BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/XXXX, U.S. Bank Card Services decided to close my credit card account with a limit of {$22000.00} that I have had since XX/XX/XXXX. In a letter dated XX/XX/XXXX, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all XXXX of my credit bureau reports. I informed them that I had to place a security freeze on my credit reports as a result of the XXXX XXXX XXXX and XXXX data breaches since I am a federal employee and that it would cost me a total of {$30.00} to unthaw and refreeze my credit reports and would also result in a new hard inquiry. U.S. Bank informed me that they randomly select a credit bureau. Before U.S. Bank decided to close my credit card account, my XXXX Credit score was in the XXXX range and now has dropped to XXXX based on the AdvantageScore from XXXX XXXX. In addition, the length of my credit history went down from good to poor due to U.S. Bank closing my credit card account. In addition, both my XXXX and XXXX credit reports remark that the account was closed by myself, when that was not the case. While I admit that I had misplaced my U.S. Bank credit card in my files resulting in the activity, I feel that U.S. Bank could have sent me a letter in advance that they were considering closing my card so I could have began utilizing the card again. My XXXX and XXXX scores are in the XXXX FICO range so I have managed credit wisely. I believe it is unfair that I am now being penalized on my credit report and score when I have done nothing wrong. I have never been late on a payment with U.S. Bank regarding my prior home mortgage, lines of credit, prior car loans, and this specific credit card account that was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( CLARK COUNTY COLLECTION ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I placed a call to Macy 's on XXXX XXXX in an attempt to make a payment. The associate told me that Macy 's was undergoing maintenance at the time. I tried to leave my information with the associate to input once the system was running again. This request was declined. I stated a concern about a late fee, due to Macy 's inability to process a payment. I was assured that this would not be an issue, as it well known that the system is undergoing an overhaul. 

I received a bill in the mail with a {$27.00} late fee included. I called to make my regular payment and dispute the late fee. When I spoke to associate XXXX XXXX, he refused to discuss the matter until I paid the misapplied late fee. I asked him multiple times to speak to a supervisor, and he denied my request each time. 

I called back and got through to Supervisor XXXX XXXX. She insisted that the conversation that I had on XXXX XXXX was with an automated message, not an associate. I told her that I indeed spoke with an associate, and I relayed the information that the associate provided. 

I have already set up autopay, and I have no issue making all of my payments. However, the late fee is a direct result of Macy 's being unable to process the payment XXXX XXXX, 2015. My credit rating is very high because I honor my payments. This {$27.00} late fee should have never been applied, and I am requesting that it be removed immediately. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's American Express credit card is reluctant to credit Macy 's Worrynomore voucher in the amount of {$220.00}. The voucher was issued on XXXX/XXXX/15 by Macy 's as reimbursement for not using the furniture protection plan and has to be used only towards the purchase of furniture, it expires in 90 days from the issue date. I purchased the furniture from Macy 's over the phone and was told that the voucher would be credited before the XXXX statement. As per worrynomore program, the voucher was redeemed on XXXX/XXXX/15, but never credited to my account. The furniture was delovered on XXXX/XXXX/15. I called Macy 's worrynomore program and credit card customer service multiple times since the purchase in attempt to get the voucher credited towards the purchase, I also filled out the dispute of charge form. I was told to fax the voucher to Macy 's, and I did so to several different numbers provided by different customer service reps ; but no result. The reps refuse to provide their names or ID numbers, and refuse to connect to supervisors. Last time I was tols it takes 30 days to process the voucher, but today is over this limit, and the credit not applied. It seems to me that the Macy 's worrynomore is a consumer scam to inflate the furniture price and to trick into purchasing " refundable '' protection plan. 
The Macy 's customer service never responded to my multiple e-mails. 
Every phone call takes no less than XXXX min ; I have no choice but to request your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Sale of account

Complaint:
XXXX transferred my XXXX card into a XXXX XXXX card. When they did so, they failed to maintain my auto-bill information on file and did not notify that such information would not be transferred. As a result, my payment was not auto-paid as I requested. I now have a derogatory mark on my credit score that will not go away for 7 years. I would like XXXX to clear the derogatory mark and waive all late fees and interest charges associated with their failed transfer.

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 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 requested an investigation into the following unknown and unauthorized credit inquiries listed on my Transunion credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX on XXXX/XXXX/XXXX XXXX ) XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Transunion credit report. 

Thank You For Your Time.

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 2016-12-31
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX interact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-08
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Need to find out if my student loans are government or private. Trying to get lending for a house

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 2016-11-02
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I booked a hotel room online with XXXX on XXXX/XXXX/16. I went into the hotel and was told I did not have a reservation and that the hotel was booked. I called XXXX 2 times that day and could not get through because of call volume. I called Elan XXXX and was told to try again. I called XXXX on XXXX/XXXX/16 and no one answered. I called XXXX and told them. On XXXX/XXXX/16 I disputed the charge. 
On XXXX/XXXX/16 I received an email from XXXX apologizing so I thought the matter was settled.I received a letter from XXXX on XXXX/XXXX/16 telling me they were charging me back. On XXXX/XXXX/16 I sent more information to XXXX and called to verify that they had received my fax and would reopen my case. I called XXXX on XXXX/XXXX/16 and was told by XXXX at claim support that he would fax me a letter to fill out and that is why I have not seen the credit on my bill. I would receive the letter by fax or mail by the following Wednesday. I called on XXXX/XXXX/16 and talked to XXXX at claim support and she did n't know why I was told that. She was sending a note to my case worker.to reopen the case.on XXXX/XXXX/16 I called and request that they reopen my case. I talked to XXXX. I called on XXXX/XXXX/16 because the charge was still on my bill this time I was told by XXXX the Specialist supervisor that the time has expired and nothing can be done.Sorry! This is my XXXX company that I have had for years. They were not helpful at all. Clearly I would not have booked another hotel that was more expensive on the same date. I should n't be held responsibe because XXXX and XXXX made it impossible to get in touch with them.

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 2017-02-13
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Rewards

Complaint:
US BANK has sever offer online, but I opened credit card with them, I finish the requirement but they did not give me back the bonus. 
Now there are XXXX accounts has offer I should get but I did not, it is all like spending XXXX in 3 month and get XXXX back. check on there website page online XXXX ). and page ( XXXX ). I 've chatted with customer service phone team, they did submit request for it, but they told me they need the fine print? It is absolutely public and everybody could access to that link and see the offer at the first place. 
{$100.00} New Cardmember Bonus after you apply online and spend {$500.00} in the first 90 days of account opening. 
And the marketing team give me back a saying that I should get XXXX rewards, but that is actually regarding to the checking offer. My summer checking offer package. Code is XXXX. After I mentioned that, they do not reply me as they do not have other excuse, yet they deny the deal and offer they should give to me. 
They obviously listed everything online loud and clear, I feel frustrated about their decision.

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 2016-07-07
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My son and I went into the US Bank on XXXX XXXX XXXX in XXXX XXXX at XXXX to open a new checking account. The Teller ( XXXX ) refused us service and stated that she can not help us because opening a new account takes 45 minutes and we close at XXXX. I find this practice to be deceptive, unfair, and discriminatory! If US Bank advertises that they are open until XXXX, how can they deny a customer service? I work during the day and my son had just gotten off work, so this was the only time that we could get there. I 'm shocked that they refused to help us!

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 2022-11-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is a charge on the statement listed as NONATM DEBIT for XXXX from XXXX NY. We did not authorize nor complete this charge. On the same day we were in Nj and never left the state. There were other charges the same date with location proof on the statement showing Nj. The bank refused twice to remove the charge. We asked for video proof at the machine, how an ATM can withdraw XXXX and also why would someone who had over {$6000.00} ask for a balance inquiry right before withdrawing XXXX. All answers were, we can explain, but you had possession of the card so we deny the request for reversal An investigation by us has revealed similar situations by an extraordinary number of customers from TD bank. Most recently there has been an arrest related to an XXXX XXXX  employee who processed withdrawals through their customer accts exactly in this fashion. We are only asking for that one charge and the related charges ( totaling {$6.00} ) for balance inquiry and non TD ATM withdrawal on that day to be reversed or for them to show proof that we were the ones that took the money out. Every ATM has cameras so there should be video proof. If not that, then answer my question as to what ATM allows for pennies to be withdrawn? Please help! Also, an investigation of TD bank should be warranted based on the number of complaints with the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 I sent a letter through their email from their website for a request deletion of all information collect on me a third party or services provider. They have been been very damaging to my credit report they add remarks on my credit report, then remove and repeat the process. I have disputed this account because its inaccurate they failed to provide me with a signed contact and other documents I have asked for because that is my right under consumers California privacy act that is the law and they are violating my rights and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CITIBANK, N.A.
State: FL
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 applied for a personal loan in Citibank on XX/XX/2021. A few days later Citibank told me they couldn't approve my loan because I have an active fraud alert in XXXX report, so I need to call them and have them remove the fraud alert. I called the XXXX and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called Citibank back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back XXXX and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back Citibank again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither Citibank nor XXXX were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional Citibank inquiries to be removed from my XXXX  credit report.

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: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX. 

Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account. 

Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Synerprise has been reporting a fraudulent collection on my credit reports. I only found out about this collection from reviewing my credit reports. Synerprise continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the TX Attorney General, the XXXX and the KS Attorney General. 
The account number listed on my Equifax report is XXXX. The last XXXX numbers have XXXX 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & KS Attorney General offices. 

I also plan to file complaints against XXXX for ethics violations with XXXX XXXX.

Company response to consumer: Closed with explanation