BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt collector by the name of XXXX XXXX XXXX in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX CREDIT REPORTING AGENCY THEN TO MY SURPRISE XXXX HAD REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE 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 2015-03-25
Company: Fairway Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Fairway Collections is suing me for a debt incurred XX/XX/XXXX. The debt was for {$160.00}. They garnished my husband 's wages and collected {$230.00}. They did n't garnish anymore and thought the debt was paid. Then, in XX/XX/XXXX they attempted to garnish again and we made a payment agreement paying another {$150.00}. ( at that time I was suffering from the effects of XXXX XXXX XXXX ) Again, we thought our obligation was finished. Now they are attempting to garnish my husband 's wages again for the same debt and this time have tacked on interest, court fees, etc. for a grand total of {$1500.00}! That is 12 times the amount of the original debt! We offered them our entire income tax return of {$400.00} and they refused! Please help us. My husband just got a new job because his company is closing. The new medical insurance is unaffordable for me and being a XXXX XXXX survivor it is very important for me to have insurance. We were in the process of purchasing insurance for me but the collection agency will take XXXX % of my husband 's paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have faxed and mailed US Bank numerous letters, police reports and copies of personal identification information in regards to me being a victim of identity theft and someone stealing my identity to open up fraudulent checking and savings accounts in my name. XXXX Bank refuse to remove and clear the fraudulent accounts from under my name, date of birth, social security number and Minnesota drivers license number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am writing to complain about a penalty charge of {$89.00} put on my sole current account at US bank. 
On the morning of XXXX/XXXX/2016, I checked my account which showed a balance of negative {$20.00}, while in the process going to the bank to deposit the {$20.00}, I was told that my account was actually negative {$89.00}. I attempted to call customer service for assistance, but was scolded about what : my job '' is as a customer. There was no valid explanation about why the account showed XXXX different balances, within hours apart. I am requesting assistance from the Federal Reserve Consumer for help. bill. transaction. I do not understand this as I was not overdrawn on my account at that 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 monetary relief
Consumer complaint received 2016-10-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other fee

Complaint:
When I signed up for the credit card I did so under a promotion that would waive the yearly fee as long as there was an open checking/saving account. I then opened a checking and savings account with them and transferred everything over. All was fine until my one year mark when they charged me a yearly fee. When I contacted them the first representative told me that there was no such thing ( the promotion ). I told them that i would not make this up and if they are unaware of it then they need to find someone who does. When I finally spoke to a supervisor ( 30 min hold ), they told me that yes the promotion was active at the time of my sign up but the representative never signed me up and there were no notes on the account. I protested, why should I be punished for someone not doing their job. The supervisor then told me that I would need to find the promotional mailer ( one year old at that time ) to prove that I was offered it, even though it showed as active during my sign up. 
This was the XXXX travel rewards XXXX. I have had nothing but problems with them honoring my initial agreement, even though I constantly use my credit card and keep it in good standing.

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 2019-05-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}. I then immediately call up Wells Fargo and issue a claim on the scam. Through transfer after transfer, I finally get my claim issued, after multiple telling me that ill most likely get my money back through the claim due to the information on the scam. Today, on XX/XX/XXXX, I follow up on the claim and here that the issue has been closed and declined due to it being XXXX related, this ofcourse after a countless amounts of transfers once again. According to Wells Fargo employees, XXXX claims never come back approved, so why even issue the claim in the first place, in addition why would multiple tellers tell me that they were confident in receiving my money back. In addition, apparently any XXXX account can be created with any phone number, and not the one thats tied to the bank account, which sounds like a total security hole. The money should be issued back from Wells Fargo as a refund due to the fraud protection, with money transfers are included in, which includes 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 2017-04-28
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
1 ) Please provide the name ( s ) of guarantor ( s  ) for loan #  XXXX .      2 ) Provide the name ( s ) of ind ividuals whom applied for credit for loan #  XXXX .     Thank you -  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 2016-08-23
Company: First National Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
after many attempts to pay this debt. off this company refuses to remove this debt from my credit report ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The mortgage servicer Rushmore Loan Management Services did not provide me with the Notice of Transfer Letter in accordance with 12 CFR 1024.33. The transfer was done on XXXX XXXX, 2015. Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). I, the borrower should have receive the notice from the servicer at least 15 days before the date of transfer of servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I APPLIED FOR A LOAN AWHILE BACK AND AT THE TIME AND WAS EMPLOYED THEN BUT UNFORTUNATELY LOST MY JOB AND MY HUSBAND WAS THE ONLY ONE WORKING SO WE FELL BEHIND IN BILL 'S SO I WAS N'T ABLE TO PAY BACK THE LOAN RIGHT AWAY NOW IT IS IN COLLECTIONS AND THEY WO N'T STOP CALLING REPEATEDLY THROUGHOUT THE DAY SOMETIMES SAYING NOTHING OR SINGING IN THE BACKGROUND AND MY VOICE-MAIL IS FULL OF THIS MESS AND THIS HAS BEEN HAPPENING SINCE LAST YEAR FOR MONTHS EVERY DAY THROUGHOUT THE DAY AND I 'M TIRED OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Home Point Mortgage Acceptance Corporation
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
They denied me stating that they used VA 's guidelines. Va 's guidelines state I didn ot have to have a clear XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-25
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY
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:
I was contacted regarding consolidating my student loans and did n't mind the fee. But XXXX says it 's a scam and I should file a complaint. Global Client Solutions says they will close my account. The number of the " servicer '' is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Enclosed are detailed transactions for my Infiniti Financial Services account for XX/XX/XXXX. 
Please see the enclosed IFS statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XXXX. Therefore my bill was not late and please updates all credit reports with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: General Motors Financial Company, Inc.
State: GU
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I co-leased a vehicle on XXXX/XXXX/2015 with my husband who 's in the military ( 2015 GMC Acadia VIN # XXXX ). The dealership gave us false information about being able to ship a vehicle if given military XXXX. After 15 days of leasing the vehicle we received military XXXX and was able to return the vehicle and received a full refund from XXXX XXXX XXXX in the amount of {$1500.00}. We opened a case with GM financial ( Case # XXXX ) and was able to get the full refund due to the negligence, misleading information and law that Service Members Civil Relief Act outlines in Section 305. 
I called GMC Financial @ XXXX and was referred to the City of XXXX XXXX to get this resolved. I then called the City of XXXX XXXX Treasury office @ XXXX and was told they did not report anything to GM Financial as they do n't have me owing anything to them. I then called GM Financial back and ca n't get a hold of anyone. I 've left multiple messages for the GM Financial recovery department @ XXXX and have not received a call back. 
I now have XXXX reports on my credit report stating I 'm late on payments which has decreased my credit score. I am getting the runaround from GM Financial and no resolution has been given. I 'm currently XXXX and contacting GM Financial requires me to stay up late, as their hours of operation are during sleeping hours here. I need GM Financial to do their due diligence to ensure my credit report is cleared of any negative reports stating I 'm late on payments and comply with the Service Member Civil Relief Act which also covers dependents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Lending Club Corp
State: ME
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 repeatedly tried to remove the fraudulent XXXX Lending Club loan from my XXXX credit report. The loan is not mine and when I call Lending Club I am told they can not find the account ( obviously ) so they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: MLD MORTGAGE INC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I was refinancing my loan with MLD Mortgage and we closed on it but they did n't fund the mortgage for a week and did not repay me the interest for that week. They also stated that they would not charge me for the closing cost but it appears as though they still did. After 2 months of me paying my mortgage directly to them ( without them providing me with an amortization schedule or an idea of how my payments were impacting the principle ) They then sold the loan to XXXX without reimbursing me the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Collections Acquisition Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Payalience has continued to try to charge me for a debt that was already taken care of in my XXXX report its closed and a different Collection agency is listed so makes me believe that XXXX disclose my information to XXXX different collection agency 's which its illegal the XXXX XXXX is XXXX and second payliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I noticed that my account had been charged XXXX overdraft fees in the amount of {$35.00} each totaling {$70.00} from Citizens Bank on XXXX XXXX. Not understanding this I called Citizens Bank to get an understanding. After an hour of the customer service rep speaking to me and not giving me a clear understanding of why they charged me the over draft fee she hung up on me. So I called back and spoke with another customer rep and once again she could not give me a clear understanding of why they charged me this over draft fee so she informed me that she would get her manager on the phone who can better explain what was going on. XXXX the manger begins speaking with my and pretty much stating the same thing the customer rep stated which was still confusing, she then decides to walk me through bringing up the overdraft notice which was sent out to me online so I can see what brought my account to a negative. What I noticed was the amounts that the XXXX prior customer reps were informing me brought my account to a negative was incorrect. XXXX continues to inform me that the online ledger is not a reliable tool and that the information I see is not accurate and that I should not rely on it. So I asked XXXX, you 're telling when I am checking my account online and on my phone multiple times a day to make sure my account is balanced the information that Citizens bank is posting is not accurate so I should not rely on it. Well this completely blew my mind. Mind you the whole time I am speaking with XXXX she has been nothing but rude and condescending. Citizens bank has charged me overdraft fee totaling almost {$1000.00} dollars this year some have been justified and and when they are I just pay it but also some have not and when I call they give you the run around and do n't fully answer your question until the point where you become frustrated and just give up. Once again Citizens bank taken my hard earned money and the post inaccurate information on your account. I will be closing this account shortly. Prior to this Citizens bank posted an aomount of XXXX to my account which also caused me to go into over draft which they charged me {$35.00}. They refunded the XXXX because I disputed but will not refund the {$35.00} the charged me. I am not sure how that works at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
For the past five years. I have had several problems with webster bank. charging me fees. The staff ordering atm cards without me being aware of this.Ive had an idenity theft problem. someone else has charged on my account. and I was charged several fees. and now have this on my credit report. i was forced to keep a saftey deposit box. I did not want.I am being charged over {$500.00} a month in insufficiant funds fees. the dates do not make sence. I have the money in the account. like deposits are being held back. this is insane every month. i know someone else has made withdrawls from our account. Ibelieve maybe someone at the bank has something to do with this. I do have a XXXX XXXX on a XXXX XXXX XXXX/XXXX XXXX XXXX CT. who has stolen all of our bank records from our home. we didnt have any of these issues untill this man came in to our lives. i have gone t the bank several times. and they are not helpful. The webster bank in XXXX XXXX CT has been nothing but a nightmare to deal with. since the manager is no longer there. Its all new staff. there rude and cant seem to figure a thing out. They dont even ask for ID. Ive tested this several times. i need someone o help with this. we are a small company. we can not afford to have these fees taken out like this. when its not justified.

Company response to consumer: Closed with explanation