BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Case # XXXX Re : Account XXXX XXXX XXXX XXXX Dear Sir, Thanks you for your letter dated XX/XX/XXXX but I do not agree with the amount of your credit. 

I have 2 loans with B of A and by XX/XX/2021 {$2800.00} was due for the purchases and this was paid prior to that date therefore the only debt that remained was for the Direct Deposit of {$4400.00} at 1.99 %. 

My TOTAL monthly interest charge in XXXX should not exceed the monthly interest rate of 1.99 % for the {$4400.00} owed which would be less than {$8.00}. 

I would appreciate it very much if you would credit my account with the proper amount. 

Cordially yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: CL Holdings 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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and i have yet to received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: First National Collection Bureau, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
regions bank again holding pending charges causing od im opted out of any all od srevices seems they try to hold charges pending way too long to try get accts in negative when customer is not opted in to any ads supposed reject purchases ect i think their needs to be ig internal investigation on their banking records to show how many others are being ignored opting out letting accts go in negative ry earn # # in fees ect i am XXXX live on very limited $ $ $ my it being on od means my first of month check not even get it be used up in od fees how many others are being done this way i am hoping you not just react my issues only but subpoena their records find out how many others being treated like this. in my opinion if found to be doing this many dont just fine then one fee fine then for each offense say you fine then XXXX XXXX for offense also fine XXXX more XXXX for each customer that was mistreated ill be reportig issues to other federal agencies to

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 2015-09-11
Company: U.S. BANCORP
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was a military servicemember XXXX in 2010. Prior to my discharge i had an auto loan through US Bank which i never missed a single payment on. After bieng XXXX my finances changed dramatically awaiting my VA benifits. I tried to work out a payment arrangment with us bank and they would not accept it. They repossed the vehicle shortly after my XXXX XXXX months or so. XXXX XXXX attempted to help us get current on the payments byt US Bank would not allow it they said our only option was to pay the balance in full. When asked why we were told because we violated the terms of the lease when we no longer had an allotment payment in place, ( which was not even an option ) We later found out that US Bank lost a lawsuit for these illegal practices but we never found out how to do anything about it. It took almost XXXX years to start getting full VA compensation and im XXXX. We have tried to contact US Bank to no avail and the remaining balance of this loan is still negative on my credit and hurting me and my family a great deal is there anything that we can do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for an 18 month duration US Bank interest free credit card, Acct XXXX :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee XX/XX/XXXX. The XX/XX/XXXX bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to XX/XX/XXXX bill, and charge 15 % interest and {$39.00} " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed

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 2015-04-26
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
us bank decided to cancel the " last night free award '' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one Balance : {$600.00} Date opened : XXXX I have called to have this removed as this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried contacting them on multiple occasions through the mail over the last year and I have yet to receive a response. This company is affecting my credit and hindering me from obtaining a loan for a home.

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 2021-08-14
Company: EQUIFAX, INC.
State: MN
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:
My XXXX XXXX XXXX  XXXX XXXX # : XXXX credit card is lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I feel that I have been scammed by XXXX XXXX due to deceitful marketing letters. I wrote XXXX promotional checks for purchases that they sent me. The XXXX XXXX was in XXXX XXXX and the XXXX XXXX that I wrote was in XXXX XXXX. The XXXX check had a term of 0 % interest until XXXX XXXX and the XXXX check the promo was 0 % interest until XXXX XXXX. The letters that I received at that time did not have any " Special Notice '' box that they have recently added to their most recent offer letter. Now they explain in that box on the letter that in order to avoid interest you need to pay your account balance in full. On XXXX/XXXX/XXXX I received a credit for the amount of {$48.00} for interest charged for the past 4 months after I called and complained that I felt that this was deceitful and felt I was being scammed. I have now been charged interest on my last statement and will continue to be charged interest going forward on these XXXX purchases which I was let to believe was at 0 % interest. I had always paid in full in the past but I will not pay in full for these XXXX purchases since I was given an offer of 0 % interest until the dates I mentioned earlier and there was no explanation back then on their promo letters explaining that to avoid interest I needed to pay the entire amount in full including the 0 % interest purchases. I find it very interesting that they have now included on their 0 % promo letters this special box and in bold " Special Notice '' since I made the call to complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
OnXX/XX/XXXX I tried using my debit card was denied so I tried logging in to my online account with no success so I called in was told my account was being closed they weren't allowing and debits only credits and they reversed several of my payments i had made on the XXXXth and XXXXth. I'ma at a total loss as to why they feel the need to hold my funds for 60 days when they aren't allowing debits to my account. I need my money they are going to cause me to lose my home my car I can't feed my child and they won't provide me with where it states in agreement they are allowed to keep my money from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: U.S. BANCORP
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On Sunday XX/XX/XXXX I purchased a bunch of {$200.00} mastercard gift cards at XXXX. When I tried to use them on XX/XX/XXXX, XXXX of them had been hacked. This is absolutely negligence on the part of US Bank. They know how easily their cards are to hack and this is not the first time this has happened to me. When you try to file a claim with them, they put the whole onus on you to prove that you didnt make the charge. I 've even figured out how they are being hacked and have offered to explain this to the bank but they do n't care. I should n't have to wait months for US Bank to repay me. Please help me ( the consumer ) not get taken advantage of by these banks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: U.S. BANCORP
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
no business.. 
I called several times to ph:XXXX and expected amount inside my checking account XXXX usd, nothing was like deposit since Friday XXXX until today XXXX. Teller said they can not help me, I need to travel to local branch office in XXXX, XXXX-I am in XXXX, XXXX, because I do not know the pin for my d.card:XXXX, exp.XX/XX/XXXX.I can not go walking, without car, and they refused to tell me account number by phone or to inform XXXX XXXX for info for deposit . Always advises : do this, do that, until I received in XXXX XXXX XXXX. The office in XXXX, XXXX is refusing me new opening for checking since XX/XX/XXXX.I always fixed somebody 's mistakes, last negative balance which I paid in XX/XX/XXXX was from Gold 's gym -extra charges from us bank account-4-5 times over the membership money for 2 months paid from my friend. So I fixed it.No wi am circling town-nothing is possible, she said : " go and do it on line '' but -I am answering, I am calling, because I ca n't do it, for exmpl. : if I am in XXXX, I do not need her advise to check something in us bank in XXXX XXXX, she misunderstood, last time before now XXXX. from XXXX answered. Apology! 
I am tired to be returned, to waste time, to loose money walking, no business is possible between us. On line is sounding : 'he never will send you this money, he is without money '' -so it is XXXX refusal and the end-XXXX job. I plainly paid XXXX purchase treadmill since XX/XX/XXXX and 3 weeks I can not receive my money back. The main amount XXXX usd sent from my mom, XXXX, XXXX to see me in XXXX after 14 y. I am in this XXXX XXXX.I lost more than half of the money in fees, charges, refusals, deposits cash-money in advance, holdings, delays, gas, etc. Pls, do not return customers, if possible.

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 2016-08-31
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I reported a fraud claim to US BANK on XXXX/XXXX/2016. Their policy is to provide provisional credit in 10 business days. They have yet to do that and they have n't sent me anything in the mail regarding paperwork, etc. 
I have spoke with them on numerous occasions up until XXXX/XXXX/2016. 
Nothing has been resolve.

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 2016-06-02
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the victim of loan modification fraud. XXXX XXXX and ditech financial are XXXX me. They added {$16000.00} to my balance and forged documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received email that the federal loans are being switched to a lending company and also i never had any options for my federal loans due to Covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Innovative Mortgage Services, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complaint Description : Possible fraud on multiple federal loan applications by Innovative Mortgage Services and their broker, XXXX XXXX I submitted two loan applications with XXXX XXXX, of Innovative Mortgage Services, who told me that I had been prequalified for XXXX ( XXXX ) 25 % loans with XXXX for investment properties in XXXX, FL. Each property is under contract for purchase of {$150000.00} each. I was denied the loans that I was " guarenteed '' by XXXX but qualified for loans not discussed at anytime during the loan process. XXXX XXXX stated that he tried to " trick the bank '' by getting me a different loan by a method that he was not willing to disclose. He also told me that he had withheld information from about my loan application from me and what I would as qualify for. I feel he was not only dishonest but failed to disclose all relevant information that he is required by law to inform me of. I attempted to contact his supervisor, XXXX XXXX, on XXXX XXXX and have yet to receive back from him. I have informed XXXX XXXX XXXX XXXX in Florida of the situation and they have immediately brought this to the attention of the bank president and are currently conducting their own investigation. Contact info for XXXX is XXXX XXXX XXXX XXXX XXXX behavior has been unethical and illegal. He knowingly withheld information from me and lied on a Federal XXXX. I addressed these claims to him and he admitted guilt to me on the phone on XXXX XXXX, 2015. He told me to " take the loan or find someone else. I have also contacted XXXX of the situation and they are also conducting a similar investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower submitted several RMA packages to US Bank over the last year + and file continued to be closed due to timing out. He had to escalate to a local Branch Manager before the file was re-reviewed. No decision made on the file, other than incomplete package or documents timing out. After Borrower started working with me, his Housing Counselor, this issue continued with submission of package on XXXX/XXXX/2016. I have documented that a complete package was received by the Mortgage Assistance Point Team several times, but still the initial review has not been completed. After initial review by Processor, they requested missing items. However, after carefully reviewing individual pages with MAP Rep. on XXXX/XXXX/2016, there was no missing pages to bank statements and non-borrower contribution letter was complete with specified amount. File escalated internally, but did not result in review. As of XXXX/XXXX/2016, the Processing Dept. had not reviewed the file again. However, it was indicated they were running behind. On XXXX/XXXX/2016, the Processor closed the file due to aforementioned items not being cleared. I had to resubmit RMA and supporting documents on XXXX/XXXX/2016. Verified on XXXX/XXXX/2016 that file was open and under review. However, on XXXX/XXXX/2016, it was explained that the Processing Dept. has not yet reviewed the file. I again requested Escalation. As of today, XXXX/XXXX/2016. the file has not been reviewed by the Processing Dept. However, notes indicate an Escalation was put in on XXXX/XXXX/2016 and the Supervisor has been out of the office.

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 2016-07-16
Company: Bass & Associates, P.C., Attorneys at Law
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from Bass & Assoc. I had previously disputed this account with XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Bass & Assoc Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Bass & Assoc Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation