BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Payment Details First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid Bank did not cr the amt they paid to my mortage, on my recent statement. 

Also the court threw out their complaint XXXX/XXXX/15 Payment Details Pay Period Payment Details Balance Due Status First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid court rule that wells defaulted by not answering complaint,

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 2015-10-26
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit of {$1300.00} to my new US Bank account on Thursday morning XXXX/XXXX/2015. The funds were removed from the account that the check was drawn off of on XXXX/XXXX/2015. I wrote XXXX check for {$420.00} and performed XXXX small debit purchases over the weekend with the full awareness that my account had over {$1000.00} in it. Come Monday morning XXXX/XXXX/2015, US Bank had assessed me overdraft charged, returned the check I wrote on Friday AND tells me that I am now {$300.00} in debt to them BUT my account balance is {$1000.00} that they will not acknowledge until XXXX/XXXX/2015. I checked with the CFPB and unless the check was drawn off a foreign bank ( nope, drawn off a California credit union ) or is in excess of {$5000.00}, they can not legally hold those funds for more than 2 business days! I have been down to the branch XXXX this morning. I have shown them PROOF the funds have been withdrawn from the payees account. I have had XXXX long telephone conversations and STILL they will NOT RELEASE MY OWN MONEY THAT THEY HAVE IN THEIR POSSESSION TO ME. Not only that : THEY ARE ASSESSING ME FEES. This is a scam and must be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
One bank was saying they never received it and the other saying sent it neither Bank wants has the money it's like it disappeared out of thin air the amount was {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On, or around XX/XX/2022, my grandfather ( Upwards of XXXX yrs of age ) started receiving phone calls at XXXX EST regarding a debt that does not belong to him. He Has been recovering from XXXX and has other medical issues. I have since called the company and have given them all of the correct contact information. I have also requested multiple times to have his number removed and to stop calling his phone number. They continue to call every single day starting at XXXX am EST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MI
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: U.S. BANCORP
State: AZ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I received as a gift a {$100.00} gift card issued by U.S. Bank National Association ( XXXX ). The card was in the original package. I opened the package and called the XXXX number printed on the card to verify the balance. There was a {$75.00} dollar transaction that was completed before I even opened the package. I immediately called customer service. They asked me to provide a fax number. I do not have one and in the end they asked me to fax copies of the card ( front and back ) and the packaging ( front and back ). I explained to them that I do not have a store purchase receipt for the card since it was given as a gift. I faxed all the information available to XXXX as instructed by the customer service representative.

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an unauthorized Wells Fargo credit card account I just discovered. I do n't see that there has been any activity on the account, nor any fees that I can see. But it 's a {$2000.00} credit limit I did n't ask for.

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 2016-06-12
Company: CCS Financial Services, Inc.
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 was paid

Complaint:
In XXXX XXXX, my wife and I disconnected our service with XXXX XXXX XXXX. At the time, XXXX XXXX XXXX issued us a refund for the funds that we had paid. 

A month later, XXXX XXXX tried to charge our credit card for another monthly payment, at which time we contacted customer support. We were told that they were unable to stop auto-payment and that they would refund the charge. After a month, the charge was not refunded so we asked our credit card company to cancel the payment. 

After cancelling the payment, XXXX XXXX sent us a debt collection due to the cancellation of the credit card charge. After speaking with XXXX other people, we were reassured that the notice was sent in error. Finally after speaking to a XXXX person, we were told that the notice was correct because of the way they do their billing. 

After fighting with the company for 6 months, we agreed to pay a reduced amount to close the issue. 

On XXXX XXXX, XXXX, we received a letter from yet another collection agency trying to collect on a XXXX XXXX debt. This time it was for an amount that we did not recognize and has never been billed to us at any time. We have responded to the collection agency yet again. 

This appears to be a common practice by XXXX XXXX of sending unsubstantiated debts to collection agencies. We have also dealt with an issue where XXXX XXXX tried to collect a debt from my wife for not returning her equipment despite the fact that she had a receipt from the day it was returned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: U.S. BANCORP
State: AZ
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:
I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.

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 2015-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I recently contacted Capital One regarding a chargeback item that I was charged for services that were supposed to be rendered. Once the initial dispute was created online, I was not contacted again by Capital One or given any type of statement credit. I followed up with Capital One around 30 days later, only to find that my dispute had gone nowhere. They showed the dispute in their system, but told me that because the charge was prior to 120 days from today 's date " there was nothing they could do about it ''. I attempted to contact their Transaction Support Center again and at that time they informed me they would send me a packet to fill out and return. Today, I received a XXXX-page letter stating that " if you still want to dispute the charge, you will need to contact the merchant and work directly with them on this matter. At this time, we consider your case closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM is constantly misapplying my additional principal payments. I have to call the customer service dept every month to ask that they reapply the additional principal payment i make AFTER I've made the corresponding payments due. 

The last TWO loan statements indicate that GM is applying my additional principal curtailment to interest that's not yet due. This is considering I've already made the monthly payment that's due. 

For example. The XXXX payment is due XX/XX/XXXX i paid it in full XX/XX/XXXX and then two days later made another payment. They constantly misapply the payment to next months interest. 

I feel not only wasting mine and everyone else time but causing financial harm. Forcing me to pay more interest on a much higher balance. 

I'm tired of calling GM financial every month. They need to update their systems to ensure funds are not misallocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Concord Servicing Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They charge {$5.00} for payments over the phone or on-line, but not on the much more manual method of sending in a paper check. Then they categorize that charge as 'Late Fees '. The payments made over the phone or on-line post in XXXX hours. According to Subsection 1026.10 ( e ), fees can not be imposed on payments made by mail, electronic, or telephone unless that method involves an 'expedited service '. XXXX hours posting seems a standard for creditors to post payments, no an 'expedited service '. Is this creditor, Benji/Concord , hiding these {$5.00} per payment charges to their customers by categorizing them as 'Late Fees '? If so, is this an illegal business practice? 
Any and All interest accrued or paid is not reflected at all on the paper Billing Statements they send out. 
My final payment made and discussion had with Concord was on XX/XX/2022, at XXXX, with representative 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 2017-02-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient sent me an email a few months ago stating that my payments were going to increase. I called them right away and informed them that I could n't afford higher payments. The agent assured me that my payments would remain at {$280.00} for the life of the loan. However, they took out {$370.00} today. I called in and they explained that the arrangement I was in ended in XX/XX/XXXX. I explained that was the reason I called in a few months ago because I knew it was going to end but they assured me that it was suppose to be {$280.00}. I call in and they state that I have to wait until the end of the week and see what they can do for me. This is such an inconvenience and it makes sense why there is a lawsuit against them. The agent stated that I should have received a letter in the mail explaining that my payments would increase, but I never received anything. I am so disgusted with Navient and the kind of service they provide. I have never missed a payment or been late and this is how they treat good customers. Wow!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do no know the origin of this loan as when I contact Navient they state they have no record of me at all. However I have two charge offs my credit report in which I disputed and they reaffirmed as XX/XX/2022. How can you re affirm a debt you can not prove the orgin of? I am trying VERY diligently to purchase a home and this is standing in the way of me having a stable place to live. I need these two negative items removed from my XXXX credit report so I can have a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I, XXXX XXXX, Consumer, Living person sent in a payment of {$950.00} in a remittance payment. I turned the statement into a negotiable instrument & money order. I have put my beneficiary signature in it also, ucc codes stating what exactly to do with payment and why it is a valid payment according to federal laws. On XX/XX/2022 a certified mail this payment. Attached below aswell. On Saturday XX/XX/2022 it was received by a employee from American Express from the post office. Now the payment can not be found and did not apply payment to my account. Theyre committing fraud for not applying my credit to my account. Also, with billing errors and contacting me the consumer. I have provided tracking number for proof of sent of payment but they have failed to apply my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have been unable to update/view my credit report online with Equifax, I pay a monthly subscription for their service and have been unable to view/update my report since XX/XX/XXXX. The following error message is received, Eval Code : - Status Code : XXXX, Reason Code : XXXX. I spoke to several reps, they said it was a technical issue and would be fixed but it is now been three days and still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: SUN LOAN COMPANY INC.
State: MO
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 opened an installment loan in XXXX of 2021, with Sun Loan Company, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into Sun Loan on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX American and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
THIS DEBT FOR XXXX HAS BEEN RESOLVED PER THE XXXX. THE DAYCARE DID NOT FOLLOW THE PROPER BILLING PRACTICES AND PLACED THE DEBT IN COLLECTIONS. THE DEBT WAS ALSO PLACED ON MY BANKRUPTCY TO BE REMOVED. IT HAS NOT BEEN REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX I called Equifax in regards to a dispute I made for an account listed as XXXX XXXX. I spoke with XXXX and I have never been so humiliated. Then I requested to speak with a supervisor and the both of them gave poor service and had an attitude throughout our conversation. Dealing with these type of people your dispute will never get resolved. The initial creditor informed me they sent over legal documentation for removal of the account and Equifax said they didnt receive but I have proof the creditor sent it over several times. Equifax is opening themselves up for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: VA
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, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from Equifax after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both XXXX and Equifax, both personally, and with XXXX XXXX legal counsel. 

Equifax is the only credit bureau reporting this charge off data incorrectly. It has corrupted my FICO score by nearly 100 points. I have otherwise excellent credit. 

Equifax has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both XXXX and Equifax repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.

Company response to consumer: Closed with explanation