BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a letter in the mail about this account. And I never received a collection notification letter as well. I 'm very disappointed how agencies can just put you in collections without letting me know by phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
It is understood that banks have overdraft fees, however I encountered an incident that is highly irrational and simply unconscionable. I am a XXXX employee who makes over {$250.00} a week and over a month ago, one week of my barely there paycheck went towards over draft fees. Over a long holiday weekend I made a couple of withdrawls, only after carefully balancing my checkbook to ensure that my available balance was able to cover the withdrawls. That Tuesday I checked my account, only to find to my horror that my account was in the negative for almost {$300.00}, charged XXXX over draft fee 's for purchases averaging less than {$10.00}. We immediately contacted Citizens Bank customer service, only for them to explain that because the larger withdrawls posted before the smaller purchases, resulted in my account being overdraft. The bank representative was empathetic and was not willing to remove none of the overdraft fee 's, not even XXXX. I escalated it to the supervisor and she was even less empathetic to the point of her being very condescending. She referred me to a local branch to try and get the fees reversed but this was nothing but an attempt to end the call because the branch representative referred me back to the corporate customer service, who referred me to them. There is something highly wrong when these banks, whom our tax dollars bailed out, show little sensitivity to its customers and is steadfast in its conviction to operate in a manner that lacks an ounce of humanity. It is clearly visible to the Citizens Bank how much is deposited in my bank account each week and to have not even XXXX of its employee express some level of compassion is still beside me. Every business is in it to turn a profit, but to think that Citizens Bank will go bankrupt for waiving these fees is unfeasible, what they in turn will lose are customers, because unlike its namesake, this is a bank that does NOT stand for the best interest of its citizens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the FairCredit Reporting act XXXX  XXXX Account # XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: FL
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:
This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Good afternoon, My account was charged over {$20000.00} in account fees within a two year period. 
I filled a complaint with XXXX  but was told that Chase Reports to their own corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I disputed the debt verbally to Capio Partners, and less than 7 days later, they called again for the same debt. I am familiar that after the debt has been disputed and documentation has been requested, they can not call again about the same debt less than 7 consecutive days later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified. 

They are as followed : 2 inquires with XXXX on XX/XX/2021 XXXX inquires with Capital One Auto Financing on XX/XX/2021 & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
U S Bank claims the payment is late for about 6 months now. Furthermore, they have falsely reported to all XXXX credit bureaus as late. I have checks and documentation to prove it has never been late, moreover, the online account even shows the mortgage to have been paid on- time for the past 6 ( six ) years. On a daily basis they call and harass with threats and I continually tell them I have sent certified letters explaining the mistake and showing the mortgage to be paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: U.S. BANCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 my husband was contacted about recieving a loan. 
The person that he spoke with said that he was with XXXX XXXX XXXX. Then the guy called my husband and asked for security information because he could not recieve verify that the account was our joint account. After recieving the information he had wired XXXX checks into our joint account. US Bank sent email verifiong that the wire had been there. The next day my husband was told to send ther money back to them. That way they could put more money back into the account. My usband went to XXXX XXXX and did the transfer using his debit card. Fraud dept. called my husband and told him that he had just been scammed. when my husband tried to get the transfer stopped. Money gram said that it had already been recieved and that tey could not do anything. Us Bank XXXX chose to put a hard freeze on our joint account as well as my personal account that my daughters XXXX gets deposited. As of today both accounts are closed. I do n't feel that they have the right to hold the money that XXXX had deposited into my personal account. 
I have not been able to pay her bills or pay for her meds. I was told that a certfied check would be cut and sent to me for the diferrence last week. I have not seen anything as far as check. They have closed this account. Again I do not believe that the have the right to old those funds. I have also reported the fraud case to the police. I have added my police case number with my attachments.

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 2016-10-21
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Given all the fuss about XXXX XXXX opening up fake accounts, I thought I should mention that CitiBank did the same to me in 2008 as XXXX XXXX. I did not want a Citi bank account, I did not sign a contract agreeing to it, and I never used it. I am assuming that someone at Citi signed a fake signature to open an account in my name. 
Given that I did not want the bank account, I did not sign for it, and I never used it, I just ignored it. They closed the account for nonpayment of the monthly service fee. Even then, they sent collections after me and did n't leave me alone. I had to make multiple calls to Citibank pointing out that they must have faked my signature since I never agreed to open the account and they were committing fraud.. Finally, Citibank stopped bothering 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 2016-09-24
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
I have a credit card account with US Bank that I attempted to cancel at least five years ago. I learned by way of a credit monitoring alert that US Bank had not in fact canceled my account, despite my request. ( In fact, the account remains active even after my second written request. ) Although I had not charged anything to the account since I attempted cancellation, it incurred an annual fee that I did not pay, and thereby resulted in a 30- and 60-day delinquency that was reported to credit bureaus. I have sent two letters to US Bank requesting a discussion of this misunderstanding/error and a fair resolution. US Bank is utterly inaccessible and unwilling to discuss a resolution to this matter with anything but unsigned form letters.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a XXXX loan check via the app and Wells Fargo elected to close my account and put all my funds on hold for XXXX weeks. The agent tried to claim it was because the check was written out to XXXX XXXX and my name on the account is XXXX. Either way, I was treated completely dismissively and was told I could not have the funds from the check. I then tried to use the check wit ha reputable institution who stated the check was no longer good. When I contacted the XXXX company, they state Wells Fargo had kept the more than {$1100.00} they tried to tell me was not drawn. The bank currently has more than {$1100.00} of my money and will not allow me to dispute XXXX debit cards transactions stating the account is closed and the transactions no longer open for dispute.

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 2015-06-24
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When I applied for this payday loan through this company I was approved for XXXX. The loan was for my school fees and supplies. I was told that I would have to XXXX and that includes interest and the first payment towards my interest. I was fine with that so I proceed with the loan. When I went in to sign my documents I notice that I could not see the payment schedule or the interest rate sheet. I signed all of my documents and I received the funds. When It was time for the first payment, I payed everything. So I thought everything was okay. The next month they tried to process another payment on a different date, it was rejected because of lack of funds and received and overdraft charge. After this I logged into my account through them and found out that my amount had not went down, but it increase to XXXX. I contacted the company and I asked them why where they doing this, why has n't my principle decreased and Why is my payback amount is so much. I was told because of the interest. I told her that it was unacceptable, and I was not told that information. I asked the customer service representative that I want to speak with the manager. She transferred me, I waited for two and a half hours waiting for the manager. I hung up and called back and explained again, I received the same respond but this time they hung up the phone. I tired to called back on a later date so I can try to work out this issue with them. I explained to them that I am in XXXX school and my hours have been cut down because of the high demand of the program. I told them that I could pay a lower amount do that this issue can be resolved but I was met with threats of lawsuits and jail time. I just want this issue resolved and this stress off my back. This was the worst mistake of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Late fee

Complaint:
everything I bought was credited to the account I also made a payment they charge me {$4.00} interests on the purchase that was returned {$27.00} late fee when I made my payment the phone Automative geve me the balance as {$46.00} us bank trying to make extra money by charging this fees I called on Monday XX/XX/2017 at XXXX the represenatinve was very rude and XXXX and when I told her I will file a complaint with CFPB she said go right head

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 2015-12-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a check deposit on XXXX/XXXX/2015 at Wells Fargo bank in XXXX oregon yesterday and because the bank created an overdraft two times in 6 months they put a 10 day hold on the check we checked the account the check was drawn on and the check was paid. I called wellsfargo and informed them that the check was paid last night and that I wanted the money made availe I was informed that was n't going to happen. 

Yesterday as every month I made payments to my credit card it was noted and pending yesterday but today the payments are not there the bank said I did not make the paymentsAnd that my balance is XXXX+ this is how the bank causes an overdraft they force this by deceptive practices This has got to stop it is unfair that a bank can keep me from paying my bills with my money and that a draft that they have gotten paid on remains on hold this was never disclosed to me at the time of opening the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I made a credit card payment for a repair on. It was authorized XXXX XX/XX/2022, but didn't post to my account until XXXX XX/XX/2022. I was told by multiple agents for USAA that what I am asking for is a dispute and not fraud. I told them the difference between the two but they were insistent that what I wanted to file was a dispute. One of the agent even told me that they are authorized to handle credit card fraud and every single one of them were adamant that I wasn't aware of the difference. One even told me that he was reading from the script. They all kept asking me personal questions that were not on their computer screen and making their own assumptions and what was is was not fraud. I am also missing my statement from XXXX XX/XX/2022 and the reasoning behind it was I had a XXXX balance. I know that even when there is a XXXX balance I am still supposed to receive my statement. They can not see the statement from their end so that means someone deliberately deleted/did n't post my statement intentionally. Every single representative I spoke with told me I was being unprofessional, told me I needed to watch my tone with them and even hung up on me because I refused to allow them to file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding CFPB complaints # XXXX, XXXX, and XXXX. 
Attached are the proofs. 

XXXX XXXX  letter proves that identifying information was there to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

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 2016-11-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on

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 2016-05-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.

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