BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my loan with US Bank since XXXX. They refinanced my loan from a private lender but never issued a satisfaction of mortgage. Once I hear they had not disbursed funds for payoff I stop paying the loan and attempt to modify the loan since the value went from {$550000.00} in XXXX to {$290000.00} in XXXX.US Banks has ignore my requests for proof of disbursement of funds to the previous lender. I then attempted to short sale the property and US Bank would not approve short sale due to lack of satisfaction of mortgage. Their reason for not modifying loan since XXXX is " lack of documents ''. I have hired an attorney and behold she is having the same issues. They do not properly log in receipt of documents and are missing documents vital to my loan. They have handled this loan very poorly and it is my belief that they have been fraudulent in their reason for not modifying my loan. US Bank is NOW trying to force a foreclosure and evict me from my home where I have lived for 10 years. My daughter and her son lives with me and we will be homeless. 
When Hurricane XXXX did significant damages to my home, my insurance issued checks over {$50000.00} and US Bank has kept checks and has not disbursed any funds to me even though I paid out of pocket for emergency repairs totaling over {$20000.00}. They are using poor business practices when handling large sums of consumers money and their willingness to modify mortgages loans is unacceptable, especially when they are the root of the problems. They received XXXX of dollars from government bailouts and they have not passed those along to help suffering consumers. I would like have my complete file reviewed to inspect for fraud and improper handling of business documents and funds by US Bank. Additionally they have received my funds from insurance company for emergency repairs for Hurricane XXXX. They have yet to disburse any funds to me even though I spent out XXXX of dollars out of pocket. Please help me. 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 2016-12-01
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a credit card offer in the mail from Fidelity, in XX/XX/XXXX, for their credit card Fidelity rewards Visa signature card. The offer stated the credit card had 0 % on purchases and {$150.00} cashback when I spent {$1000.00} in 3 months.I applied for this credit card and was approved by XXXX. 
I sent Fidelity photocopy of this offer twice, but have not been successful in convincing them to apply this offer to my credit 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: U.S. BANCORP
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX, my husband and I decided to go through XXXX XXXX XXXX, including this account. I had forgotten to cancel my automatic payment in XX/XX/XXXX and called and spoke with the Recovery department, who advised that all future automatic payments would be cancelled, as I requested, and confirmed they are receiving payments from the XXXX company and their proposal has been accepted on my account. In XX/XX/XXXX, my automatic payment still was drafted. I called Customer Service who told me I was responsible to do that online, which I disputed, because the rep I spoke with the month before did not tell me I needed to go online, they told me they submitted the update themselves. The rep attempted to transfer me to an escalation and I stayed on hold 25 minutes - I hung up and called back, the rep then stated she would have a Supervisor call me back, which I never received. The next day, I called in and requested my payment be returned because they would be receiving my payment through XXXX company. I found out two weeks later it was denied because of my obligations to make my minimum payment. My XXXX company made my payment of {$110.00} - so they received two minimum payments. When I called back and re-requested my payment be returned, the rep stated that she thoroughly documented what has happened and I should be receiving my refund of my payment made XX/XX/XXXX to XX/XX/XXXX account, because it is clear that two payments were made by me. One in error by this company. It is the holidays - return the funds to my account immediately. This is their error - I have been given inaccurate information, representatives have shown no urgency and no follow-up to complete requests, and have kept funds for a payment that was no longer authorized. The representative I spoke with from the Recovery department on XX/XX/XXXX assured me no other payments would be taken out and sure enough, the XX/XX/XXXX payment was drafted. Keeping this payment and denying my request is unjust and unfair. I pay you every month - and prior to going into consumer credit counseling, paid you much more than the minimum payment. Please return the {$110.00} from XX/XX/XXXX to my checking account. It might not be a lot of money to you, but it is to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: National Credit Adjusters, LLC
State: CA
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:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
company reporting wrong information to credit reporting accounts behind because of it fake billing when there has been no purchased by me more that 10 request for pay history to date not provide company claiming I went over the limit when I have made no purchases I requested copies of purchase to date nothing I want to pay off the cards but I proof of the purchases made by some one else

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 2019-03-06
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, {$560.00} of available funds were in my checking account with SunTrust Bank. These funds were frozen and the account was closed. Through multiple phone calls and meetings with the branch manager, I was advised that even though the account was closed, the funds were unavailable to me and would not be available for up to 14 business days. This is completely unreasonable ; I have bills and rent to pay and holding on to funds that were deposited from my employer puts me in a major hard place. I have accounts with other banks and have never had anything even remotely close to this happen before.

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 2015-12-08
Company: Associated Credit Services, Inc.
State: NY
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:
Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This bill was for a hospital medical emergency service of my child, who has medical insurance.The entity making this claim has failed to properly bill the correct medical insurance with the correct billing information, despite my attempts to ensure proper billing and payment by my insurance. According to my insurance they need to re-bill with the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. Navy Federal also failed to inform me of my right to rescind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Paramount Recovery Systems, L.P.
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im not sure what the debt is for but they called an ex girlfriend of mine who is also the mother of our child. I am XXXX  in XXXX and they should not be contacting ex girlfriends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: IN
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 had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.

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 2016-01-05
Company: Moneytree Inc
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I applied for and granted a {$150.00} loan from Moneytree, inc, XXXX , Washington , with a repayment of {$170.00}. The funds were picked up on XX/XX/XXXX, and had a payback date of XX/XX/XXXX. On XX/XX/XXXX my Husband made an on line payment to my account of {$170.00}. On XX/XX/XXXX a payment of {$170.00} was made from our checking account, XXXX XXXX XXXX XXXX XXXX to Moneytree, inc to repay the loan in full. The money was " NOT '' returned, our account only shows a withdrawal from our account by Moneytree, inc. On XXXX/XXXX/XXXX Moneytree took the payment again from my checking account making a total payment of {$340.00} for a {$150.00} loan. Repeated contact with Moneytree, inc via email, FAX, and a visit to the local Moneytree location in XXXX has resulted in receiving no help. I have received an email from Moneytree, inc stating that " maybe '' the money was credited to another account. Since Moneytree can not tell me where the extra money went I am filling a complaint with the Consumer Financial Protection Bureau, and the Federal Trade Commission in a effort to resolve this issue. I can provide copies of my bank statements showing the XXXX withdrawals for {$170.00}. This makes a total payment of {$340.00} for a {$150.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015, US Bank rep. XXXX telephoned me and said my business account information was found on a known cyber-criminal USB drive, and an individual who was a target of a scam had my bank information and was instructed to pay $ XXXX account fraudulently. I explain I had " NO '' knowledge of what he was talking about and that it was the first I heard of it and there were no irregular deposits into my account as he could verify. He told me they would close my all my accounts and wire my funds to another bank, which they did on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 they reported XXXX " Report For : SUSPECTED FRAUD ACTIVITY ''. This reporting caused XXXX banks to close my account until I can clear the matter. I can not open a bank account anywhere because it appears like I was the one who committed fraud. Instead of someone illegally had my account information on a USB drive and No single person put any unidentified money into my account ever. I have been a victim of identity theft for my business, yet they attached suspected fraud to my social security number. Now I am Blacklisted a Fraudster, with their unfounded character assassination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Doing my annual check of my credit. Went to FTC and then XXXX Credit report. Successfully downloaded from XXXX bureaus : XXXX and XXXX. Having a lot of problem getting a report from Experian. I tried several times online. Got their XXXX # and called them several times and went thru all the choices. The only way is to pay. I called back XXXX to see if they had another number for Experian ( they were kind enough to give me a different number ). I called this other number and same as the first XXXX I called. Not able to order the free credit report. Only way is to pay. Not able to order the report via phone. Not able to talk to anyone. I called CFPB and they gave me a XXXX to order free credit report via phone. I did order for Experian, I am not sure if I am going to get it ( takes 15 days ). The reason I am writing this is, the lousy service and may be not being able to access of my credit report from Experian like the other XXXX bureaus gave me. Experian should look into the system to provide the report easily like the other XXXX bureaus. Experian is the only bureau that does not provide a human being for the phone service. Horrible service!

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 2016-04-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. The date the account was opened and the original amount of the debt is inaccurate as the debt was incurred in 2011 and the original amount was {$510.00}. This inaccurate information has caused adverse actions for me in terms of receiving credit and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of fraud with my bank at Wells Fargo Bank. 

Wells Fargo authorized many charges via XXXX over the period of XXXX and XXXX of XXXX that were not transactions made by me. During these incidents, I requested to change my account number, receive new debit cards, be notified of transactions of over {$200.00} and Wells Fargo denied this requests. 

On XX/XX/XXXX, Wells Fargo spotted fraud detection on my account, however authorized 3 XXXX XXXX charges to XXXX for {$4200.00}, XXXX  for {$500.00} & XXXX XXXX for {$2000.00}. ( PICTURED ) The total amount of money fraudulently stolen from my account {$6800.00}. As can be seen on my account, I have never sent money to these people before. As can be seen on my account, I have never sent large amounts of money like this prior to XXXX when I first started reporting fraudulent charges on this account. 

Wells Fargo has denied multiple of these fraudulent transactions, however, authorized many despite my requests and attempts to further secure my account. In one denial, Wells Fargo noticed that a transaction was being attempted from a gosq.com. ( PICTURED ) Upon looking up that website, it is a well known website that can be used to scam. ( PICTURED ) This shows that my information had been leaked and unauthorized persons had been attempting to reach my account and unfortunately, succeeded. Additionally, prior to nearly every fraudulent charge, there are XXXX and XXXX withdrawals and deposits of 50 or less from people I have never sent money to, nor I know. From research, this method is used to scan accounts to fraud. ( PICTURED ) this further Substantiates my claims that my account had been compromised and these are unauthorized charges. 

As of XX/XX/XXXX : I have just noticed that this claim has been closed and I have not received a satisfactory result in the return of the claim. My money needs to be returned. These charges in question where not done by me and my cellular device had been hacked and compromised. If there had been a throughout investigation, you would see these XXXX XXXX and XXXX charges were sent to people I have never sent money to and the phone number associated with those accounts are fake telephone numbers received from apps. In addition, I have never sent that large amount of money to anyone in the history of banking with Wells Fargo. These charges happened multiple times of substantial amounts of money, as described above, and each time I reached out to Wells Fargo to amend the issue because they were fraudulent charges. If I can not amend this issue with CFPB and Wells Fargo, I am considering legal action.

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