BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sometime in the first week of XX/XX/XXXX, I saw a text in my phone requesting applicants to apply to carryout a survey assignment with XXXX, to which I applied. 
2. On the XX/XX/XXXX, I received a XXXX XXXX  Cashiers check in the mail in the sum of {$4700.00} along with instructions purportedly from XXXX requesting that I purchase XXXX XXXX XXXX XXXX and undertake some survey activities in XXXX XXXX ( letter enclosed ). 
3. I thereafter lodged this check in my bank ( fifth third bank ) and my account was credited in the sum of {$4700.00} seeing that this was seemingly genuine, I thereafter started carrying out the assignment and reporting my progress to the scammers via text. 
XXXX. Again, on the XX/XX/XXXX, I received two other checks also in the sum of {$4700.00} each which were also lodged in my account. 
XXXX. It was latter on the XXXX and XXXX XXXX, XXXX that my bank returned the checks as unpaid/ fraud advise after I have carried out most of the assignment. ( Bank statements attached ) XXXX. PRAYER : Fifth third should be made to return my money in the sum of {$7500.00} as well as {$45.00} charged as return fee for the XXXX checks Totalling {$7600.00} XXXX. After the purchases of the gift cards, I was supposed to make {$1300.00} from the survey. 
XXXX. I am usually careful when it comes to finances, but fifth third bank made me believe all was well. 
XXXX. Counting on your assistance towards this recovery, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
My Citibank credit card XXXX was paid in full in XXXX. Early XXXX I received a statement for this account showing a new balance, and I had already cancelled the account and no new charges were placed. I emailed Citibank and received a reply on XXXX/XXXX/XXXX that my account balance was {$0.00}. Now I received a letter from XXXX XXXX collection agency that I owe {$180.00} and it is being reported to the credit bureau as past due. I again emailed Citibank who will no longer respond. I need to get this account removed from the collection agency ; removed from my credit report with a corrected status of paid in full and not delinquent.

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 2022-11-14
Company: Experian Information Solutions 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:
The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2016-02-27
Company: Residential Credit Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld {$630.00} of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( XXXX XXXX XXXX XXXX XXXX, hereafter XXXX ). Second, after RCS sent me a transfer letter and XXXX sent me a statement for my XXXX payment, RCS sent me a XXXX mortgage statement. Thus, I am being billed twice in one month by XXXX companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occurred in XXXX, 2015. I have provided detailed supporting evidence in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: U.S. BANCORP
State: IA
Product: Credit card
Issue: Rewards

Complaint:
I submitted an application for a credit card stating a {$200.00} US Bank Rewards Visa Card would be issued after spending {$1000.00} in the first 90 days. I spent over {$1000.00} in the first 30 days and called in to see how to cash in on the {$200.00} reward. I was told by XXXX different employees during XXXX separate phone calls that the card I was issued was not attached to any cash rewards. The picture of the card on the offer and the card that was mailed to me that I used look identical. It 's a US Bank XXXX Visa Business Card. I had a credit of {$18.00} from reward % of my spending, I told them to close my account and send me a check for the {$18.00}.

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 2016-02-26
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Convenience checks

Complaint:
We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with XXXX check and interest to start XXXX XXXX if not paid in full. 
Later in the year they sent checks again offering 18 months with no interest. We used XXXX check to pay for a hot water heater repair interest to start XXXX XXXX. 
Finally had to use the offer of 18 months with not interest. We used XXXX check again to pay a dental bill. 
Now we have XXXX outstanding amounts XXXX is due to expire XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We sent in a large payment expecting it to go the XXXX XXXX charge [ note as of last month no outstanding balance other than the checks on the card ] Checking my statement found USBank applied the payment to the XXXX XXXX balance and only applied the minimum to the XXXX XXXX balance. 
When I called and finally talked with a supervisor asking for documentation that I should have received regarding this practice she stated the payments all GO to the HIGEST interest rate. Interesting all my XXXX checks have the same interest rate. So I will be paying off the oldest amount first and will be charged interest on the others as they become due unless I borrow money to pay off the full amount before XXXX. 
The supervisor stated they get a lot of complaints and they are looking into changing the rules. She did advise to make the minimum payment until XXXX. Once I am charge interest on the XXXX XXXX invoice pay it in full. Then continue to make minimum payments until the XXXX XXXX invoice is due then pay in full or make higher payments and the payments will all go against the XXXX invoice. 
XXXX last thing we do have a small recurring charge for newspaper delivery. Now we have to also pay minimum interest of {$2.00} due to the free interest total amount. Just removed that recurring charge to another card. 
I have only used a XXXX XXXX card with XXXX finance for 18 months. Have had more than XXXX purchase and they always apply to the oldest charge first. Never an issue. 
I will never use USBank card again.

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 2022-10-31
Company: FinCo Services Inc DBA Current
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank allowed XXXX XXXX to charge my card with a different debit card # which was different from my debit card. I switched my debit card off their app and was charged my previous card. I filed a dispute against it, but my banking app chose to side with the company for some weird reason when they said a different last 4 digits on my debit card from my current debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trans-U is showing negative information that is over XXXX XXXX XXXX. Mortgage XXXX # XXXX - XXXX is over XXXX years old. XXXX XXXX XXXX XXXX LP is not showing up on either Equifax or Experian. They have already removed this ....

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 2016-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We have filed claim number XXXX on or about XX/XX/2016 never receiving email containing claim number, details and or affidavit. Requesting refunds of Charges to XXXX for deceptive, abusive, hostile - unsafe conditions including XXXX attack and lock out. 

The attacks were experienced at the XXXX location were actually fueled by Chase 's unfair and discriminate practices of over drawing from my account. Clear violations of Fair Debt Collection Practices Act and liable for willful noncompliance of banking regulations. 
Once the charge was made from XXXX the funds were withdrawn from my account as an authorization. The host would complain within XXXX hours stating she receives her payment from caucasian customers overnight and ours take XXXX days or more ... .. '' Why is that?! '' XXXX days or so later Chase would reconcile our account by moving around deposits and payments and charge our account again for the XXXX reservation. 

This went on for awhile until the host lost it and threw our property outside in the rain and locked us out of the unit due to so-called non payment while charges had been withdrawn from my account. The host retaliated further by keeping our expensive property and groceries. We were forced to call the police to regain access to our possessions. During this hellacious event we suffered damages/loss over several XXXX dollars. Including being attacked personally and professionally on social media to the point that we can not use XXXX platform anymore. 
We filed a complaint with XXXX, to no avail .... they were actually on the phone with us as we called the police. We have filed claim with Chase requesting refunds. The first claim was refunded and then reversed without notice. Each time we contact them to complete the claim Chase gives us another stall tactic claiming the claim is incomplete ... .missing notes from the first claim. They would of called but my phone number was n't listed on the second claim that has the same claim number. 
When we ask for the notes of both claims to compare and identify what is missing Chase stalls and denies us access stating, " its internal information only. '' We believe Chase is acting in bad faith knowingly and intentionally stonewalling our request for credits and closure in this matter. We are currently over {$2000.00} XXXX XXXX XXXX ) overdrawn and out of over {$800.00} XXXX XXXX XXXX ) in wages, causing a financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my XXXX and Equifax reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of XXXX and Equifax showing the incorrect XXXX entries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Reported delinquent on my student loans for several months while I was in deferment in school. They have also submitted a claim to my bankruptcy court for payment and they refuse to take it back because they want my trustee to give them my assets even though I do no have a patent due. This seems very unethical to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed this collection account multiple times with no resolution. This account was discharged in a bankruptcy in 2012, but it is being reported as an open collection. It should be reported as a closed collection that was discharged in bankruptcy. I have asked numerous times for the status to be changed from open to closed and the only response I receive from Equifax is that the account belongs to me! I know that! BUT IT SHOULD NOT BE REPORTED AS AN OPEN COLLECTION! All other Credit reporting agencies have changed the status except Equifax! I have also filed a complaint against the collection agency for falsely reporting this account as an open collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with US Bank at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with US Bank until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.

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 2015-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
we keep getting calls from a company called portfolio recovery. they say there looking for a person who does not have this number. i have told them many times and they say ok we will take care of that yet they will call another XXXX times the next day they call at all times even on early sunday mornings. tell them stop calling and check my number and see who it comes up to i told them i am on the do not call list.and they still call some times after XXXX at night

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: U.S. BANCORP
State: PR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My wife and I obtained a construction to permanent mortgage loan through a loan officer at US Bank in early 2014, to provide financing for a custom home we were having built. We closed on the transaction on XXXX XXXX, 2014. The department within US Bank that handles the disbursement of draw requests to the contractor allowed for the contractor to obtain funds well beyond the completion of the home. The bank was provided progress inspections by XXXX XXXX, a party of THEIR choosing, which identified with photographs and completion percentages that the basement of the home had very little work completed, yet US Bank approved to fund the contractor budget items that would have required substantially more money to complete the basement which was part of our plans, specifications, and contract with the contractor. Upon receipt of the excess funds, the contractor promptly abandoned our job leaving us to hire a different XXXX to complete the home so that we could obtain a certificate of occupancy and have a home to live in. I disputed the handling of the draw process once it was evident that the XXXX had abandoned us, but the person handling our disbursement indicated that I would need to fund the additional amount to complete the home. It cost us more than {$100000.00} more than our contract to complete the home. This figure includes over {$60000.00} in excess funds I needed to provide to complete the home in accordance with the plans and specifications, as well as the substantial amount of change orders that I funded to the XXXX to ensure there were sufficient funds left in the loan proceeds to complete the home. The contractor then submit for full disbursement of XXXX budget items that clearly would have required additional funds to complete the home. The negligence on the part of US Bank in allowing for our contractor to get over-funded on this project is the obvious reason that the contractor abandoned the job. He no longer had any financial incentive to honor his contractual obligations. At no point during the draw process, did US Bank or XXXX XXXX provide me with details of what the contractor was requesting for review. I demanded the information that was submitted by my contractor to XXXX XXXX and eventually they complied and provided the detail of the draw requests ( XXXX ) as well as the inspection reports that were completed in conjunction with the draw requests. This happened after the contractor had already been over-funded and had made the decision to abandon us. Upon reviewing the supporting documentation and inspections, it became quite clear why the contractor chose to abandon the job.

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 2022-11-13
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: U.S. BANCORP
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices.

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