BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank has changed the terms applicable to it 's XXXX XXXX credit card, after the payment of the annual fee. The application specifically states that the holder receive a XXXX night 's stay free for each award night booked, and the compensation for such is the payment of the annual fee. 
Now, the Bank purports it can adjust the terms of it 's contractual obligation after the annual fee had been paid. 
Reference is made to the following advertisement for the credit card which clearly states the benefits are in return for payment of the {$75.00} fee. The only proper resolution is to continue to provide the benefits until the card anniversary. A refund of the fee is unacceptable as the contractual obligation of the Cardholder has been met. CFPB should require specific performance, as the value of the XXXX free night far exceeds the annual fee. The Bank does not have the protection of XXXX v. XXXX as it is not an airline and can not make at-will changes to the program after payment of the annual fee. 
XXXX referral=commissionjunction

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to request a justification for US Bank charging {$5.00} for me to make my mortgage payments online. Is it somehow more expensive for you to manage online payments than to process physical checks? I would think it is actually cheaper. I pay all of my bills online, and this is the only one that charges me for that " special privilege '' in 2016. I feel this is an unfair business practice and can not be justified with a business reason.

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 2016-12-27
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Other

Complaint:
XXXX/Elan Services/Bank corp or whatever name they are using never once notified me that my credit card in XXXX, XXXX and XXXX had charges from XXXX, Florida on it to see if I made them or someone else was using the card.

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 2015-05-06
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank changed my billing address for my mortgage without notice and without my consent to an address that is NOT and never has been my address. Consequently I received no billings or statements of delinquency until I discovered the error and pointed it out to US Bank in XXXX 2015 while doing my taxes. I want all interest and penalties assessed as a result of their error refunded. Please note the property address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( an address which does NOT receive mail ). The correct mailing address is and always has been XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. 
The incorrect address the bank started using for me in XXXX was XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2017, an individual other than me - and XXXX without the authority to enact changes on my account - was able to walk into a local Chase bank branch and close an account that only I am authorized on, which the personal banker with whom that individual spoke confirmed to the credit card department that I was requesting closure of the account in question. 

I was made aware of the situation the very next day when, after logging into the account online, was notified the account had been closed without my knowledge. I have since requested restitution for this breach of the agreement that I signed with Chase as well as the breach in security and violation of federal regulations concerning Customer Identification Procedures and XXXX provisions. Apart from the immediate impact, I am very concerned about the lasting effects on my personal credit and security. 

To date, Chase bank 's response was that it is an internal problem and they would be happy to reopen the account. This is unacceptable due to the concerns outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received an email from a Citibank branded Goodyear credit card saying I owe them an outstanding balance. I believe that is a fraud email since I do not have any Goodyear/Citibank branded credit card. See email paste below. 


CitiEmail XXXX EMAIL XXXX Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXXAlerting Service Credit Card - Minimum Payment Due AlertGoodyear Credit Account Card XXXX Balance : $ XXXX Due : $ XXXX Due Date : XXXXLast Payment Amount : $ XXXX a payment was already sent, please disregard this message. To make a payment, visit XXXX and use our Online Bill Payment service. It 's fast and easy. 

You may also use that address to modify your alerts. 

Please understand that we can not respond to individual messages through this email address. It is not secure and should not be used for credit card account related questions. 

This message is for informational purposes only. 

ABOUT THIS MESSAGEPlease do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
THIS REQUEST IS FOR U.S BANK N/A ( XXXX XXXX XXXX ) ONLY AND NOT FOR XXXX OR ANY OTHER COMPANY AFFILIATED WITH OUR NOTE, DEED OF TRUST OR GSR LOAN TRUST XXXX! 
FIRST ; WE REQUEST TO KNOW WHAT WAS THE DATE OUR NOTE/DEED OF TRUST WAS TRANSFERRED TO U.S BANK N/A, AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDER IN XXXX XXXX? SECOND ; WE REQUEST DOCUMENTATION ON THE INVESTOR WHO U.S BANK N/A PROVIDED THE CERTIFICATE TOO AT THE TIME OF TRANSFER? 
THIRD ; SINCE XXXX, WHICH CERTIFICATE HOLDER HAS U.S BANK N/A BEEN SENDING FUNDS TO FOR OUR PROPERTY/ASSET, HOW MUCH AND DATES PAYMENTS WERE MADE TO THE CERTIFICATE HOLDER?

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
Consumer complaint received 2016-12-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My lender, US Bank, has done everything possible to put roadblocks on the way to avoid providing any help for my financial situation. Each time I have filed for paperwork for modification, they have made mistakes and wrongfully calculated numbers or completely avoid communicating with me in order to waste time purposefully. As a result I am way behind on my mortgage and risk losing my home. Most recent application for modification was denied because they chose to calculate my income completely wrong. I have done everything possible and given them correct information yet they have constantly made errors and brought major point where modification programs are going to be expiring at the end of the month in few days and I will have no help from them or anybody else. According to them my monthly income is {$5400.00}. In fact my monthly income is {$7300.00}. If you start with wrong income, result would be wrong. I have tried everything possible to correct this error and have not gotten anywhere. I really need your help or I 'm going to lose my home and become homeless. Which I suspect is their intention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Other fee

Complaint:
My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, US Bank has charged me 7 Overdraft fees that are due to a bank error. I had a pending transaction that dropped off and never cleared my account. During the time that the charge was pending and now, US Bank has charged me seven overdraft fees due to a pending charge that NEVER hit my account. This is a violation of my terms and conditions along with the funds availably act. US Bank can NOT charge me a fee for being " overdrawn '' if the charge never hit my account. After speaking with the rep, she told me I would need to call back later since all the managers were in a meeting ... She then told me if I wanted to, i could go to my branch, and they could look at my account. 

She basically just tried to get me off the phone and have me go to my branch ( which is closed .. hence why I am on the phone ) if I wanted something to be resolved. She insisted that no one could help me fix something that they did in error. 

I would like for the fees to be waived. I will be closing this 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 2016-04-23
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
assessed automated fee without sufficient disclosure. Can not talk to customer rep without incurring {$1.00} fee.

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 2016-08-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid for my credit report at XXXX today and my FICO scores are the following : XXXX : XXXX ; XXXX : XXXX ; and Experian : XXXX, but there are " revolving accounts '' that have been closed for years in some cases and should be removed. I was able to file online " disputes '' with XXXX and XXXX with ease and with no problems. But the online link for Experian from both XXXX and Experian 's own website sends the user in a circle and does not allow me to file my dispute -- even with all of my personal information from my credit report that Experian currently has on file. I also tried Experian 's XXXX # XXXX with again being sent in a circle and eventually hung up on by the automated system.

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 2017-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The federal Fair Credit Reporting Act ( the " FCRA '' ) section 604 outlines permissible purposes of consumer reports. On that outline it is very specific as to what qualifies. Go threw ALL of it and you will notice that it is NOT APPLICABLE to those Hard inquiries. These inquires are not from Collection agencies, Employers, Government Licensing, Insurance companies, National security, or from creditor that I have existing accounts at the time of the inquiries, ect .... I have attached all of Section 604 as proof. Continuing to not follow CRA guidelines after these complaints have been made is willful noncompliance which is outlined Section 616 and 617 and there are legal consequences as outlined. And those legal consequences will be followed threw if willful noncompliance continues. In addition if I must I will send all of these transcripts to Senator XXXX office.

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 2015-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This Credit Bureau complaint is in regards to whomever was responsible in the " pair '' of CFPB complaints on file at this time pertaining to.. 

CFPB Complaint # XXXX, and alsoCFPB Complaint # XXXX. 

I do not have an awareness as to who or whom is at fault regarding the errors contained within the other XXXX complaints mentioned/or referenced above pertaining to/or involving " XXXX '' AND " XXXX '' PLEASE HELP!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to 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 2016-09-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian will not let me dispute my credit report. Just recently there is a company listed on my credit report went out of business because they were ripping of military soldiers. I was one of those military soldiers. The company in question is XXXX XXXX. I just want to be able to dispute this information.

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 2016-09-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I purchased a vehicle and the dealership pulled from XXXX other finance companies. The credit inquiries were being counted as individual ( XXXX ) vs as only XXXX for car shopping. This occurred within a 12 day period. I disputed the information as the inquiries show individually causing an unfavorable credit report. Experian has done nothing to correct this matter despite my disputes. I also attached a few letters from creditors that sent requests to remove inquiries from my report to Experian and only XXXX has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to XXXX and Experian a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,

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