BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got an ominous sounding message on my home phone on Tuesday, XXXX XXXX, and I called back 5 minutes later. The person I spoke with would not give me the address of their company initially so I could send a cease and desist letter. Eventually they gave me the address but I 'm not sure it 's correct. The person said I owed some payday loan debts but could n't provide me with a copy of the documents proving I owed any money. I have no idea who this company is or what debts they claim I owe. 5 minutes after I talked directly to someone at the company, calls were made to my mother, my sister, and my work. All XXXX of those calls were unnecessary and a violation of the FDCPA. On Wednesday, XXXX XXXX, I got another call at my work number, and Thursday, XXXX XXXX my sister was called once again. All of these are clear violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other

Complaint:
US BANK REFUSED to remove credit card account information from 'Authorized User 's ' credit report which can negatively affected on credit decisions and negatively affecting credit card utilization. Authorized User is NOT ACCOUNT OWNER and not liable for any of subject credit card debt according to US BANK. Account owner requested proof of any documents/electronic signed documents of authorized user 's with social security number but US BANK representative, XXXX ( who refused to provide last name and employee/representative number ) refused to provide.

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 2021-12-30
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2XXXX XXXX XXXX XXXX, I made a purchase, {$71.00} with newly approved Old Navy credit account, Receipt last XXXX = XXXX Never received card. 
Got billed and noted, not just my purchase, but fraud charge {$720.00} by XXXX XXXX XXXX ( sic ). Under that is " Other Transactions '' and " gas, groceries etc. Statement last XXXX = XXXX I sent a note, explained the above, with payment for my purchase of {$71.00} and note disputed the {$720.00} to XXXX. I questioned how that was even possible, since Old Navy is a clothing store. Never did get answer. 
I stated emphatically to cancel account and I do not want another. Explained why : called XXXX different numbers for Old Navy. None allowed talking with actual person, just going in circles wanting payment. 
Finally on-line chat that referred me to Synchrony Bank XXXX Here we go again with automated system. Research led to another on-line chat that referred me back to Old Navy! <lousy customer service> Again to Old Navy, given another number to Synchrony Bank.

Accepting my claim of Fraud, Old Synchrony falsely reported i.d . theft to credit reporting agency. 
After 4 months, still no real investigation. 
Why 2 different account numbers? 
Was cashier involved? Or staff that processed card? 
I researched the business XXXX and found numerous scam and Fraud ; i.e. Construction, Employment, Government grants, and not to mention, Transport Servic. 
Now, Synchrony has manipulated my payment and fraudulently attributed {$11.00} to " Interest Paid ''! 
All previous statements are 0 Interest.

Previously, Synchrony stated I'm " Responsible, Authorized, Participated In or Benefited. '' False. 
I asked Where, Exactly, did the XXXX charge emanate from? 
They've been adding late fees, Interest And sent me not just one, but 2 different credit cards! 
They harrass me for payment, but never did an actual real investigation. 
Reported i.d . theft when I stated never received card, and pointed out One fraudulent charge by 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 monetary relief
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

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 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX banking services. I received a card when it was newly established as I am to have controlling shares and investments. The account was received and I did not set it up. It was then closed as soon as I finally got access to account. I have been still fighting identity theft for the past few years. There are several other banking institutions that I am still having issues with and have ruined my excellent credit that was in low XXXX and now in low XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2009 I applied for a modification with Wells Fargo. They told me the only way to get XXXX was to go into a moratorium, meaning instead of paying my full monthly amount, i should only pay a third for three months. I signed a document that in the fine print said would mean i was going into default and they were assign late fees and report it to credit ratings. I was told on the phone do n't worry about that. My credit dried up. My rating was wrecked. I wrote to the bank. I called. I sent money to fix the situation, but they sent the check back. I finally got a modification, although it was not worth it, and then when I was earning more I could not refinance because my credit was destroyed. The modification cost me greatly. The bank made more on me.

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 2017-01-11
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made 2 payments to my mortgage servicer along with a letter explaining exactly where I wanted to have the money and they did not place it in the requested accounts. Either time. I thought that they had to comply with my requests. It was in writing and sent certified. The second payment was made as requested by them, and also went into " unapplied funds '' therefor making my mortgage look like it is delinquent. I am trying to apply for grants to help me fix up my house and my mortgage must be up to date!!! They are preventing me from doing this!!! I am enclosing all documents I am referring to. This is not the first time they have made my mortgage LOOK like it isnt paid up to date. Can you help me?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX that I did n't know about. 
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I had an account with Target XXXX Bank Account XXXX and was charged off. They sold the account to XXXX XXXX Account XXXX and it 's reported as a collection account, this is a double reporting that is called double jeopardy, double damage to my credit report, I have been disputed this double reporting with other creditors and everybody else have removed XXXX of the accounts just Target and XXXX XXXX are really hard to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two  confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2019-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On My Equifax Credit Report seems to be a few things that have not come off that they had agreed to take off The following addresses I am not associated with : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employment info is also incorrect XXXX XXXX XXXX XXXX i do not work at I am with a company called XXXX I am just looking for those addresses to be updated and the employment info updated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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:
I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, In early XX/XX/XXXX I contacted Suntrust customer support in order to close my checking and savings accounts. This request was submitted via their online customer support chat portal, and my savings account was subsequently closed. 

I noticed on XX/XX/XXXX that a XXXX XXXX Monthly Maintenance fee was assessed to my still open checking account. I once again contacted Suntrust customer support in late XXXX via secure messaging on my account and requested this fee be reversed, and provided once again written instructions to close my checking account. 

On XX/XX/XXXX the XXXX XXXX Monthly Maintenance fee was refunded to me. Suntrust, however, did not close my checking account. Another monthly maintenance fee was assesed on XX/XX/XXXX to bring my account balance to - {$17.00}. 

I contacted Suntrust via phone on XX/XX/XXXX for the third ( 3 ) time to have them process the closure of my account. The customer support representative informed me that I would need to deposit into my account to bring the balance to {$0.00} before it could be closed. 

I informed the Suntrust representative of my repeated attempts to close the account, as well as the prior maintenance fee refund. I explained that I should not need to deposit money to rectify an issue- the account remaining open for well after i repeatedly requested its closure - that was entirely due to Suntrust 's refusal to close my account per my instructions. I informed the representative that I would be filing a CFPB complaint to rectify the issue. 

I am requesting the CFPB instruct Suntrust to close my account and reverse any of the maintenance fees assessed to my account after my repeated attempts to close the account.

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 2015-03-31
Company: U.S. BANCORP
State: WA
Product: Consumer Loan
Sub-product: Title loan
Issue: Applied for loan/did not receive money

Complaint:
I had not intent of applying for this kind of loan but was solicited to do so with deceptive practicesI was told the loan would be easy to get and I would have no trouble qualifyingSoon after I was forced to go through a process that called into question my credit worthiness, my property records, and so on. The process turned from " no trouble qualifying '' to a miasma of official documents and the likeI was sent a letter stating that the loan was approvedI was told the loan would not be approved on XXXX XXXX I received another letter asking for documentation so the loan would get approvedSn email from me : In the end I do not understand why the paperwork relative to the divorce and the deed for my home were adequate for a line of equity from Homestreet Bank and a {$400000.00} refinance from XXXX XXXX XXXX. 

You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. 

Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. 

The paperwork was returned. However, I also received a XXXX day air UPS package from a bank XXXX blocks from my home that was supposed to be sent to me on XXXX and should also include my tax documents. In perhaps the most pitiful part of all of this my tax documents are not included in the package. Instead I received tax documents for XXXX XXXX XXXX whom I do not know. 

US BANK cajoled me into applying for a loan I did not seek. I was told the loan was approved but I needed to close XXXX credit accounts. I did this is good faith based on the assurance of my bankerI was told by the banker that the loan was a part of building my relationship with him and US Bank. He did not tell me that he was leaving US Bank even as he had announced this before I applied for the loanMy grievance has to do with the strong arm sales tactics of US Bank and the deceptive parts of the loan process. The banker blamed the incompetence of the underwriters for the delay in processing the loan and left the bank before the loan was denied. 

In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. 

This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a return check that resulted in a over draft return fee. Then i forgot to remove my auto pay billing and got hit with another overdraft return ach fee. They never paid any of those payments and now i owe the bank XXXX just in fees. I called and tried to talk to them & gave them my situation. Im a poor college student and I didnt plan on all this happening. No help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On a conversation on XX/XX/21 @ XXXX it was agreed that once a payment of {$1700.00} is made the deferral will be approved without any doubt. 
Payment was made and I called mr cooper the very next day and inquired about the deferral in place. 
I was told that the deferral isnt guaranteed. 
I made sure my bank would bounce the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The Bank is US bankMy bank account had 2200 dollars in my bank account on XX/XX/XXXXI deposited a check for XXXX on XXXX so I my balance was over XXXXthe bank returned my check. 
they stated on of the names on the check was on the account being deposited. 
Received an email stating my bank account was over drawn to -4500 dollars on XXXX called the bank.the same dayThey bank stated the overdrawn position was a bank error. It had something to do with making money available during the deposit phase of the check deposit. they told me they had moved over 5400 dollars from my line of credit to cover the overdraw position. Complained and asked how can an account of more than 10,000 dollars go down to XXXX XXXX XXXX ). The difference between these XXXX numbers was XXXX dollars. How could they have taken that much money out of my account? They said it was a bank error and that they would fix it. To this effect they stated they would refund the charges for the bank transfer of 5400 dollars. I assumed it was fixed. 

XX/XX/XXXX I received a statement from US Bank stating I owed over 5400 dollars. I called again XXXX. The last person stated that it their department was the checking department and they could not help with the premier line of credit because it was a credit card problem. 

Called them another day. Asked to talk tot he premier line of credit department. They stated they would not help. They referred me to the branch manager. 

Called the bank manager. The manager is not there all the time. They promised to call monday XXXX. In the mean time their credit card department is calling me stating that I am past due. I explained whit the problem is and they stated they can not correct the problem. As of today they have called me XXXX times. 

The facts are my account balance was never XXXX. I had not withdrawn or spent money during the time that the check was deposited. This should have never happened. At least XXXX people at the bank have acknowledged this was a bank error. However not one has fixed it. 

How can force them to fix the problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-30
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank Home Mortgage is trying to take away my home at all costs. By their refusal to work with me, they have cause me to be in a worse position than I was originally after I suffered a job loss. They denied me a Loan Modification and all other programs that could help me get back on track and because of their attitude I decided to do a little research. As it turns out, they are illegally trying to foreclose on my house.

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 2017-02-17
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. Bank.

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