BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-04
Company: ZIONS BANCORPORATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We had a Zions First National Bank credit card, opened in XX/XX/XXXX. We made all payments on time, never late. We stopped using the card but kept the card open. 
In XX/XX/XXXX we moved from XXXX to XXXX. 
The card has an annual fee which was always paid on time when billed. Because of the move we did not receive the bill and the issuer added late charges and fees to the annual fee. They never called either me or my husband to let us know we had a balance and to collect, we are both over XXXX and this should have been a factor. 
When I finally received the bill 3 months later forwarded from my old address I called Zions. I paid the entire amount including fees and late charges ( {$25.00} annual fee with late charges totaled {$75.00} ) and they said they would pull the negative credit reporting. I also closed the account due to their obvious lack of valuing us as a customer and lack of customer service. 
The issue today is that the negative 30 day late is still on our credit reports. They reported it as closed by credit grantor which is inaccurate because we requested it be closed, It is the only negative item but it affects our overall credit score. 
I 've called Zions bank XXXX times and they request that I send a letter explaining what happened each time. I do n't know what they do with the letters because they should have them in triplicate at this point. 
Due to our ages and previous payment history the fact they never called to find out why we had n't paid an annual fee but instead adding late charges to it, borders on elder abuse, and I feel it should be reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX and I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. The account has been charge-off and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by XXXX. In this case my debt should be removed from my credit report and out of the office of XXXX because they do not have the right to collect in the State of Texas. Because accordingly, to the State of Texas no debt collector can hire another debt collector to collect on their behalf. I called the Secretary of State Texas debt collections division and asked as this type of collecting is legal and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: AC AutoPay LLC, Denver, CO Branch
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I want to file a complain, against AC Auto pay. I least a vehicle with this company in the past.. 
Back in XX/XX/XXXX I decided to terminated my lease and return the vehicle. At the time I only owed {$7000.00} on the vehicle. This lease was a option to buy at the end of the lease. And so every month when I make a payment. Money was put a side to buy the vehicle. At the time when I return the vehicle I have {$3000.00} save to but this vehicle. AC Auto pay sell this vehicle and put on my credit report that I owed {$5400.00} dollars. Which is wrong. 
Today I call and trying to settle this account. The representative and I came to a settlement of {$3500.00}. We divided it up into XXXX payment XXXX payment on XX/XX/XXXX XXXX payment on XX/XX/XXXX and the XXXX payment on XX/XX/XXXX I tell the representative that I need something in writing that we settle fro this amount plus I will not make any payment before this letter. She said If I do n't give her my checking account are credit cared this offer is null and void and so she hang-up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Northeast Collection Bureau
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone named XXXX XXXX calling from XXXX has called me and family members. This person is very aggressive in tone. He has left threatening messages. I have no idea why this person is calling me, and more importantly he and this company are not following the Fair Debt Collection Practices Act. The first couple of times he called he did not leave identifiable company information. He calls after hours, and he calls family members, and friends. I have tried repeatedly to contact this individual/company, and I only reach an unidentifiable voice mail box. The number they call from and leave for me to call back is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I enrolled myself in the U.S. Bank S.T.A.R.T program on XX/XX/XXXX and met goals XXXX and XXXX by XX/XX/XXXX. They sent out a XXXX $ reward for meeting reward # 1 in a timely manner but upon meeting goal # 2 on XX/XX/XXXX they have not sent out the XXXX $ reward. 

As per the terms and conditions listed in the S.T.A.R.T program " : Reward ( s ) will be sent to the primary savings accountholder within 30 days of goal verification. " It says on my account and via confirmation over the phone and over email that I have indeed met the requirements. 
To quote an email " Thank you for writing to us about not receiving your S.T.A.R.T. Rewards Card. Goal XXXX was met on XX/XX/XXXX ; however, your mailing address was updated on XX/XX/XXXX. Please contact Fidelity Information Services, our S.T.A.R.T. Rewards VISA Card vendor, at XXXX for assistance. Once the dialed, press 1 for English and your card number will be requested. Please stay on the line for additional prompts, and once prompted, select 1 to report a lost or stolen card. For your convenience, specialists are available 24 hours a day, 7 days a week. 


Sincerely, XXXX XXXX. 
U.S. Bank Email Operations Department '' I have contacted Fidelity information services twice on my own and twice with a US Bank representative and have confirmed that no card has been mailed out to my current or former address. I have made multiple phone calls starting in XX/XX/XXXX/XX/XX/XXXX inquiring on where the rewards card was. US Bank confirmed that I have met the terms multiple times but will not issue me the rewards card. On one occasion the representative claimed I did not meet the requirements even though I have multiple confirmations that I did as well as lied to me saying there were no managers to talk to and I would have to leave a message and they would call me back. Upon hanging up and redialing I got a representative that again confirmed that I have met the goals and after talking to a manager confirmed that I do qualify but they need to escalate it internally to determine what to do. 

I have been run around for over the past month and I 'm tired of being bounced around between US bank and their visa rewards card issuer. The representatives have been mostly nice with one notable exception but have been unable to help me at all. This should of been an automatic process and US Bank is not holding up to their end of the program terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including TransUnion ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed TransUnion had re-reported XXXX of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, TransUnion has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

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 2016-01-19
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. 
US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12
Company: U.S. BANCORP
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
USBank has a pilot project for small dollar loans from XXXX to XXXX dollars, an installment plan to pay it back in XXXX payments. 
On XXXX/XXXX/17 at XXXX XXXX, I phoned the number on the email that was sent to me and gave all information needed. I was asked my residency and told them i am on a XXXX visa in the united states. The agent checked with the underwriter and the underwriter gave approval for a {$1000.00} loan. I was told the money would be in my account within 48 hours. I withdrew the {$1000.00} from my account at XXXX XXXX on XXXX/XXXX/17 ( after the 48 hours had passed ). The money was not in the account. Ii have been charged overdraft fees since XXXX/XXXX/17. I phoned the same division on Monday XXXX/XXXX/17 and was told the quality control at the bank had put a hold on the loan, even after underwriter approval. The agent told me she would look into it and contact me within 1 hour. I did n't received a call back. I phoned again XXXX/XXXX/17 and was told that no response back from the quality control division. I phoned again on XXXX/XXXX/17 and they told me that the loan was denied ( this would be 1 week after it was initially approved ). I have been charged overdraft fees and they bank would not credit them back to me. Until my last call was made, i had received no calls from the bank explaining the loan had been denied.

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 2015-05-01
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank the issuer of the XXXX XXXX Visa Signature Personal and Small Business credit cards charges an annual fee for each on of their cards. I have XXXX of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX hotel you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid XXXX annual fees earlier this year that I would receive the XXXX night XXXX, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received three phone calls today from a debt collection agency, but I do not nor have I ever owed them any money. Since I got my new cell phone ( XXXX XXXX ), I have received many phone calls from debt collectors and scams. I tried changing the number once already but the debt collectors and scams keeps calling. I have never had such a bad experience with a cell phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Consumer Financial Protection Bureau Case # XXXX This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. 
Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making my payments on my federal student loans on time every month and do n't see any difference in the amount I owe. I even pay more than my required monthly amount when I can afford it and the amount still only goes down maybe {$50.00}. How am I ever supposed to pay them off and still be able to live and pay my other bills. I had XXXX private loans taken out for school as well and they are all paid off with paying my monthly payments and a little more when I can afford it. My school was XXXX College, XXXX Fl, which is now a XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
There are numerous mistakes on my credit report. I have attached a narrative to explain the details. The bureaus want me to sign up and pay for them to make corrections.

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2008, Wells Fargo forced us to foreclose on our home located in XXXX, CA. We did everything we could at that time to get them to help us but we were not offered any assistance at all. At one point, a representative told us that since we were behind a payment the best thing to do would be just to move out of the house and not risk the police kicking us out! We begged them to work with us to allow us some sort of modification but they told us there was no alternative to paying the full balance of past due and currently due amounts owed. I called Wells Fargo every day for a period of 2 weeks to try to get someone that may handle things differently but each representative said the same thing to us. There is no option other than short sale or foreclosure. We ended up moving out and the house was auctioned in a foreclosure sale.

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 2017-02-15
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
RMP SERVICES LLC has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. XXXX XXXX XXXX ( a ). RMP SERVICES LLC has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting XXXX XXXX to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. XXXX XXXX XXXX ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

RMP SERVICES LLC has no proof of claim with verified, validated authenticated documentation. RMP SERVICES LLC has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ XXXX XXXX XXXX ] and other consumer protection laws. 

RMP SERVICES LLC has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: STERLING JEWELERS, INC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation