BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-19
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX automatically charged a product to my credit card account. This had happened before and at that time I called and cancelled my card and received a new one with a different card number. I inform XXXX that I did n't want them automatically charging to my account. It happened again in XXXX, 2016. The credit card company allowed XXXX to charge to an account that did n't exist, they transferred the charge from my old card number to my new one. When I called the representative of the credit card company they said they could n't do anything except challenge the charge. I did that. 

I just received another bill from the credit card company stating that I owe {$85.00} for the XXXX charge, plus a late charge, plus a minimum interest charge fee. I feel like I am being harassed. I closed the account, yet after taking to a representative a second time they said they ca n't close the account. I spoke with a supervisor and they were no help at all. I called XXXX and received a refund on XXXX XXXX, 2016. They told me to contact the credit card company and give them this number : XXXX or XXXX. 

I sent all of this information to customer service in XXXX, ND.

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 2016-05-03
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The property located at XXXX XXXX XXXX in XXXX, IN XXXX has been in foreclosure for well over 1 year. The property has not been maintained by anyone. Windows are broken, there are holes in the siding, the fence is falling down, there are multiple dead trees, and all the neighbors have to chip in to keep the yard mowed and the weeds at bay. The result has been a significant eye sore in neighborhood that has resulted in people leaving the neighborhood, and difficulty in attracting new home buyers. The HOA fees have not been paid in several years and this property has become a large burden on the neighborhood.

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 2015-08-12
Company: U.S. BANCORP
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have an account with US Bank and my husband and I have been with this bank since XX/XX/XXXX. We recently got married XX/XX/XXXX and ever since then my account issues started. I got a new debit card with my new name on it and they wont allow me to go over {$500.00} when our rent is well over {$1000.00}. I have to now write a check through online bill pay in which they sent out but then returned it because I did n't have {$25.00} in our account. After taking my entire lunch to straighten it out the rep said it was the banks fault and took the return check fee off our account. I was so upset and advised her of this and she said she does n't get why I am upset they did me a favor!!!!??? Keep in mind my rental office wont allow me to send in checks now that this has happen. The rep told me we can do overdraft protect for just online bill pay and checks so our bills can be paid and put a " No '' for overdraft for our debit cards I agreed. Well today XX/XX/XXXX I get another return check for my husbands student loan payment because our account was {$46.00} negative. I speak to a XXXX and he tells me its at the banks discretion which was never told me by the previous rep. You would think since we have been with this bank since XX/XX/XXXX and have multiple accounts with them they would cover {$46.00} overdrawn check. I spoke with a manager XXXX who had no compassion at all and told me they sent me a letter telling me the details of this which we never received. I am fed up with this bank and will be closing our account ASAP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX 's Home has an account at U. S. Bank in XXXX XXXX, CA. at XXXX. I deposited XXXX checks on XXXX/XXXX/16 for a total of {$31000.00}. I was told the funds would be held, however, I learned on XXXX/XXXX/16 {$200.00} was realeased and {$4800.00}. was realeased on XXXX/XXXX/16. However U.S. Bank has charged for 3 checks submitted for pay a total of {$100.00} over draft fees. The funds were there. The checks were drawn on an account from XXXX in XXXX XXXX. The payee was the County of XXXX a governmental agency. In reading the regulations a government check does n't have to be held that long. I told XXXX the employee at U.S. Bank and she told me XXXX County went bankrupt. That is an untruth. XXXX County has never went bankrupt. This was done to get funds from this account illegally.

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 2016-05-16
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to dispute a billing error in the amount of {$25.00} on my account. I submitted a payment of {$19.00} online for the balance on the Target Red Card on XXXX XXXX, 2016, a month prior to the payment due date of XXXX XXXX, 2016. The payment was posted on XXXX XXXX, 2016. The payment was not accepted and I was charged {$26.00}. I resubmitted the payment after being emailed an alert on XXXX XXXX, 2016 stating the payment was not received. I contacted Target to discuss the matter and resubmitted another payment for {$19.00} that day. Target Card Services customer representative would not correct the {$25.00} charge or provide me with information regarding the process to dispute the charge. The representative informed me that I could not dispute the charge because Target was not at fault. I found the address for Target Card Services on my own and wrote a letter to Target Card Services requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. The next month I was sent a bill with a {$25.00} charge in addition to the {$26.00} balance for the original fee charged by Target Card Services totaling {$51.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is should not be reported on my credit reports. I stopped seeing this Doctor at XXXX Hospital in XX/XX/2012. My life was in jeopardy and so was my unborn child. I never got to see the Doctor only the Nurse Practitioner. I was XXXX years old had XXXX. I was 5 or 6 months into my XXXX and these care givers had not even referred me to a XXXX doctor. On several occasions that I visited the office my Dr. that i was supposed to see would be setting in her office drinking coffee!! Before changing DRs I had been making extra payments that were arranged by their office to meet my insurance deductible. In XX/XX/XXXX I decided that this staff did not have my best interest at heart and switch Drs at this time all payments were made to the XXXX Hospital I had a XXXX balance. The Drs would not allow me to even see the Dr I was previously seeing before I became XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: 360 MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I refinance my VA backed mortgage with XXXX XXXX XXXX , XXXX A wholly-owned subsidiary of XXXX. When we started the process the sale point was to lower my interest rate. I was told because I have a VA loan and the Safe Harbor Act I could not get an IRRRL. Which I did not understand why because, I was not or had been 30 days within 6 months late on any of my debts to include the mortgage. 

I am a XXXX Veteran, at the time I was under a lot of stress and went along with what I was told. The loan was transferred to 360 Mortgage Access for servicing. Then my nightmares began. My loan started out with a payment of {$1200.00}. In XX/XX/XXXX, 360 conducted n escrow analysis and lowered my payment. However they left out my city and county taxes. Once they caught their mistake, my payment went to {$1600.00}. Because they had to recoup the negative escrow amount from their mistake. When I called to workout a different payment arrangement for the negative escrow amount because it caused me a severe hardship. The customer services reps on more that one occasions told me to short sale my house ( with a giggle ). I did not see the humor nor did I think it was professional for them to have such an unprofessional approach to my issue. I suffered through XX/XX/XXXX paying the extra amount by borrowing from friends and relatives. XXXX would not consider a HARP or any other solution. Either XXXX or 360 Mortgage Access or both have predatory business practices. If I was not a Veteran this would not have happened. Now, the most egregious is the fact 360 stated they would conduct another analysis in XX/XX/XXXX and my XX/XX/XXXX payment amount should be lowered ... AS today the action has not taken place. They are still billing me for the extra escrow amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: PA
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:
I HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNAUTHORIZED ITEMS ON MY REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE THESE ITEMS FROM MY 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 2015-09-29
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
A person named ( XXXX XXXX ) has repeatedly called me to collect an old payday loan that I had tried to pay off. When I realized I could n't pay the loan i made arrangements with Check N Go to pay so much a month over a year ago. After a few months I forgot to pay and did n't hear from them until recently. 

When I told XXXX XXXX that I was on Social Security and VA XXXX and am unable to repay the loan we made an agreement that I could pay {$25.00} a month begging XXXX 2015. I told him I would pay when my check came in. 3 days before my direct deposit came in he ran the check through my account over drawing it and costing me {$140.00} in over draft fees. When I contacted XXXX XXXX and complained he acted like he did n't care and told me he would repeatedly run the check through. I made arrangements again to pay on the XX/XX/XXXX and again he ran the check through the account causing overdrafts 3 days before the XX/XX/XXXX. 

Since that time I closed that account and now I am getting threatening and harassing phone calls. After several attempts to inform XXXX XXXX that I was not able to pay he started calling my family. First he called my XXXX year old dad, then my son, and today my wife at her work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with XXXX XXXX XXXX. XXXX  XXXX. aka XXXX  took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX  made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that XXXX  was the agency to contact, I spoke with XXXX on XX/XX/2020. XXXX advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED XXXX to try to get away with their ABUSE AND MISUSE OF THEIR POWERS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Three years ago I was contacted by phone by an online payday loan company. I was told I had made a {$700.00} online loan which had been deposited into a XXXX XXXX account. I told them I did n't borrow money nor did I have an account at XXXX XXXX. I contacted the Federal Trade Commission who took a complaint and told me it was best not to engage callers. 
The " collectors '' called me several times over the next year, each call from a different company saying I owed more and more. I assumed they were selling my name to the next con artist. But in the last year one company has consistently called me threatening to take me to court. I told them that I welcomed a court date so they could prove this debt I did n't make. They then began sending bills for {$6700.00}, and periodically calling. 
The other day I called my mortgage bank to get info on a refi and was told there was a {$6700.00}. collection on all XXXX credit reports. 
The Company is XXXX XXXX XXXX. 
I have n't tried to contact these people, because it 's not my debt and they do n't want to hear that. They just want you to pay anything they can get. I have contacted XXXX and disputed the debt, I was told I should hear something with in 30 days. They have ruined my credit rating and may potential cost me in higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.

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 2015-10-21
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a customer for over a decade with PNC. Last year they convinced me to change my type of account promising no additional fees and only positive changes. The main selling point being that they would now pay for other financial institutions ATM service charges. Turns out, my previous account did n't have PNC charges for non PNC ATMs. So this account had extra fees! I called in and asked to be reverted to my previous account type and was told it no longer existed and that was n't an option. I was upset at the false information given to me, but as long as they were paying for both sides of the ATM charges that was ok. Now, less than a year later they are removing the main selling point feature of paying for other institutions ATM fees!! I stopped by a branch with no help. I called in to the service center with no help. And, when I referenced the CFPB it was escalated for a manager and I was put on hold for over XXXX minutes, with no help or changes! This was a deceptive marketing tactic used to get me out of a product they did n't like anymore and then pull the main positive features of the new product with in a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is a continuation of my previous case # XXXX. My mortgage company, PNC, is offering to extend my loan term from XXXX to XXXX, increase my rate from XXXX to XXXX. They claim my monthly gross income is {$11000.00} when in reality my gross monthly income is {$2300.00}. and my expenses including mortgage is {$3300.00}. During the application process I sent over XXXX pages of information. They knowledge my application was complete, however, the still requesting documents I have already sent. 
I am sending partial documents to support the information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection company and credit bureau kept XXXX different accounts that were in collections on my credit report well pass the statute of limitations by illegally re-aging the accounts multiple times after they were suppose drop off my report. And I also believe that XXXX of the XXXX delinquent accounts were not my debt. And this has caused me to have terrible credit for years. And I requested a copy of all my debt information from the collection company 2 months ago and still have not received it. After I requested debt information they took those accounts off my credit report but the damage has been done. I incurred those debts in XXXX and never received a bill so I never made one payment so therefore statute limitation has been up and i just got them to remove the negative accounts XXXX of 2016. And when I contacted the collection company in XXXX of 2016 and explained to them the statute of limitations was up they told me there was no statute of limitations on my specific type of debt, which is totally false.

Company response to consumer: Closed with explanation