BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Subject : Complaint Regarding Failure to Receive Promotional Bonus from U.S. Bank Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank for their failure to provide me with the promised promotional bonus, despite my having met all the specified requirements outlined in their promotional campaign. This issue pertains to a business checking account promotion that promised a significant reward for maintaining a certain deposit over a specified period. 

To summarize, I received an invitation from U.S. Bank on XX/XX/year>, to open a business checking account with the promise of a {$750.00} bonus for depositing {$15000.00} and maintaining it for over 60 days. I promptly met these requirements, only to be later informed that I supposedly did not fulfill another condition not previously communicated to me. 

For your convenience, I have included several attachments with this email : At attached documents include my checking account approved proof screenshot and 6 month bank statement of this account. 

Despite numerous attempts to resolve this issue directly with U.S. Bank, including multiple communications with their customer service department and provision of all requested documentation, my efforts have been fruitless. It has now been several months since I satisfied all promotional criteria, yet the promised bonus remains uncredited. 

This refusal to honor a clear promotional commitment not only constitutes a breach of agreement but also represents a broader issue of trust and integrity within the banking sector. I am therefore reaching out to the CFPB to seek assistance in resolving this matter, ensuring that U.S. Bank is held accountable for their promotional practices. 

I believe the CFPB 's commitment to ensuring fair banking practices and protecting consumer rights positions it uniquely to address and rectify this situation. I am hopeful for your support in securing the promotional bonus rightfully owed to me by U.S. Bank. 

Thank you very much for your attention to this important matter. I am eager for a resolution and remain available should you need any further information or clarification. 

Sincerely, 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: In progress
Consumer complaint received 2024-01-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent, and unauthorized hard inquiry dated XXXX, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with XXXX XXXX XXXX and its is a case of identify theft.

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 2024-01-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing about my Citi Aadvantage Platinum Select Card. Their customer service number is XXXX. 

I noticed that each month my credit card bill included a high interest charge even though I pay my bill down by the amount shown on the bill each month. 

For example, yesterday ( XX/XX/24 ) I paid {$19000.00} towards my current bill of {$18000.00} which is not even due until XX/XX/24. As a result, my account home page shows no payment is due. It shows a balance of {$1500.00} but those are charges that have been incurred after the current billing period. 

I asked that since my current bill has been paid in full should I expect interest charges on my next bill. And they said " yes, until you have a XXXX balance. '' How can I be charged interest on charges that haven't even been sent to me in a bill and while my account home page clearly says no payment is due? I wouldn't even know those charges existed if I only got paper bills. This is crazy. 

At the every least this is intentionally deceptive business practices and at the most there's go to be something illegal here. 

I was never given an answer when I called them. The call lasted XXXX minutes, XXXX of which I was on hold and then the call was disconnected ( not by me ). 

I would like any interest that I have paid be returned to me and for their business practices to be more transparent and clear. 

Thank you,

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 2024-01-30
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To the best of my recollection - In XXXX XXXX XXXX  at the XXXX XXXX  ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a withdrawal was attempted and denied. I then proceeded to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was XXXX minutes away and attempted a withdrawal. This withdrawal was also denied. I'm assuming that the withdrawal amount exceeded the amount allowed to be withdrawn at one time. From what I can recall, I pulled into a car wash that same day and I attempted to call Citibank to get the issue resolved. I remember I had the flu at that time was frustrated when I called. I was told the account was froze and moved to the fraud department. Since that time I have called several times to resolve the issue. I was told that Citibank would mail a letter to confirm my identity and then the issue could be resolved. I have never received a letter and when I called back they offered no alternative to resolve my issue. At this point I am willing to fly to the Citibank physical location in Florida to prove my identity, but I am worried that they would say it has to be resolved by the fraud department.

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 2023-11-06
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.

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 2024-01-25
Company: U.S. BANCORP
State: OR
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I contacted relia card over and over and over again about my dissatisfaction with the internal policies Making a mandate of Congress ineffective with their internal policies and spending limits I warned them that this is a bad idea because nothing could stop a mandate of Congress once it's voted in especially a third party agency I contacted US bank they said they don't have anything to do with relia card even though the debit card was given to us has USYes Bank on it I told them about my confusion they said there's nothing they can do.

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 2024-01-19
Company: Shellpoint Partners, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company inflated all payments paid and due on the 30 year mortgage of {$1500.00} payable for 30 years and fraudulently inflated the escrow amount paid from {$1800.00} which included {$300.00} escrow deposits, they stated that it did not receive enough funds to pay the {$1500.00} mortgage note and the {$290.00} due to pay monthly amounts on said taxes and insurance. The tax yearly amount totals {$2700.00} and the homeowners insurance totals {$710.00}, both totals {$3500.00} however, when devided by the 12 months an amount of {$290.00} must be deposited into the escrow account monthly as you can see a total of {$300.00} were deposited into my escrow monthly. The company states that I should make total payments monthly of {$1900.00} of which the {$1500.00} mortgage note would be deducted and {$390.00} deposited in escrow, as you can see the company scammed various amounts of money from my mortgage account for their own purposes, case in point the company on XXXX XXXX2023 suspended payment of said mortgage note of {$1800.00} placing said mortgage in default WHY? More than enough funds where already in my escrow account to cover all expenses additionally on XXXX/2023  I deposited $ XXXX XXXX my escrow account as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The company is denying my claims and wants me to review years of statements dating as far back as iof XXXX to check for fraudulent activity. When I find activity they deny claims and now claiming they have no record of me being part of the breach when Wells Fargo themselves sent me {$60.00} which I deposited in their account they are doing all this to not pay me they dont even want to review my account

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 2024-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
USAA informed me that temp credits would reverse. I contacted USAA representative on 2 separate occasions to express that not only did I not understand the decision but also that the notice was short and would cause financial hardship. I was told that this would not be the case and said credits would not reverse pending further investigation. They reversed and resulted in my needing outside funding for day to day expenses as I was traveling at the time without funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I lost all of my income due to Covid, and have struggled to this day to regain that income. Shellpoint Mortage is the servicer, XXXX XXXX XXXX is the investor. I was asked to submit a hardship circumstance, in addition to Covid, the XXXX XXXX floods caused serious damage to my home. I also submitted a detailed business plan that would benefit the XXXX to have a west coast presence for helping historic single family homeowners from losing their homes, due to my relationship with the business and political community in XXXX XXXX. I was requesting a 90 day hold on a foreclosure date, so that I could attend to the water damage. When that was declined, I reached out to the owner/holder of the loan. The Bank said all decisions concerning my home are in the hands of the Servicer. The Servicer said all decisions on their part are the made by the Bank. Further when I sought additional information, my sale date of XX/XX/2024 was advanced to XX/XX/2024. This does not give me time for an investor to assist me, nor complete my home repairs. There is no equity in my home until I get private funding, am back to full time employment, and complete home repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Rozlin Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My information was comprised during a data breach and a debt collector by the name of Rozlin financial group started contacting me about a collection i totally unaware of i contacted the XXXX credit Bureau asking the to remove the collection or send me a Wet copy of the document with my signature showing that i agreed to the debt, it been more then XXXX  days and they have not provided any information, XXXX removed the collect but XXXX and XXXX are still reporting the collection.

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 2023-11-03
Company: Aspen Yo LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Gregory funding are a bunch of crooks they raised my mortage XXXX dollars a month which they claimed was due to higher taxes and now i find out they are not paying my taxes and charging me they need to fix this I jave a perfect payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, TransUnion, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed.

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 2024-02-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Re : case # XXXX XXXX XXXX On XX/XX/year>, I received an email from Citibank stating my account was closed because of a periodic review of my credit report and, as per my XXXX report, sufficient of my revolving accounts with a balance near my limits. I have always been on time on all of my accounts. This does not make any sense. For the cards in question, my credit limit was decreased by the companies who issued the cards, and this was not because of nonpayment. 
I never received the letter they claimed that was mailed to me.

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 2024-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Cards were opened by ex spouse without my knowledge or consent, and they refused to take me off and now my credit score has been negatively impacted as well as being bullied into paying off his debt so I can get a loan for a new house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: Store credit 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:
My wallet had been stolen while I was at work. All of my other cards caught the fraud immediately except citi bank home depot card. I called and canceled the card, they sent a new card with the same number. My card then was used fraudulently. I called to dispute the charges, they said it was fraud and they would change it. Now I'm being sued by citi bank for the charges.

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: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received calls at XXXX threatening my financial future using profanity and unfair unethical demands. 

Come to find out, all debts are already paid.

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 2024-01-22
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have wrote this company several times about validating the debt have not received anything from them verifying that the debt is owed to me. I sent certified mailing with no response back from the company. It has been deleted several times but then they put it back on my credit with conflicting dates they are saying I owed the date. Now they say I opened this date XX/XX/XXXX but before that it was XXXX. I never opened this debt at all and dont even know this company at all.

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