BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out this morning that a trusted friend has split my income tax refund and have half sent to a US Bank XXXX account ending in XXXX. The IRS has requested a paper check but due to the refund being sent by direct deposit on XX/XX/22, they can not guarantee that it can be cancelled. I contacted US Bank to find out why are they accepting refunds if the person 's name is not on the account. I have been told they do not do a name check. US Bank unethical practice is why this person chose this bank. The IRS site stated that if the name does not match, it should be rejected but US shady business practices is enabling these fraudsters to defraud US taxpayers out of their hard earn money!

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 2015-06-08
Company: U.S. BANCORP
State: ID
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a credit card issued by my credit union. Since the credit limit was so small, i almost never used it and it was sitting in my safe for a year. I was checking my credit scores online and noticed I had a missed payment on this card so I tried to go online and see what it was, since I had n't used the card. My online account was locked out because by this time I was in collections. At least this is the reason i eventually got. I made several calls trying to clear this up and it went into a fraud investigation. By the time they did anything about the fraud charge, now i have XXXX missed payments on my credit report. I called a XXXX times and sent a dispute letter to try and fix this problem, to no avail. The response I got back was that the account is not reporting, but when I look on XXXX, there it is. The last call I made to them got the usual transfer around and then to a voicemail box I have n't heard back from. This it typical, usually i finally either get lied to that it is fixed or transferred and hung up on. I got the card through XXXX XXXX XXXX XXXX, it is serviced by XXXX XXXX XXXX, which I think is part of US Bank. If I had known the credit union was n't servicing the account and would n't help me with any problems, I would never had accepted it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Barclaycard contacted me in XX/XX/XXXX and asked if the charges on my account were authorized by me and I said no they were n't. They issued me a new cards and said that they would credit my account the {$210.00} that was unauthorized. I have contacted them on five separate occasions and they still have not credited back my credit card nor have they sent me any correspondence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was misled on this card. I was originally told by the rep at the XXXX XXXX location of Gap, XXXX XXXX XXXX Ph # XXXX that there would be no charge on this account and that I was simply just signing up to get a discount. After I realized this was n't the case I called Gap and they submitted an official complaint and I was told that I would hear something from them. I never heard from them. " XXXX '' gave me confirmation # XXXX. When I tried to call back, they had no clue what I was talking about. I talked to " XXXX '' she was not aware what I was referring to. After I spoke to the supervisor they explained that there was a dispute but they could n't answer anything for me. I asked if they could transfer me directly to XXXX but they said they did n't know then and the confirm # was not going to help. They transferred me to another Customer Service rep who was transferring me to a supervisor. I waited for around 20 minutes and then was handed to supervisor " XXXX '' ( XXXX ) who said the dispute was not in my favor. I asked why the dispute was not in my favor and he said he did n't no. 

Also, I did receive the card, but I never got anything in the mail from them after that. No bills, no late notices, nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted disputes multiple times in regards to BANKRUPTCY CHAPTER XXXX DISMISSED reporting on my credit report. XXXX and Experian continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does XXXX and Experian verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the XXXX and Experian continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. XXXX and Experian must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and the FCRA.

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 2015-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EQUIFAX HAD REMOVED THE XXXX WEB BANK BECAUSE I HAD SENT IN PROOF THAT THIS ITEM WAS TO BE REMOVED ONE I PAID IT. BUT THEY TOOK IT OFF THEN PUT IT BACK ON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a charge off account with this company that is reporting on my credit file there company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the following fraudulent accounts multiple times, yet they are still illegally being reported on my consumer report. This is my final attempt before filing a lawsuit.

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 2016-03-15
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Schachter Portnoy, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ADIR INTERNATIONAL LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I noticed there was an account on my credit report that had missed payments. I did not open this account. I called XXXX and opened up a dispute stating that this debt is not mine because I did not open the account. The account was under a company called CURACAO, which I have never shopped with before. 

I have never opened a line of credit with CURACAO. After submitting my dispute with CURACAO, I called the company to see if they could assist. They were unable to locate any account associated with my name or address. This was alarming given that the account was still filed under my identity. 

The credit report only gave me a partial account number which CURACAO said was not enough to pull up any information regarding the late account. CURACAO stated they would send me a packet of information to fill out and return to them to assist, but they never did. 

Two weeks later, XXXX updated the dispute and stated the account was mine ( as stated by CURACAO ), and dropped my credit score due to late payments. I called XXXX back regarding the dispute, and they stated that I didn't identify the account as identity theft, stating that I only mentioned the account wasn't mine. XXXX advised me to register a report with the FTC regarding identity theft. 

XXXX also stated that there were two accounts opened with CURACAO under my name. They stated one was in good standing, and that the other one listed late payments. Neither of these accounts are mine. I have never opened an account under CURACAO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I fell on hard times when unauthorized charges were debited from my checking account. In XXXX 2015, I started with working with a debt Management company XXXX in order to contact my creditors and make settlements/payment arrangements. XXXX contacted XXXX XXXX many times and was not successful until the debt was sold to XXXX XXXX XXXX. XXXX XXXX forced me to work with this company and I now have multiple negative reports on my credit report for these XXXX credit cards- XXXX and XXXX. I want these negative reports removed from my credit report - all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. 

We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. 

Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. 

I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. 

XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. 

XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. 

Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. 

This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. 

I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a charge off account with this company that is reporting on my credit file there company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from PROFESSIONAL DEBT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROFESSIONAL DEBT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
U.S. Bank paid out of an escrow account for Loan # ending in XXXX for a property insurance policy other than the property assigned to this loan. When the error was brought to U.S. Bank 's attention they not only refused to correct the error, they refused to discuss the matter with me, the account holder, and insisted on discussing it with only my insurance agent. The matter was never corrected. U.S. Bank refused to accept the loss due to their negligence and have withheld the money paid out in error from the loan pay off on XXXX XXXX, XXXX. I understand the law requires reserves and accounting for the escrow fees within the monthly mortgage payment. This is not the issue here. The problem is that U.S. Bank, through their own incompetence created the shortage in the escrow account and refused to correct the problem. Instead they merely demanded that I, the mortgage holder, make up the shortage they created by carelessness in their accounting. This is a habit of U.S. Bank. I closed my checking accounts with them due to their processing debits from another person 's account through my account instead and denied this to be fraud. They have made up fees and charged my account for items I did not purchase because they chose to without cause or reason. They have withheld funds illegally claiming their accounting allowed this. The most recent was at payoff of this loan on XXXX XXXX, XXXX. The account was paid up for XX/XX/XXXX including the mortgage insurance of {$51.00} for XXXX XXXX. However, U.S. Bank held the funds for the mortgage insurance for XXXX XXXX, XXXX XXXX and XXXX XXXX, as well as the escrow shortage from their admitted disbursement error. 
I am appealing to this board to investigate U.S. Bank 's form of accounting, correct same and return my funds of {$710.00} for the property insurance policy paid in error and the {$100.00} in mortgage insurance and the {$230.00} in the escrow impound that should be returned to me from closed escrow account since loan is now paid off. The total U.S. Bank owed me is {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Multiple charges were incorrectly debited from my account due to merchant error. I disputed the ones I could not resolve on my own and resolved the rest with the merchant. These charges resulted in overdraft fees. US Bank informed me that I would not need to dispute the charge to get the overdraft fees refunded if I resolved the issue on my own. US Bank has only issued a refund of only some of the charges and I have been trying for the past two months to resolve the rest with no luck. Every department/group believes it is someone else 's responsibility or a customer service rep will inform me that refunds are being processed only to find out this is not true. I can count at least XXXX separate phone calls from me to US Bank trying to resolve this. 

US Bank does not provide statements that show an accurate or reliable way to account for overdrafts due to " holds '' or debits. This is also causes the consumer to not get an accurate understanding of the account.

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 2020-08-05
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Friday XX/XX/XXXX I cashed out {$500.00} and {$100.00} through cash app. I got the {$100.00} deposited on Tuesday morning but the {$500.00} is still missing and its now Wednesday morning. Ive tried contacting the cash app through email and both of their XXXX   accounts and Ive gotten no response.

Company response to consumer: Closed with explanation