BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
I am the Trustee of my daughter 's XXXX trust and manage the trust CD accounts at several banks. XXXX of those banks is U. S. Bank, XXXX XXXX in XXXX XXXX, California. The Trust has a CD account, currently around $ XXXX that has been in that branch since XXXX. It gets renewed upon maturity. Last maturity was on XXXX/XXXX/XXXX. I have not received the bank usual maturity notice in the mail, so in such a situation, the bank automatically renews the CD with the same term ( 11 months ) and for the CD rate on that date. The previous rate was 0.5 % and that rate is low but the bank automatically renewed the CD at a ridiculous rate of 0.05 %, which is a rate even low for a saving account. I contacted the bank personally and spoke to the banker and the branch manager and even complained to the regional manager that such a renewal rate is not fair and not realistic for an 11 month CD of $ XXXX. I asked them to show me the CD rate on or about XXXX/XXXX/XXXX and the branch manager said he ca n't get that. I asked the regional manger for the same information and she said she ca n't do anything to correct that rate. I asked for her full name and she refused to give me her full last name. I needed to document the persons that I contacted in the bank for this issue and she did not give her full name. I have other CD account for the Trust and then other bank give around 1 % which is low but acceptable in this market. I find U. S. Bank action in this situation to be very unfair and most likely other consumers can experience such disregard to consumer rights unless the bank is made to be aware of that bad practice. It is ridiculous for an 11 month CD of $ XXXX to be generating around {$3.00} interest per month even in this market.

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 2015-07-21
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around XX/XX/2020 I contacted Credit Manage Services , Inc. of XXXX XXXX, XXXX to pay the balance due on an account they had received from XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX. I had been in regular contact with XXXX XXXX office manager, XXXX, about this account. She had decided it was a health insurance billing issue and told be she instructed Credit Management Services to hold all collection efforts until the situation was further investigated. 
Credit Management Services XXXX Inc by way of XXXX XXXX attorney filed a lawsuit agaist me for the aprox {$700.00} balance. I contacted the original XXXX XXXX and XXXX confirmed she instructed Credit Management to hold any proceedings. I contacted Credit Management via phone and as told, " yes we had got that information from the client, but we wanted the judgement anyway ''. I informed the debtor of this and she removed the file from the collection agency, although the collection company wanted fees. 
I called in XXXX to pay the fees of aprox {$130.00} to satisfy the judgement and clear the record. On that call I was informed that there was another account the had been placed with them for over {$37000.00}. I stated I had no knowledge of this account and requested they provide details via USPS so I could validate. 
I have no other communication written or telephone after that until I received a summon s from county court. The summon indicated Credit Management Services , Inc. was  suing me for {$37000.00}. 
I have no opportunity to be informed of the alleged debt or request validation. I also have not been given the option to ensure the debt was validly passed on to the collection agency specifically not violating HIPPA laws. 
This is how the first case was handled too. It seem as XXXX XXXX is trying to operate as a debt collector but functioning as a attorney not adhering to FDCA. 
I can provide the summons and court documents if requested. 
Again they provided no notice of the debt, no opportunity to dispute or request validation and other actions required by federal law. 
I have filed complaints with the XXXX  Attorney General, XXXX  and will possible file a counter suit for violations. 
Consumer deserve protection from these unscrumptious attorneys acting as debt collects and not disclosing they are acting as debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the company and was given the run around about I opened it in 2009 and paid it but now it came back. Tried to asked for documentations but they stated they dont have it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 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 2022-05-27
Company: Experian Information Solutions Inc.
State: GA
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:
First account, XXXX XXXX car loan is fraud my information has been used to establish this account I want it off my credit report before I seek legal action against XXXX XXXX they have committed fraud my information was leaked because of XXXX, all my information has been used, I have filed a ftc identity theft report about this now remove it please XXXX XXXX is fraud yes all my information matched because someone used it to open and established these accounts I will provide documentation to prove it XXXX credit card Same information has been used fraudulently to open and established this account, I will keep filing complaints until these accounts are off my credit reports, this accounts are fraud, a course all my information is going to match someone is using it so please delete these accounts and blocked them I am sending information to block these accounts

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 2016-02-07
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a debt with XXXX I had been paying. I had a car accident and became temporally XXXX with a XXXX and was off work for a long time. I finally got back on my feet but have some medical issues with some things that I need help with still. XXXX sold my debt to XXXX who I had been paying until I could no longer. Then they got Weber and Oclese to recover a large amount from me. I started paying on the debt in XXXX 2015 again. I asked them to accept what I could pay and I would try and pay them often until the debt was paid. They kept telling me to call. I did not wish to call because I need everything in writing. I continued to pay, and got a receipt from them thanking me for a payment of {$25.00}, {$100.00}, {$32.00}, {$12.00} payments starting in XXXX with an explanation BUT THEY STILL CONTINUED TO serve me with a summons. I kept paying and kept asking them to drop it and work with me on a plan. They ignored my requests after I told them that I could not pay a large amount and even though I was paying, they proceeded with got a garnishment with my local court and theirs to now lock onto my tax return even though I paid the debt in full! Now they say I owe them {$480.00}! 

The date of the first summons was XXXX. I had started in XXXX paying on this debt.I have submitted several receipts and continually asked if they would drop a pending summons of wage garnishment because I had been injured in an auto accident and was trying to get back on my feet. I have since found several medical problems from my injuries. I have other bills to pay but had also been trying to pay them. The requests went ignored and they kept telling me to call. Since I had a XXXX in the accident I got help with figuring out my finances. I could not call them because I get confused easily so my father had filed a complaint. It went ignored and they accused my father and mother of filing the complaint. They proceeded with a garnishment not only of my tax return but a judgement ruining my credit, even though I was paying on and paid it IN FULL OF {$440.00}. now say I owe them $ XXXX only had the {$440.00} and that is all it said on the website to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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:
in accordance with the Fair Credit Reporting Act XXXX Account # # # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, has violated my rights. 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. also, in accordance with the Fair Credit Reporting Act XXXX USC 1602 states financial institution can not disclose any personal information to a third-party non-affiant without my permission. - ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX NY XXXX ) ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NJ : {$50.00} : {$50.00} : {$50.00} : {$50.00} : {$50.00} {$310.00} ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX also violated USC 1681 and 1602. I also do not recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. 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 2022-09-16
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Was alerted a year later then was never contacted after calling billing company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. 
The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a text message from M & T Bank for a one time passcode. I do not have any accounts with M & T bank. I tried to call their fraud department but just sat on hold for XXXX minutes. On XX/XX/27 at XXXX est. I gave my address but since this is fraud app they usually dont use the true parties address.

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 2022-05-27
Company: Block, Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a fraudulent CashApp in the mail. The fraudulent card does not have any phone numbers on it, nor does the letter enclosed with the card. After searching the internet I found a number to call. After waiting several hours for a call back I received a call from CashApp ( XXXX ). The person on the phone was told that I received a card in my name which I did not request. The person on the phone said there was nothing they could do over the phone to close the account. This was the most bizarre exchange I have ever had with a company. They seemed to care less that a fraudulent account was opened. I then asked for the account to locked down if it couldn't be closed and again the person on the phone refused. I now have a card in my name that I did not request that I have no control over and the card issuer CashAPp refuses to cancel. This company needs to closed down for these practices as they are allowing this fraudulent activity to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have a home equity loan with Wells Fargo that I wish to refinance with XXXX XXXX XXXX. The payoff quoted to the credit union was {$6200.00} more than the balance of the loan. Wells Fargo says that is to cover insurance they placed on it from XX/XX/XXXX till XXXX. I have always been fully covered by XXXX insurance. XXXX verified that they did fax proof of coverage for that time period to Wells Fargo XXXX. XXXX re-faxed all pertinent documents again today. Wells Fargo is telling me it will be 12 days before they can " process '' the faxes! Meanwhile my loan ca n't close with XXXX. Wells Fargo has had the documentation needed since XXXX. In addition, how could lone year of insurance on a {$170000.00} home in XX/XX/XXXX cost {$6200.00}?? Wells Fargo seems to be very inept or very dishonest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Rewards

Complaint:
Discover does not aware the correct bonus rewards. I have a Discover card that has a Cashback Bonus Program Terms and Conditions that reads : " You will earn a full XXXX % Cashback Bonus on your first {$250.00} in combined gas and restaurant purchases ( " G & R Purchases '' ) that are posted to your Account each pilling period. At the end of each billing period, we calculate your Cashback Bonus by multiplying your first {$250.00} in G & R Purchases by XXXX % ( XXXX ) and all other G & R Purchases by up to XXXX % ( XXXX ) ( see " All Other Purchases '' section. " Gas '' purchases are those made at merchant locations where the primary business is the sale of gasoline. " Restaurant '' purchases are those made at merchants classified as full service restaurants, cafes, cafeterias and fast food locations. Purchases coded for category other than those listed above will not qualify. 

Well, I can look at my last statement and see that Discover is classifying a distinct and well known GAS STATION as a Supermarket so they do n't have to award the required bonus points. The merchant is a XXXX XXXX. If you look at the XXXX page for XXXX the very first line reads, " XXXX XXXX is a chain of gasoline and convenience stores in the United States ''. XXXX is clearly a merchant primarily gas station. I do n't know many people that use a XXXX as Supermarket over a Gas Station. I believe the Discover is trying to trick customers into thinking that they these purchases will qualify for the noted Gas and Restaurant Purchases, but are miss coded and will not award them. They hope customers wo n't catch this so they can reap the benefits from these transactions. 

Discover has the ability to code certain merchants for bonus programs. For instance, I have another Discover card that is running a rewards promotion that offers " XXXX % Cashback Bonus at Home Improvement Stores & at XXXX on up to {$1500.00} in Purchase ''. So Discover already has the ability to code a merchant ( i.e. XXXX ) to fit into a bonus category. I suggest that Discover add the gas station merchants to their gas station database so the bonus rewards as awarded to customers accordingly. I believe that Discover is purposely not awarding the gas station awards to customers in accordance with the card agreement so they do n't have to pay as much. They were just hoping that customers, like myself, would not noticed that they are not actually awarding the rewards when they make gas purchased. 

Additionally, I would like my account reviewed and all the past gas station rewards that were not awarded in the past to be added to my account. I am sure that I am missing a great deal of rewards that were not rewarded to be because of this misclassification by Discover. And I am guessing that many other customers have also be cheated on the cashback bonus program by Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a bankruptcy on 2017 and did not include mortgage in bankruptcy. They added attorneys fees on to my mortgage {$2000.00}. According to the creditors breakdown there were 2 checks sent total of XXXX and XXXX. I was unaware of the claim from Midland. I called and the person could not help me. I was told that payment does not have telephone and he could not them. 
I have been struggle through COVID to make my account current and this money has there this whole time.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXXXXXX XXXX Account NumberXXXX has Violated my rights. 

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

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