BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : US Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Case Number XXXX ( Archived ) CFPB Case Number XXXX ( Disputed herein ) Illegal US Bank Business Practices Account numbers XXXX, XXXX, XXXX, XXXX To Whom it May Concern : I am writing to dispute the US Bank ( " the Bank '' ) response letter dated XX/XX/XXXX. On XX/XX/XXXX the Bank closed my credit card accounts and illegally seized my points without justification in violation of state law. 

1. The proposed settlement of {$480.00} represents a mere 50 % of the value of the seized Flexpoints, which are worth XXXX cents per point when redeemed for travel. 

2. The Bank violated XXXX Civil Code 1747.85 by closing the referenced accounts without prior notification. While the law does provide exceptions if the " cardholder is unable or unwilling to repay obligations, '' there is no evidence to support that claim. In fact, I have supporting documents which expressly contradict this claim and demonstrate the creditworthiness of the consumer at the time of closure. XXXX Civil Code supersedes the language found in the cardholder adhesion contract. Thus, the unilateral closure of accounts and seizure of points is without justification. 

I respectfully demand the reinstatement of all credit card accounts and the associated reward points. I intend to assert my rights until all accounts are restored or a more equitable settlement is offered. 

Thank you for your continued cooperation in this matter. 


Sincerely, 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 monetary relief
Consumer complaint received 2016-04-08
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: AES/PHEAA
State: VA
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 signed up for direct debit for my student loans from my XXXX in order to reduce the interest by .25 % from the original 6.8 %. Today I looked on my account to see that Fedloan did not take my funds on XX/XX/XXXX ( though my bank was open ) because it was a weekend and instead bumped the debit to XX/XX/XXXX. The interest for XX/XX/XXXX and XX/XX/XXXX was still accruing on the {$71000.00} loan. Never once was I delinquent in the past 22 years of paying loans for XXXX with XXXX XXXX from XXXX College. There is now a delinquent notice on my account that states " If you did not make a payment yet, you can choose to pay online right now. You can also sign up for Direct Debit and never be late with a payment again. '' I called fedloan and the woman on the phone called me XXXX XXXX XXXX. That is close to my first and last name but it is not my name as I am a female so I gave up on trying to get them to understand that interest accruing on dates when a payment was supposed to have been taken by them is not fair. I want out from underneath this student loan company so badly, but feel I have no choice other than to keep shoveling out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXXXXXX consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have made many advance payments on this loan, but they were incorrectly allocated. A Letter was sent to verify the accuracy of this debt but has not been responded to. I am requesting a full accounting of all payments made, copies of checks forward and back. The documents requested and answers to questions are needed to ensure the following. 

~ That our loan has properly been credited, debited, adjusted amortized and charged correctly, that interest and principle have been properly calculated and applied to my loan, that my principle balance has been properly calculated and accounted for and that no charges, fees or expenses that I am not contractually bound to pay have been charged on my account. 

In order to validate this debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me at the address listed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: CA
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:
Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XXXX/XXXX/16, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to CCS Collections. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Some accounts in department of collection reflect amount that I have to pay for. 
AD ASTRA RECOVERY SERV Reflecting {$240.00} of debit ..date opened XX/XX/XXXX, XXXX should close and delete this account. 
XXXX XXXX XXXX reflecting {$600.00} of debit ..date opened XX/XX/XXXX, XXXXyou should close and delete this account. 
THE XXXX XXXX reflecting {$690.00} of debit ..date opened XXXXyou should close and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: NCC Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
According to my XXXX and XXXX credit file, NCC started reporting this non-validated debt in XXXX. I have sent multiple letters requesting that they either validate the debt or remove these entries from my credit file. They have done either. This debt remains on XXXX the aforementioned agencies. Some of these letters were notarized. The dates these were recently mailed were on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and as recently as XXXX XXXX, XXXX. The item was removed from my XXXX report dated XXXX XXXX, XXXX. I have never been notified of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Diversified Consultants, Inc.
State: AZ
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:
My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender iMortgage provided false information on my FHA loan ( 5 year ARM ) which was closed last XXXX XXXX. I was told that I would get the balance of the upfront PMI refunded when I do a refi. The upfront PMI was {$7600.00} for 3 years and I would get the remaining balance refunded depending on when the refi is done. That did not happen. 

I was in the process of applying for the refi with a different lender in XXXX this year ( XXXX ) when I decided to check again with iMortgage and they confirmed that I would get the refund. I also asked them if i had to refi into another FHA loan in order to get the refund and they said I did not, it was not a requirement. I of course trusted their knowledge of the loan rules, regulations, programs and whatnot, so I went with a 30 year fixed conventional. Since iMortgage assured me of the upfront PMI refund from HUD, which would have been a little over $ XXXX, I decided to buy down points on the refi. The buy down costed me about $ XXXX. 

After months of not seeing anything from HUD, I asked iMortgage again and they assured me that it was coming soon. It was not until this XXXX XXXX that I XXXX around and found the contact number for HUD and called them. HUD informed me that the refund program had ended on XXXX XXXX, XXXX, and in order to get a refund after that date, it is required that the refi is with another FHA loan. I then emailed iMortgage on XXXX XXXX asking for explanation and what options I may have, but have not received a response since. 

If I had known the upfront PMI is not refundable I would have gone with other options and for sure would have not bought down points on the refi, or even look into refinancing another FHA loan. We have been saving every penny for this house and had budgeted with the refund in mind, so now we are out $ XXXX really hurts. I have all the email conversations with iMortgage regarding the upfront PMI refund saved and ready to provide as proof. 

Please let us know what options we have. Your assistance is greatly appreciated. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a prepaid phone in   XXXX  . Through  XXXX   XXXX   XXXX . It was {$60.00}.      XXXX  claimed when I discontinued the service that I still owed them {$60.00}. Which under a prepaid plan is impossible because it is pay in advanc e. Service ca n't be p rovided without payment.     I make a significant annual salary, but I refused to pay this because I felt it was a large company abusing their power and that they 'd normally succeed because no one would know how to defend themselves vs a big company.     They put me in collections and just this year almost 4 years after the issue. my credit rating was hit for  XXXX  points.     I spent the last 8 years of my life never missing a payment from any creditor and paid several  XXXX   XXXX  in bills only to get an  XXXX  credit rating ruined by  XXXX  over a {$60.00} bill.     I think that is ridiculous that companies can have this level of control in a dispute.

Company response to consumer: Closed with explanation