of insurance was kept by US Bank loan number XXXX. As US Bank received the full amount due under the lease, the overage should have been refunded. It was not. US Bank claimed the leasing contract provided for it to keep any overage. As the overage was due to my generous insurance policy, the overage should have been refunded to the consumer.

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 2024-01-24
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment reported on XX/XX/XXXX and XX/XX/XXXX for my Calcon Mutual Mortgage Account Loan # XXXX. I want you to know that I understand my financial obligations, and if it werent for my medical episodes and lack of work, Id have an excellent repayment record. Also, I was under the impression at that time I was under credit suppression due to be being misinformed by a number of customer service representative form Calcon advising me that I am. I believe there should be some type of leniency because I was misinformed until now I made a mistake in falling behind, but since then I have been employed I was able to catch up on payments. 
Since then, Ive had a spotless record of on-time payments. Im planning to apply for a refinance of my home, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 60-day payment on XX/XX/XXXXXXXX  and XX/XX/XXXX due to being misinformed from Calcon and the medical issues that affected me tremendously Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

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 2024-01-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a loyal customer with Truist ( formerly BB & T ) Bank for over 20 Years. 2023 was an exceptionally rough year financially for me but Truist capitalized off of my unfortunate situation. Below are the dates that overdraft fees were taken from my account in 2023. 
OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} These total {$750.00}. I did not expect a full refund but did reach out to ask if a portion of the aforementioned overdraft fees could be refunded and was told I was allowed XXXX overdraft fee credit of {$36.00}. I will be switching banks within the next few months as there are so many " fee-free '' banks out there. This is beyond frustrating and honestly shows such lack of care.

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 2024-01-24
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
As a XXXX percent XXXX Veteran, I am tax Exempt for Municipal and state Homeowners taxes. This has been approved by My municipal government and all documentation sent to Freedom Mortgage. This exemption was also approved by Freedom Mortgage. I have sent documentation and correspondence of which I have proof of on the Freedom Mortgage website. Freedom Mortgage continues to make payments to the Municipal government which is an admitted error on their behalf. Instead of them fixing the error, they increase my payment and make me, the lender, seek the refund that was their mistake. This happened to me back in XX/XX/XXXX, XX/XX/XXXX and now again in XX/XX/XXXX. This has caused me great financial hardship as well as stress on my family. They offer no solutions or assistance. XXXX ID # XXXX as well as Customer Service rep XXXX.

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 2024-01-24
Company: U.S. BANCORP
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a pre-paid XXXX debit card with {$25.00} from US Bank National Association. The card expired. The website published to check balances, XXXX, does not work. I called US Bank to request they issue a replacement card. US Bank refused, saying the card is too old and expired, so the funds are " lost ''. The card is unused, so I would like it replaced with another of the same value. I hope they replace it and that this is not a scam.

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 2024-01-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BMO closed my checking account due to inactivity which is false because I get direct deposit every XXXX weeks from my employer and also use XXXX to transfer money. Not once did I receive a notice that my account would be closed due to inactivity. I believe that they closed my account because they didnt want to pay me the {$400.00} bonus I am owed due to the promotion i participated in and I met the requirements, but one of the requirements is for the account to be open in order for it to be paid. So of course they dont have to pay me if my account is closed but they unjustly closed my account. I want BMO to be held accountable and for them to pay me the {$400.00} that I was eligible for as I met all requirements.

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 2024-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX Your are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, ( XXXX ) XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 US.C 1691 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2024-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I canceled autopay before the payment was to process ( auto loan through USAA ) and submitted a payment using a different bank. USAA took the payment from the old account ( I am trying to close out ) and the payment I made from the new bank. 

I called and USAA stated the reversal could take XXXX weeks or more. I asked for an escalation as this caused a negative balance ( I have overdraft protection on the old bank ) they asked me to submit a bank statement showing the loan payment was made. I did submit the bank statement along with a screenshot of the negative balance. 

I moved money to my old bank so that other my account wouldn't be overdrawn while USAA was reversing the payment. USAA then reversed the payment, then USAA charged that same old account again, as of XX/XX/2024 causing the account again be overdraft as I used that back for other matters to reduce the balance because I am no longer using and adding funds to that old account which is why I canceled the autopay in the first place. 

I asked several times to speak to management about this but a rep named XXXX refused to transfer me and keep saying let me try, but she then just proceeded to say give it another week. The payment from my new bank cleared last week and yet USAA refuses to reverse the additional payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/year> we purchased an online ticket was purchased for a show in New York on XX/XX/year>. We were in line to attend and the provider cancelled the performance. They informed us that they will resechdule for the next day, but the venue closed and is no longer available. They didn't provide the service that we pay for. We were also promised a gift card for the value of the ticket for the show that didn't happen, but a gift card was never sent to us. 

I disputed the charge with Citi Cards, but they simply reversed the charge for good reason. In their latest they communication ( attached ) they denied the dispute because we did not provide a valid credit slip, but we were never provided one given that the purchase made online. A receipt has been provided to them, however ( also attached ).

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 2024-01-24
Company: U.S. BANCORP
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We had purchased a camper from XXXX XXXX XXXX XX/XX/XXXX and financed it through US Bank for the amount of {$36000.00}. We found out few days after driving it off the lot, that XXXX XXXX had screwed up our VIN number, which in turn messed up all paperwork to US Bank for the temporaty title. XXXX XXXX notified us of their mistake, and fixed the paperwork for us to be able to get our registration done. However, US Bank never followed up or fixed their paperwork on their end. Fast forward to a year later, XX/XX/XXXX we paid off the camper in full, sending US Bank the payoff amount of {$32000.00}. 
They accepted this payment, without even having the proper paperwork showing the right VIN, or without even correcting anything. So now in XX/XX/XXXX, of XXXX when my wife and I are attempting to sell our camper to a friend in order to get the funds needed to close on a home for our family, the dmv tells us they can not issue a title, due to US Bank still having a lien on it. When contacting US Bank several times asking why they are still holding a lien when it was paid off over a year ago, they just kept saying " their not sure ''. This led us to asking for a supervisor and while on hold for them, the dmv tells us that it is an electronic lien and that the bank can do an " emergancy release '' in order to have the dmv print us a title that day of being there. Since it over an hours drive to this instant title dmv. 
When the supervisor came on the line, we had relaid this information to her, which she in turn expressed that she had never heard of that. She then said she would go ahead and process a release to be done, but that they first have to fix the paperwork on their end, since they did not currently hold a proper lien. I even made the comment " wow so I should have never paid you off, because you had no way of even repossessing this '' of which they laughed and did not comment. 
It is now XX/XX/XXXX of which the release was still not completed and we loss a sale on our camper, which now in turn will affect our closing and might make us lose our home. All because they did not do their job and correct their own paperwork over 2 years ago! How can they accept payoff for a " vehicle '' or camper in our scenerio, without even having the proper paperwork or temporary title paperwork? Then have the right to make us lose out on so much money needed for a big family move, due to their own negligence and not be held responsible.

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 2024-01-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2024 I noticed there was a number of transactions dating back from from the XX/XX/2024. These charges equaled {$3300.00}. All the payments were made to the same merchant. It also shows the merchant is outside of the county. I didnt recognize the charges so I called Citi bank to dispute. 

On XX/XX/2024 I received a letter stating that I am responsible for the charges and they wont issue a refund. How am I responsible for charges when I didnt even authorize them. 

I attached an example of said transaction

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 2024-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I realized the morning of XX/XX/2024 that a payment for {$3200.00} had been initiated out of my checking account to a XXXX XXXX XXXX account # ending in XXXX, XXXX Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX in the name of XXXX XXXX. 

I did not set up nor authorize this payment. I immediately went to my local Wells Fargo and requested that this payment be stopped and a fraud investigation be started. Wells Fargo advised me that the payment was pending and that they could not do anything until it posted. The next day, the payment posted. I asked Wells Fargo again to stop the payment and investigate it. On XX/XX/2024 Wells Fargo sent me a letter telling me that they would not investigate the matter farther, that I had in fact initiated the payment. I then went back to Wells Fargo and asked about the transaction. They told me that it was indeed initiated by me from my " location ''. I asked what location that was and they said " my location '' and they were not going to investigate it any farther. The Wells Fargo employee also told me that they were not going to contact XXXX, nor were they going to assist me any farther. The employee at Wells Fargo that I have been dealing with is XXXX XXXX at the Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I did not authorize nor request this payment to be made. As a result of this theft, I have not been able to pay my own personal bills and this has left me with a financial hardship. 

Wells Fargo close my account and issued a new checking account. The old account number is XXXX. I do have a new account number now. 

I have filed a Fraud/theft police case number XXXX with the XXXX XXXX Police Department XXXX XXXX, Records XXXX, Detectives XXXX. 

Even after filing the police report, Wells Fargo has said that they will not assist me in recovering 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 explanation