BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: U.S. BANCORP
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car loan with US Bank is on auto-pay from my checking account. While I do not write a check, US Bank requires that my bank send them a check, which they do monthly without exception. In 2015 US Bank received a check and entered an account number on the face of the check. That account number was incorrect. As a result, that payment did not post in time. I manually made a second payment to ensure that the account was up to date. The payment was flagged as late and US Bank charged me a late fee. My bank contacted US Bank, explained the error and the fee was waived. Temporarily. The fee was later reinstated and now US Bank is charging a fee on top of the late fee every month until the late fee is paid. The account continues to be on auto-pay and principal and interest in full are paid on time each month. This unfair fee is up to {$110.00} as of today 's date. All of this as a result of US Bank 's own error. I have contacted them and explained the circumstances to them for which their call center employees have no response other than they will look into and call me back. They never have. I would like this fee waived as it was the fault of US Bank and auto-payments have been made on time without exception from the inception of the loan.

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 2022-10-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I applied for a refinance of personal loan over the phone. I later received an email saying I was approved for the loan. It included the details of the loan terms, interest rate and payment amount. At that time, based on the details, I decided not to go forward with the loan because the interest rate was higher than I was already paying. I notified Navy Federal credit Union that I did not want the loan. The representative said she would cancel the loan. Later that day, I received another email from Navy Federal Credit Union saying I was not approved for the loan. 
I feel that this was in retaliation because I did not accept the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Michael Wayne Investment
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: Sterling Infosystems Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX, 2016, I responded to an online ad for a XXXX position for XXXX XXXX XXXX XXXX disclosed online, their background requirements and the process for securing a job. Their background check screening goes up to 7 years so I applied for the position. Later, I learned that XXXX XXXX background check requirements was misleading when I received a copy of my background report from Sterling XXXX XXXX the " Background Screening Service '' where my background check revealed that a 7 plus year background screening was performed on me which, I was not aware of nor did I authorize XXXX XXXX or Sterling XXXX to do. 
On XXXX XXXX, 2016, after I received my report from XXXX XXXX. I immediately requested that Sterling XXXX investigate the errors on my report and demanded to know why their company disclosed information to XXXX XXXX that was more than several years old. I believe Sterling XXXX clearly knew what they were reporting and how far back that they were reporting this information to XXXX XXXX. I believe that they deliberately distorted and lied about my clean motor vehicle record and there were a couple of dismissed cases on my report that were more than 15 years old, that Sterling XXXX XXXX reported to the employer. On XXXX XXXX, 2016 I received an email from Sterling XXXX Representative " XXXX '' stating that she completed the investigation and that she sent me a copy of my report but, I have yet to receive it. 
Even if, Sterling XXXX send me this report, the damages have already been done. XXXX XXXX sent me a new email on XXXX XXXX, 2016 with a second and final decision not to hire me. I believe that Sterling XXXX is at fault for this and for violating the Fair Credit Act. I feel that I have a right to sue for damages in the state or federal courts and I need to know how to proceed in this case. 
I am going to attach a copy of the email I wrote to Sterling XXXX CEO XXXX XXXX and XXXX XXXX. Representatives in regards to my complaint against both companies and I 've attached a copy of the background check that was emailed to me by XXXX XXXX including an online link to XXXX XXXX background check requirements. Here is a copy of the online link : XXXX. I have a copy of my actual background and motor vehicle record at your request. 
Sincerely 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 2016-11-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new Checking account at TDBank online. 
Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. 
I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. 
Till now the money was not credited. My XXXX account was debited right away. TDBank refuse to make good as per their policy of new accounts. 
I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. TDBank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. 
XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. 
I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I learned that XXXX Systems reported account # XXXX to the credit reporting agency. On or about XXXX XXXX, 2016, I contacted Armor Systems and I stated that I was disputing the debt owed. I was told to put it in writing and email a letter to them. The letter was emailed. On or about XXXX/XXXX/16, I contacted Armor Systems XXXX and XXXX XXXX from the credit department hung up on me stating that she does not have to assist me. Called back and spoke to XXXX XXXX again and she stated that they never received the letter emailed to them on XXXX XXXX, 2016. I again stated to XXXX XXXX that I was disputing the debt and will forward another letter to them. I asked XXXX XXXX what contact information did they have on file for me. XXXX XXXX stated that they tried contacting me at XXXX. I explained to XXXX XXXX that the number is disconnected. XXXX XXXX also stated that they sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXX. I told me XXXX XXXX that I 've never received a letter nor did I receive a phone call. I was not notified by Armor Systems about the debt until it was unfairly reported to the credit bureaus. I should 've been given an opportunity to dispute the debt but instead Armor violated the law by not allowing me the opportunity to dispute it instead the reported it to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-17
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previous filed a complaint against this company for trying to collect a debt I do not owe. This company has ruined my credit and continue to try and collect a debt that I do not owe. I received a letter from the collection agency stating they reported I owe a debt for {$580.00} to the credit bureaus. I continue to dispute this debt over and over. With this company false allegations and continuous aggressiveness to pursue a debt they know I do not owe has caused a tremendous amount of stressed to my family and should be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: ERC
State: CA
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:
I have been monitoring my credit weekly for 2 years now and have discovered that ERC, a third-party debt buyer, has reported a {$59.00} derogatory collection on my credit reports. I was never given any notice of the debt due ... never given a chance to dispute the issue within the 30 day period, which is required by law and a violation of my consumer rights under the FCRA. 
I am writing to obtain validation that the company has a right to collect this money from me. Thus, ERC indicates that XXXX XXXX is the original creditor ; however, I never owed XXXX XXXX any money. When I moved from XXXX, I returned the equipment to the XXXX office and paid the amount that XXXX XXXX said that I owed to close the account and pay the balance in full. This was done in XXXX 2015. Furthermore, around XXXX 2015, I received a 'refund ' from XXXX XXXX of {$44.00}. 
Again, I need validation of this debt from ERC. What was the original amount of the debt? What was the original account number and date of original debt? MORE IMPORTANTLY, please tell me why you believe that you have a right to collect this debt? Please provide verification and " documentation '' that there is a valid basis for claiming that I am required to pay the debt to this current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Also, a copy of the last billing statement from the original creditor is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My discover it credit card account was closed by Discover yesterday without any notice. I realize this case by receiving email from XXXX saying my payment is not successful. I never missed XXXX payment and did not do anything improperly. I was wondering why this is happening and called the service center. The only reason I learnt is " BUSINESS REASON ''. Not sure if this will affect my credit score. After searching on XXXX, I realize this is not only for me. Many XXXX card holders experienced the same situation. Hope this is not a discrimination thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-20
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX cell phones were ordered on my credit card by someone other than myself the phones were to be sent to XXXX, XXXX XXXX Phone XXXX He is connected to a group of people that scams the elderly out money .the number for this group is XXXXperson affiliated with this group is XXXX, another address XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, Another phone number XXXX, XXXX XXXX XXXX. i do not know these people personally but i was scammed out of XXXX dollars by them if you need more information please get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the sister and filing the complaint against the mortgage company for lack of corporation in filing for a loan modification for my sister. I have legal attorney and have provied at least XXXX applications for the loan modification. Every time I try to talk with the agent who is handling my sisters loan mod. I can not get to talk with them. I am referred and connected to another representative who just repeats the same information over and over again. I have submitted over XXXX inches of documents to the mortgage company, XXXX letters of hardship, income, tax records, bills, and profit & loss statements to the mortgage company. I feel for sure they are stalling and not providing information or help with this loan modification so that they XXXX foreclose on my sister 's house. We as her family can not address any of her other credit issues until we are able to address help with her mortgage. Her XXXX co-pays and doctors use up all of her money just to get medical help. We have tried to re-fi and paid a company Home Eguity {$500.00} which came to no end. They just used our money. The house did not appraise to help. I have also contacted NACA for help and they have supplied papers and phone calls to the mortgager with no help at the present. Together XXXX of us have been working with the mortgager for 3 months and supplied everything we were requested and still no loan modification. Neither the family nor my sister can afford an attorney. We have been trying to straighten out a very bad financial situation and will continue, we just need some corporation from the mortgager before we can address any other issue. My sister is on XXXX and can not speak well or deal well with financial matters at this time, she has just come from XXXX for most of her career. We are told by the mortgager every time we submit documents that they request, even if it is the same document they already have, we must wait 5 days before we know if they will take the information and do the modification or ask for more information. The same information has been submitted over and over again. By me and NACA and still now they say we must wait until XXXX XXXX, 2015. In the mean time they have turned my sister over to their collection department. No she may loose her home before we get a chance to settle any financial matters. She gets upset every time some XXXX calls and I am trying my very best to help prevent her home from foreclosure. So has NACA, but neither of us is having any luck in communicating with the mortgager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I sent Equifax a 2nd written request dispute letter on XX/XX/XXXX regarding the unverified XXXX XXXX XXXX collection account on my credit report. 

This letter was sent via Certified Mail with physical Return Receipt, so I was able to verify that Equifax received the letter on XX/XX/XXXX. However, after some weeks and numerous phone calls I quickly realized they had no idea where my letter was. They continued to send me responses from my 1st written request via mail or online but those old disputes were already responded too and resolved promptly. 

Below are notes with the two Equifax reps I spoke with regarding this issue : -- -- -- - XXXX Employee ID # XXXX XX/XX/XXXX XXXX Employee ID # XXXX XX/XX/XXXX Spoke with ( Dispute supervisor ) who refused to give her last name I was told an internal complaint would be filed with the mail dept for the delay in my documents being uploaded to start the dispute status ( they have no contact with this department ) Their dispute process operates outside of the FCRA and is illegal. They don't request for documents validating the debt to the consumer in question and solely rely on the collection company saying " yes or no '' to the debt belonging to the consumer as fact. 

-- -- -- Not only did both of these reps admit that Equifax lost my letter with private personal information contained inside, they put no efforts into my dispute and would rather let it drop and hope I wouldn't pursue it anymore versus owning up to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I paid off a debt I had to a college I attended, At the same time, I paid it off, I received a statement from a collection agency named Enterprise Recover Systems, XXXX, Illinois, that there was a current amount due. I explained that I paid it directly to the school and might have missed their correspondence, since I had just moved. They confirmed with the school and told me I was paid in full. I recently checked my credit report and notice I have them listed on my report and I called to discuss the matter. They claim that there is still a balance that is unpaid, I had asked them why did n't they send me any correspondence about a balance due. Instead they reported it and now it it listed on my credit report. She told me they do n't operate that way. How is it that I was professional enough to call them and address their XXXX letter and they are not professional enough to call me or send me a letter regarding a past due amount? Of which I already paid?

Company response to consumer: Closed with explanation