BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was involved in a total loss accident on XX/XX/XXXX. The responsible parties insurance company sent my lien holder Santander a letter of guarantee request with copy of the valuation report. They agreed to stated amount and provided them with the title after payment. I followed up with my GAP insurance provider to initiate a claim to assist with the remaining balance payment. I was later advised that there was severl items missing from the valuation checklist which showed the vehicle price as {$2300.00} less than what it was worth. Further omitting the Gap insurance claim. After going back and forth with the insurance company and Santander for 6 months ( as the lien holder took no action in this matter ; I spoke with an insurance representative who advised on XX/XX/XXXX that she was sending a supplement request to the insurance company due to missed options. I followed up with Santander on XX/XX/XXXX who advised that they hadn't received anything from the insurance company and I was responsible for the amount due. I partnered with the insurance provider who advised that the lien holder accepted their settlement/provided the title and their claim is closed. I reached out to Santander for assistance with correcting this mistake ; to no avail. My credit has since been impacted as the account was charged off ( the very same day that the insurance company sent over the supplement request ). The collections activity should have stopped as soon as they identified that the balance was incorrect. I requested to settle the amount minus the interest/late charge and amount due from the insurance which was declined. My ask is that the company due their due diligence and correct the balance due from the insurance company as well as remove any negative remarks from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. I have an interest only loan and the servicer is Shellpoint Mortgage Servicing. This month my statement had a charge for principal. 
2. I called them but they refuse to acknowledge that the loan is interest only. 
3.Last Friday I forward to them a Shellpoint letter date XX/XX/2018 that shows no principal payments are due on my loan. 
4. I called Shellpoint at XXXX XXXX XXXX today and my call was disconnected there times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. On XX/XX/2019, I submitted a money transfer inadvertently to my ex-wife 's account. I immediately called USAA and tried to reverse the payment. As it was a USAA to USAA money transfer, the representative stated he could not cancel or retrieve the payment. I informed the representative, that this was to my ex-wife and we are not on amicable terms. I asked if he could reach out to her and request the transfer be reversed. He refused and stated even though it was a mistake it has been done. I then asked to speak the executive resolution team. After being on hold for 20 minutes, I was told they are busy and they would return my call later. As I work abroad, this was cumbersome at the least. After the call, I completed some research about whether I my ex-wife could keep the funds from the transfer and the banks responsibility. The bank is required to be your advocate and attempt to reach the other party to see if the party will release the funds. As of now, USAA has done nothing to assist and has failed to be helpful at all. For anyone else in this predicament, you have legal rights to obtain your funds for inadvertent fund transfers. The key to a return without legal intervention is for your bank to be proactive and advocate for you. Additionally, this is needed as proof if the other party refuses to return your funds. I am truly disappointed in USAA in this matter. I have been a faithful member for almost 20 years. I would assume the loyalty in itself would mandate at least a letter or call from the institution to the other party. I will be looking for other banking institutions that treat their members better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My complaint surrounds the overdraft policy that Key Bank follows. When an account is over drafted by any amount, there is an overdraft fee charged AT THE END of the next business day. A personal example is, on XX/XX/XXXX I had lost my debit card for my primary checking account so as I waited for my replacement I used my Key Bank account. I electronically transferred the money that I planned on using for each purchase over to the account each time I used my card. At the end of the business day, I had transferred {$0.00} less than I had spent. I noticed this error and transferred more money to the account the following day and used my debit card for a few more transactions. At the closing of the next business day after my account was overdrawn {$0.00} my account was charged a XXXX dollar overdraft fee. The next day I realized this, and since it was my first overdraft they waived the fee bringing my account back positive. Although they do not charge the overdraft fee until the closing of the next business day, they list the transaction of the overdraft fee as the first transaction for that business day, so the day that the fee was charged, since it was the first transaction, it created another overdraft fee for the next business day after the XXXX   transaction. For someone that only keeps money that is being spent in that account, this cycle of fees will continue because of the fee being charged as the first transaction instead of the last transaction at the end of the business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged 3 late fees in 3 consecutive months XX/XX/19 ( {$29.00} )XX/XX/19 ( {$39.00} ) XX/XX/19 ( {$39.00} ) and interest. After having explained to them about having financial hardship the bank continuously kept on charging late fees on top of late fees. I dont see how on the basis of trying to make ends meet, does it ethically or humanly make sense to continue to charge a customer something they can not afford. On top of that, the last payment was made the night of XX/XX/XXXX and I was still charged the {$39.00}. I dont believe that these practices are moral or fair and would like to request the fee ( s ) reversed. A bank that operated on ethics would not take advantage of those already struggling and would at least help if asked.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-11-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
K so one of my emails got hack password changed and kicked me out completely took pictures of me my kids my wife banking info and my XXXX was hacked as while could not get it back for two and a half weeks so I decided to check my pay pal and I see 8 to 10 luge transaction of money going offshore amounts of XXXX XXXX XXXX and there are probably 4to 5 more transactions so I made new email did a data breach report said I was breach like46 times or more and that XXXX XXXX was moved in my name so I made two more email and been hack both times so I have a report out now but a lot of it seems like I being me to be a non us citizen but that's not true was born in United states of America new york

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a charge that was pending on XX/XX/2019 I transferred funds from one of my checking accounts to the checking account that had a pending charge. I checked my account after midnight and it showed a {$0.00} balance. I had my payroll got into the same account and checked again today XX/XX/XXXX first and seen I was charged a insufficient funds fee. I have had my problems with this bank charging me multiple fees and not wanting to credit them back. I put funds in the account to avoid a insufficient funds fee and still was charged.

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 2023-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX XXXX XXXX. The insurance proceeds for my total loss totaled approximately XXXX XXXX over the mortgage owed to Wells Fargo for mortgage. After being lied to for almost 3 years about being able to re-build I decided to pay off Wells Fargo. I had to send 4 checks, total approximately {$200000.00} over mortgage pay off. 2 checks were stale and I had to get ca.fair plan insurance co. To replace those checks. Wells Fargo acknowledged receiving the new fresh checks, said they would be sending me {$180000.00} in the mail within 10 days. They did not. Now they dont know where my money is. They are a bank! They had the completely updated checks on XXXX XXXX. They were going to research it and get back to me by XX/XX/XXXX. Now I just got another fed ex letter saying they needed until XX/XX/2023. This has delayed my ability to rebuild. I am XXXX XXXX XXXX with a XXXX XXXX and we are living in temporary housing on our burned out property. The temp permit from county could run out and well be homeless all because Wells Fargo lost my money. Wells Fargo made over XXXX off interest with my mortgage. I was never one day late in payments. If I over draw my account by XXXX dollars I get 10 phone calls, emails and a hefty fine but they can steal my entire insurance amount for my burned house total loss to XXXX XXXX? 
They are violation page 6, line 16 of their deferred prosecution agreement for the XXXX XXXX civil case so CEOs should be going to jail for breach of this agreement. This is fraud. Their entire system give it another case number with an executive office case specialist ( with no last name ) and XXXX XXXX  down the road, all while they research where they stashed your stolen funds. It is set up to defraud and in fact is defrauding me. Please help.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company XXXX XXXX is over charged a bill with rules no in the contract for 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Flagstar Bank. They offer autopay, but they will only let you sign up within a particular timeframe ( e.g., X days before your montly payment is due ). I have tried several times to sign up for autopay, but since it is not X days before the due date, they will not let me. I then get charged late fines when I don't remember to pay on time. This would be avoided if I could sign up for autopay. It appears that they are employing this policy to discourage customers from signing up for autopay so as to earn more money in late fees. I can only imagine that the same has happened to other customers.

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 2023-02-24
Company: Consumer Collection Management. Inc
State: MO
Product: Credit reporting, credit repair services, 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.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My long standing account with XXXX is not being reported on my transunion and XXXX consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong name on my 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 explanation
Consumer complaint received 2017-12-12
Company: Uptain Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Uptain Group told me through the CFPB that they requested the erroneous collection be removed from my credit file on XX/XX/XXXX. XXXX said the Uptain Group did submit a deletion request, in fact Uptain Group verified the erroneous collection information on XX/XX/XXXX according to 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 2023-02-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a biz checking account XX/XX/23 with US Bank. Terms as promised were {$400.00} for {$3000.00} deposit. 

I called today to ask them about terms before I moved money only for them to tell me the promotion expired XX/XX/23. I signed up for the offer using links directly on USBank 's website. There was no mention of XX/XX/23 expiry on the page and I didn't get any warnings it was expired. I found the link again to offer via browser history and it's still live online with expiry saying XX/XX/23 ( XXXX XXXX XXXX ). A case of false advertising. I attached the disclosures one of their reps emailed me today about the offer that states it's expired. 

Currently, they have a BETTER offer for {$500.00} for {$3000.00} but refuse to recode my account opening to that one ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have offered them the option of HONORING the terms of their past offer ( which is still live ) or recode my account with the better offer that is also live.

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 2021-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through XXXX. My loan has also increased during the CARES 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