BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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 gave my daughter {$160.00} to deposit in my account at the ATM with my debit card acct : # XXXX, however, she went to the drive-through window. Even though she did not have a deposit slip the teller took the deposit, there are two accounts, but the teller placed the money in the wrong one, which causes the account to go in the negative when my XXXX  XXXX XXXX check presented to the account. I discovered the problem on XX/XX/2018, and contacted the bank immediately, the funds were transferred to the correct account by the bank rep : however, they refuse to return the {$37.00} overdraft fee. I would be very appreciative if you could assist me in recovering this fee. Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had this loan since the early XXXX ( see attached documents ) for about 40 years. I and only have 90 credits. Half are the credits, I founded out later, will not apply to a business degree. I am owing XXXX {$25.00}, XXXX, plus FedLoan {$49000.00}, which is a total of {$74000.00}. 

I believe that I was subjected to confusing advertising, marketing, high pressure sales tactics, financial aid services deception, and misguided counselors. Presently, I am a XXXX year old and as a senior, is going through much hardship. I loss my job because of the Covid19 virus, after contacting the virus. It has been 10 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment compensation. 
This loan have been a heavy burden and a hardship on my credit report and livelihood. I am requesting that the loan payment be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX 2 transfers from my account occurred to XXXX XXXX XXXX. One for {$9000.00} and one for {$8000.00}. I immediately filed a claim with wells fargo for fraud. Today, XXXX/XXXX/20, Wells fargo ruled against me! I do now know who stole my money. I do not know how they stole my money but I had nothing to do with this theft. PLEASE HELP ME. 
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 explanation
Consumer complaint received 2016-02-02
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone opened a U.S. Bank credit card in my name, fraudulently, at some time on XXXX/XXXX/2012, without my knowledge or consent. 

Equifax did delete this account, but it was reinserted for some unknown reason. I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & U.S. Bank refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Professional Debt Mediation, Inc.
State: FL
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:
On or about theXX/XX/XXXX I sent a letter to Professional Debt Mediation , Inc . The intend of this letter was to offer them an amount and in return, they would remove the debt they posted to my credit file. In that letter, I was insistent on the fact that because I offered to settle on that account, that in no way meant that I was acknowledging that debt of accepting it as my own. On the XX/XX/XXXX, I received a letter addressed to me from Professional Debt Mediation , Inc . In it, was a confirmation of debt. This confirmation of debt, however, is for someone by the name of XXXX XXXX, also referred to in this correspondence as XXXX XXXX. I am not XXXX XXXX  ( XXXX ) nor have I ever been associated with someone by that name. I have never lived at XXXX XXXX XXXX Apartments nor have I ever signed a lease there. Professional Debt Mediation, Inc. not only violated someone else 's privacy and confidentiality but they also failed to properly confirm my debt with them.

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 2020-08-21
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This complaint is related to GM Financial XXXX, address XXXX XXXX XXXX XXXX TX, XXXX. GM Financial is overcharging and passing on unfair charges to its consumers. 

This unfair charge is called the " Disposition fee. '' After collecting the payoff amount in full, taking the lease vehicle back, charging for excess wear and use charge, GM still charges the consumer a " disposition fee '' so they can prepare and sell the vehicle. After the consumer returns the vehicle to its owner, the owner is charging the consumer to sell the vehicle via an auction. In other words, the consumer is responsible for a fee, so the owner does not have to absorb the cost.

Even after purchasing and leasing the third GM vehicle, this has not come up before, because " The Deposition Fee '' was waived for purchasing or leasing another GM vehicle. However, the " Disposition Fee '' is not waived if the consumer does not purchase or lease another vehicle from the same company. In other words, the consumer is penalized for not purchasing or leasing another GM vehicle for any reason, i.e. the consumer does not want to purchase or lease another vehicle, the consumer can not afford to purchase or lease another vehicle, etc.

Finally, even after executing three purchasing transactions with GMC, we have not been aware of the " Disposition Fee ' because it has not been explained or pointed out appropriately in each lease agreement. It has not explained either the " Disposition Fee '' is a kind of fee that is subject to additional taxes which resulted in an additional {$40.00} charge. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.

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

Complaint:
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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.

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

Complaint:
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 2017-02-14
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
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 2020-11-13
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a debit card with Alliant Credit Union. I do not use the card often, but when I do ( say, every 4-8 months ) it is usually for larger amounts ( XXXX  XXXX dollars ). Each and every time I try to use my card it is flagged as fraud and results in a long conversation with Alliant CU where the operator has to ask me a series of questions, then unblock my card, and then I try again. Often this is unsuccessful and has to be " unblocked '' again. Finally, this past holiday ( XXXX 's XXXX ) I attempted an ATM transaction and my card was declined at two ATMs. Alliant never called me, but they called my wife at her work. I tried calling Alliant directly, but I couldn't get a hold of anyone since they were closed for the holiday.

I called Alliant a day or two later and the root of the issue seems to not be fraud alerts but the root of the issue is explained that Alliant 's debit card system requires ATMs to use the chip on my card for the transaction. However, Alliant is unable to tell me which ATMs will use my chip and which use the magstripe. In fact, even if I go to " in-network '' and " fee-free '' ATMs that Alliant themselves advertise, the card still. does. not. work.

In the end, Alliant 's claim on their website of " 24/7 Acce
ss '' using ATMs is patently false ( https : //www.alliantcreditunion.org/bank/high-yield-savings ). I am willing to consider driving to an ATM that meets Alliant 's " chip-reading '' needs, but they can not tell me any.

So therefore, I am in the process of transferring my assets outside of Alliant. This is ridiculous.

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

Complaint:
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 2018-08-06
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, we submitted a loan modification to ditech only to get the run around for a year, I would call a least 6 times a month to get any updates, I was always told my modification was under review and or they need more information which I did provide. in XX/XX/XXXX I was told to resubmit a new modification which I did, how ever before I faxed the information I recieved a letter from them saying our modification was in review. Again I called every week to get the same answers it's under review. Finally in XX/XX/XXXX I received a denial letter. I called them and was told to do another modification because they where using out dated information, so I did only to find out they never did anything with my new information .Again was told to resubmit a modification in XX/XX/XXXX. I did again. I feel we are getting the short end of the stick with them .ditech send a reinstatement letter which I asked for on XX/XX/XXXX only to receive it on XX/XX/XXXX which only gave me 15 days. I need help with this. I have all documents that support this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We applied via telephone for the Covid19 forbearance in XXXX. This short call confirmed our grace period and nothing more. When I called XX/XX/XXXX to discuss tacking the 3-month forbearance to the end of our loan and begin repayment, I was told we did not qualify for the program because we had a missed payment. In XXXX, we paid {$2000.00} to catch up on our mortgage as a combined XXXX and XXXX payment. We were unaware that XXXX would not be covered under the forbearance program when we applied and were accepted XX/XX/XXXX. In fact, we weren't told until I called Wells Fargo to discuss the payment on XX/XX/XXXX. Please see the letter dated XX/XX/XXXX that makes no mention of this to us. Today, this leaves us in a very precarious position, one that makes the situation so much worse. We must now undergo a complicated process of modifying the loan based on income. There are no assurances we will be approved either. The only other alternative is to pay more an additional {$700.00} each month for six months until we are caught up, though we are not on our feet yet. Wells Fargo should have notified us upon our initial application that we would not qualify for easy repayment without the XXXX payment. We would have paid that amount before accepting the forbearance or else not participated in this at all. This is now XXXX and our payment is due. We still have no remedy and we owe {$3700.00} with no idea how to repay a debt that grows. I feel like we were tricked into a position that makes it entirely possible for us to lose our home. I am sure we are not alone. 

Note : I have attached copies of our mortgage, the XXXX letter and a screenshot of my email showing that were received no advance disclosure from Wells Fargo prior to accepting these terms.

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 2015-07-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX in XX/XX/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX/XX/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation