BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I set up a checking account with US Bank on Saturday XX/XX/2016 in XXXX, KY. The bank was offering a promotional bonus at the time for new checking account customers and US bank credit card holders. So I close both of my local bank accounts that I have been a customer with for years to open my new accounts with US bank. The option I chose was setting up a checking account that had a {$150.00} bonus and also opened a credit card which was an additional {$50.00} bonus. When I set up the account at the branch the banker specifically informed me that I would receive this bonus within 60 days of setting up the account but at the very latest, 9 weeks from first direct deposit date. It sounded appealing to me. I made sure to meet all requirements for bonus and set up my direct deposit with my employer. It is now 4 months later and I still have n't received my bonus for setting up the account. Totally unacceptable. I have spoke with numerous customer service reps and the branch manager several times over the last couple months and the only thing they tell me is that my bonus is being processed. Also unacceptable. What drew the line today is that I called the branch manager again today and she said she contacted the promotions department and that they were several weeks backed up on promotions that it could be even longer of a wait, possibly XX/XX/XXXX or XX/XX/XXXX. Again ... .. Completely unacceptable. I also called the US Bank customer service number and spoke with a VERY rude female representative who would not transfer me to promotions or would n't let me speak to her direct supervisor. I 'm extremely frustrated with US Bank and would NEVER recommend them to a friend or family. It 's not necessarily the whopping {$200.00} bonus that has me frustrated, it 's the fact that the bank promised a new customer something that I do n't seem to be receiving. If you want me to change my accounts and join you for {$200.00} I 'm in, but I expect to receive my money. I have met my requirements and have waited WAY past projected date and I should receive it now. If I do n't receive it this week, I will close both accounts with US bank and reopen accounts with my old local bank.

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 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened up an accounts with Bank of America well over 35 years ago. There were no monthly fees to be debited against my account. After I turned XXXX, they made a notice on the accounts that were to be " senior '' accounts, with same terms and conditions ( no charges ) Now, they are charging me fees. 
I called the bank at XXXX employee could not help and asked for her supervisor XXXX who in turn informed me that the bank had placed a minimum of {$1500.00} as a balance to avoid charges on all the accounts. 
I do believe these are unfair practices.

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 2015-05-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Wellsfargo has denied my request to defer my loan. They will not work with me or give me a forbearance through my struggling times. Instead after my request they sent me a letter to let me know my monthly payment has increased. I will no longer pay wellsfargo until this matter is resolved and they remove the late payments from my credit file. This is my XXXX time reporting them to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/23 I called Bank of America ( BOA ) as I was trying to set up AutoPay on BOA 's website. It listed in the About Amounts that Fixed Amount could be used. As I clicked the drop down, the Fixed Amount option was not made available. They only gave two options in which BOA is determining the amount paid back. As I called in to better understand why the option is listed on the BOA website but is not made available. I was told it was taken away last year. I explained that the financial institution ( BOA ) does not have the ability to determine the amount paid back within an AutoPay system unless a lien is held against that consumer. The woman on the phone kept deliberately calling me the wrong name and telling me they no longer offer that option despite it being listed on BOA 's website and then hung up on me. Why does a financial Institution get to determine or limit my options as a consumer as to how much I want to pay back my credit card within an AutoPay system?

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 2015-10-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern, I am writing to several agencies because I am not exactly sure which one is the most appropriate for this complaint. 
My mortgage loan was recently ( XXXX/XXXX/15 ) sold by XXXX to a collection agency called Carrington. I never missed a payment nor was late with a payment. I do understand that, under the terms of the loan, XXXX may sell my loan servicing to other entities. I also expect however, that whichever entity they sell it to would be able to service it adequately and legally, and follow the terms of the loan. Carrington appears to be unable to do so. 
I attempted to make an additional principal payment during my first online session and was informed that I could not do so. I was informed that the maximum payment I was allowed to make was the minimum payment I had to make ( see attachment ). I do not believe this is legal, ethical, nor within the terms of the loan agreement. 
When I complained to XXXX with the following message, '' Date : XXXX XXXXXXXXTo : XXXX XXXX XXXXSubject : XXXX You sold my mortgage loan to Carrington vultures. I tried making an online payment, adding an additional principal payment. Even though it is an option on their online form, they would not allow it. What kind of cheap, XXXX XXXX are you selling citizens loans to? I have never missed a payment nor been late with a payment and you sold my mortgage to an unscrupulous collection agency. I will be reporting them and you to the appropriate regulatory agencies. " XXXX responded that I should call Carrington and make the extra principal payment over the phone. 
Yes, I could call Carrington. In fact, just a short while ago today Carrington called me ( I refused to talk with them ), probably in response to a message I left them informing them I was making this complaint. And yes, I could probably call and make the extra principal payment over the phone, as XXXX suggested. But what about all the other people who will have to deal with this collection agency and not know their rights or maybe do not understand the terms of their loan? What if they believe the message that their minimum payment is their maximum allowable payment? I believe that the Carrington collection agency should be investigated and persuaded to change their website online access to give accurate and legal information to the people unlucky enough to have them collecting their loans. 
I understand why XXXX has to sell the loans ; competent financial managers are hard to find and XXXX is probably in need of fast cash to shore up some bad investment choices, but they should still take the time to vet the collection agencies to whom they sell their loans to ensure a consistent quality of service for their previous customers. Would n't you agree? 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this is the worst company to deal with. customer service is awful. i ca n't get ahold of anyone. the website is so incredibly bad that you ca n't pay a bill. so the only way to make sure you pay on time is to pay by phone for a ridiculous pay-by-phone service charge. they are the bottom feeders of the mortgage world. this is my mortgage, and i ' the one paying back a quarter of a million dollars and i can not deal with the company i 'm giving my money to. i believe i should have some say in where my mortgage goes and who is handling it. Based on EVERY review i can online says this company is evil. someone should take a look.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited a check into my BBVACompass account on XXXX/XXXX/16 in order to ensure that there were enough funds in the account to cover all outstanding charges. the check was in the amount of {$20.00} and was processed and paid by XXXX XXXX XXXX bank on the same day. BBVACompass put a 3 day hold on the check even though it had already been paid by XXXX. The end result was that BBVACompass charged an NSF fee of {$38.00} when in actually there should have been sufficient funds in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: MN
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 Fair Credit Reporting act XXXX  DEPT OF EDUCATION/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I had an outstanding balance with XXXX ( XXXX XXXX in Virginia ). I get XXXX notification from the debt collection agency ( NCC ) with the indication of having a lien on my bank account, which took place today XXXX/XXXX/15. I believe that they have no right to garnish or freeze my acct. The following is what I read on my attorney general 's website. 
" When Can a Creditor Garnish Your Wages in Virginia? 
Most creditors can not get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor 's bill, those creditors can not garnish your wages ( unless they sue you and get a judgment ). 
There are some exceptions to this rule. Your wages can be garnished without a court judgment for : unpaid income taxescourt ordered child supportchild support arrears, anddefaulted student loans. " No court order was issued, only XXXX notification received and it does n't seem right that they processed this in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Initially, I had a {$10000.00} credit line, which Juniper/Barclays kept raising due to my excellent credit history. At the time, my credit score was much lower. In the past 18 months, my credit score has gone up to over XXXX, and was XXXX, and yet, Juniper ( barclay ) Credit card has lowered my credit limit from {$10000.00} to {$8400.00}, and now it stands at {$4400.00}. I mean, I have not been late and have an excellent payment history with them and all other creditors on file in with the credit bureau. 
First, they had mentioned something about me having outstanding loans. Well, I paid the personal loan off a little earlier and my car will be paid off in 15 months. Despite this, they see fit to keep reducing my credit line. 
Personally, I feel it is discrimination. I had talked with them about a year ago, or so when they reduced my credit line to {$8400.00} ( from {$10000.00} ). I spoke with a XXXX  lady on the phone who was very rude and mean at the time. 
Reducing someone 's credit line, which puts them close to their limit is derogatory and goes against my credit score. So far they have reduced it by - {$5600.00}, I do not feel this is ethical, but discriminatory. Thanks for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: CA
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:
Two days a go I received in t he U.S. ma il my " Experian '' credit report dated "  XXXX   XXXX    XXXX  . On " Pa ge 31 of 36 '' under th e section entitled " Record of Requests for Your Credit History, '' it notes that "   XXXX   XXXX   '' unlawfully accessed my " Experian '' credit report on "  XXXX   XXXX ,   XXXX  . '' This is NOT mine. I am a Victim of Identity Theft.

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 2023-08-10
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a private student loan in XXXX. I have continuously paid even while in school. The interest rate has been going up in a manner that benefits the lender. By the time I pay off, I will have paid the loan twice. I believe this is a predatory scheme and I need to know if something can be done. 

I have saved PDF files of the loan and the interest rate if you should need them. 

I spoke to a representative of the company but they tell me I will be out of the loan in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good Afternoon, I had filed a fraud claim with Navy Federal Credit Union for transaction on XX/XX/23 for {$340.00} with XXXX. We had reserved the vehicle picked it up XXXX, VA, however due to MAJOR issue with the vehicle that jeopardies the safety of my family we had to change while driving in XXXX, KY. When we arrived to KY airport they gave us way smaller vehicle. I had provided all document to navy federal the report that was made all the paperwork receipt agreement and they did nothing. No proof of attempt to collect the amount, charge back request nothing all I got was we are sorry. As a consumer they did not provide any protection or even assistance. I had called NFCU several times to asked if there is any addition docs need and they and they stated all is good, until it was not and said that they are unable to assist and the claim is decline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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:
XXXX, Equifax, and XXXX - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.

Company response to consumer: Closed with explanation