BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-04
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I have a credit card with US Bank, a XXXX XXXX Personal Visa Card. This account was opened in XX/XX/XXXX about XXXX months ago. 
They just sent a communication they are cutting a core benefit of this card on XX/XX/XXXX, A XXXX hotel night will no longer be offered when booking reward stays of XXXX nights or more. This was the primary reason I opened my account. 

As part of the Card Act / CFPB rules, I thought issuers were not allowed to XXXX cut card benefits in the first year of cardmembership, and XXXX charge an annual fee for a benefit ( Which I paid at opening ) and then remove that benefit in the same year the annual fee is paid. 

I feel I was seriously deceived and misled and deserve a refund of my annual fee at the minimum, and additional points/compensation for a credit pull under false pretenses. 

Thanks for the help, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I purchased my condo with a US Bank loan back in XX/XX/XXXX. I refinanced my loan through them earlier this yr. because my current financial situation is n't very good. The bank performed VERY poorly & caused me PLENTY of distress. 
I spoke with Mortgage Loan Processor XXXX XXXX the week of XX/XX/XXXX & our conversation was recorded by US Bank. She told me my line of credit would need to be frozen to go through with the loan so I said OK & asked when will the line be frozen, she said after the loan is completed. 
I attempted to draw on the line XX/XX/XXXX ( via check # XXXX ) & it did n't go through because the line had already been frozen. I discovered this on Mon., XXXX XXXX & my Refi. loan HAD NOT been completed yet. As I needed the $ $ to cover withdraws from my checking account I immediately envisioned checks not clearing, insufficient funds to cover my mortgage, my refi. not going through & my credit rating going down the toilet. ( I 've been very careful & prudent for many yrs. to keep my FICO score very high. ) As of today, XXXX XXXX, the bank has chosen to largely be silent about my troubles even though they know they 're guilty. 
Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: RI
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-08-22
Company: U.S. BANCORP
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
US Bank falsely claimed to the CFPB and me that US Bank recorded XXXX calls, prior to XXXX XXXX, XXXX in which I allegedly participated. 
US Bank falsely claimed that " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' in theirs to the CFPB and me dated XXXX 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 2020-12-23
Company: A-1 Premium Acceptance, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had called King of Kash and made a payment yesterday XX/XX/2020 around XXXX XXXX and around XXXX XXXX that same company tried to take more funds out even after I had paid and told me that my bank declined the payment although the money isn't back in my account and my bank is saying that the funds were taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Delbert Services
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is almost a 3 year old problem. I was told it was n't a legal loan, and they ca n't collect it, nor do I remember it. They have threatened to take legal action, several times. Called today 6 times, then I answer a local number and told they receive page work to have me arrest by other party was given 24 hours, that XXXX felony charges was to be filed on me tomorrow. This was XXXX mins after they email my sister XXXX XXXX, I said no during the call last week, he said he want to talk to my sister and I said no, he said he was going to call. Called local DA and was told to contact you. 1. I asked for some proof 3 years ago. Repeated calls, send email to my sister with all info and she was asked to sign it. I was yell at not allow to say XXXX words. Call on XX/XX/XXXX or XX/XX/XXXX told they had a SS ATM card demanded I give it to them. There is no way legally they could know that. Told them I did n't and only a saving account that they could n't debt. I asked for more info because I was told it was n't a legal loan in the state of OK. I do n't remember it. The call got worse they demanded I get a pre-play card. I informed them I was n't because I did n't have money to be put on it. They asked if I had one I said yes but NO MONEY WAS ON IT. I was threaten again I told him I could give him one but no money was on it. They caused XXXX dollars worth of damage to my bank account 3 years causing return fees, bills not paid and ACH run daily racking up fees on me. I 'm told those are hot checks. I 'm on XXXX and they ca n't garnish it, which did cause a garnish of a federal bill because they were cleaning out my account. I 'm still trying to dig myself out. I was asked if I owned a house, I said no, I do not own a house. His name is XXXX. 2 years ago after I asked for proof never heard another word until last week.

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 2016-08-22
Company: U.S. BANCORP
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My credit score according to XXXX, is XXXX. I applied for a pre-approval to US Bank on XX/XX/XXXX. They obtained my credit report on XX/XX/XXXX. On XX/XX/XXXX, I contacted them to inquire as to the status. 

They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. 

They were aware of the XXXX value of the auto I was purchasing, the XXXX I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or obtain any further documentation regarding the loan than I had disclosed to USBank. It 's their right to refuse my loan based on logistical parameters, however, this was blatant discrimination. 

My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. 

My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on XX/XX/XXXX, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. 
I have proof of this VIA my XXXX Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. 

I have uploaded a screen shot of the proof of obtainment from USbank on XX/XX/XXXX ( valid ) and XX/XX/XXXX ( Malicious and illegal ). 

Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. 

I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer.

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 2020-12-23
Company: CAINE & WEINER COMPANY, INC.
State: OH
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:
On XXXX XXXX, 2020, CAINE & WEINER add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you

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 2015-07-14
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : U.S. Bank Home Mortgage Account : XXXX ( XXXX XXXX ) On XXXX XXXX, 2015, we received a call from U.S. Bank stating that our XXXX mortgage payment had not been received. 
We checked our records and noted that we had paid the mortgage on XXXX XXXX, 2015, ahead of schedule, through a third party processor, XXXX, XXXX. 
Upon further inquiry, including talking to a supervisor, U.S. Bank continued to rudely and vehemently insist that payment on the mortgage account had not been received yet. Therefore, we went online and repaid our mortgage for XXXX, including payment of a {$5.00} fee for paying our mortgage " late. " Upon inquiring with our bank and third party payment processor this afternoon, we found evidence that U.S. Bank had not only received the entire payment, but also cashed the check made out by XXXX. We faxed this evidence to U.S. Bank XXXX and also followed up with a phone call where the agent was equally unhelpful and told us they could not find the payment, and could not reverse my {$5.00} fee. 
Either U.S. bank has yet to apply the payment or applied it incorrectly, but there is XXXX doubt the payment was received by them and now we have been defrauded by the bank for {$1600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18
Company: U.S. BANCORP
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
Someone hacked into my XXXX account and placed a {$27.00} order for a wallet from a 3rd party seller and had it shipped to their address in XXXX ( I live in Kentucky ). I called XXXX and they said it was too late to cancel the order and that they were sorry. They told me to dispute the charge with my credit card company. I removed my credit card info which was saved in their system without my knowledge and I changed my password and deleted the new shipping address that the hacker added to my account. 

I disputed the fraudulent charge with U.S. Bank and told them I did not place the order, did not authorize the charge, and did not receive the merchandise. They made a provisional credit for {$27.00} to my account. XXXX rebuts with documentation showing the wallet order and the name and address where the wallet was shipped to along with USPS tracking information showing delivery to that address. 

I received a letter from U.S. Bank with copies of XXXX 's rebuttal. The bank tells me the charges appear to be correct as billed. They reversed the {$27.00} back to my account. XXXX failed to give the IP address of the person that placed the order. Why? 

Why am I being forced to pay for a wallet for a crook in XXXX which clearly is fruad? I do not have a California address and I have never lived in or visited XXXX. I do not have friends in XXXX. Why is U.S. Bank and XXXX not protecting me against this fraudulent activity? 

BTW, I am a Verified By XXXX member. Why did XXXX fail to protect my account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently transferred from XXXX to US BANK. I have sent US BANK two payments. The second payment was reversed from my account and sent to XXXX. The Cashiers check specifically stated where that money should be applied and US BANK took it upon themselves to take my XX/XX/XXXX payment and send it to the previous lender without even informing me causing my account to be past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Per us bank response letter dated XXXX XXXX, 2015 mortgage account # XXXX The OCC consent order an enforcement action of XXXX XXXX, 2011 was issued under scope and discovery that said was a GHOST MORTGAGE LOAN ; by-law, per the XXXX XXXX county recorder office. It was discovered that there was no certified and filed re-estate document as a DEED OF TRUST, as assigning us bank NA the beneficiary and their assigned Trustee, and I, XXXX XXXX the Borrower. Because I never had an escrow ( loan ) close with us bank NA on my real estate property, as where a title company could have requested an order ( escrow ) number to be recorded and mailed to us bank a legal certified and filed DEED OF TRUST, per an original escrow file with said title company as holding the real estate loan packet signed and dated by me ( terms and condition of payments, Interest % rate etc. ) also us bank stated ; A foreclosure sale was held on XXXX XXXX, 2011 ( False statement ) The OCC investigation ; no legal record of the alleged Trustee sale certified and filed with the appropriate court nor county recorder 's office. under the OCC jurisdictional review, the check of {$34000.00} was in part reimbursement as in ERROR us bank collected monthly mortgage notes payments from me under this ghost mortgage loan account. per these new issues that the bank raised under this mortgage account number, us bank need to provide the title company that closed holding the original escrow closing file with a original real estate loan packet that is signed and dated by me, Giving the bank legal authority of security Interest in my real estate property, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-07-23
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am paying my daughter 's student loans to discover because I co-signed with her. 
I have repeatedly asked for a monthly statement and do not receive one. I guess at the amount due each month. Also, when my daughter went to their website to to see if a payment had been received, it showed past due. She called and was finally connected to a real person and was told the payment had not been received. This was XXXX/XXXX/15. The check cleared my account the following XXXX XXXX/XXXX/15. My daughter checked the website again and it said the check had been received on XXXX/XXXX/15. When I looked at the back of the check, it cleared Discover 's bank on XXXX/XXXX/15. I just want a monthly statement sent each month. Also, I guess they sold one of my daughter 's student loans to XXXX XXXX. XXXX XXXX sends a statement each month. My daughter 's school was XXXX ( XXXX In XXXX ). She graduated and has not found a job with compensation sufficient to pay the loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Other

Complaint:
i have a credit card with Fidelity. I had a purchase that I disputed back in XXXX 2016 to XXXX XXXX XXXX - XXXX XXXX. Fidelity moved the credit cards to Fidelity Rewards VISA. Since the disupute started with XXXX XXXX I faxed all requested documentation to XXXX XXXX XXXX. FIDELITY REWARD VISA stated they never received my dispute from XXXX XXXX XXXX. So, I faxed all documentation to them in XX/XX/XXXX. I called in XX/XX/XXXX and they said they still had not received my fax. So, I faxed it to FIDELITY REWARDS VISA AGAIN!!! So, at this point i have faxed all requested documentation to this company. Today I noticed they reversed my disputed amount of {$1100.00}. I called and asked to speak with a supervisor in the disuputes department. I spoke with XXXX employee id XXXX. She refused to give me her last name. I have faxed this information 3 times. Please assist me in this disupute.

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