BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
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 to The Fair Credit Reporting Act 15U.S.C.1681s-2 ( A ) ( 1 ) your company, Chexsystem, is reporting inaccurate information on my consumer report.The account listed on my consumer file with my consumer id XXXX on XX/XX/2022 must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 explanation
Consumer complaint received 2016-04-05
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK. 
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX

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 2016-12-07
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
At first we were thinking of refinancing our home, but then read about this other option of recasting ( or re-amortizing ) the existing loan with US Bank. The process was straightforward ; we just needed to pay at least 10 percent of the existing loan plus a {$250.00} fee and the bank would reamortize the loan with lower monthly payments. I called the bank to make sure of this and was given an estimated new monthly mortgage payment of approximately {$550.00} per month less that we pay now. We sent the money with the notarized form plus the {$250.00} fee, and I noticed online that the balance of the loan had dropped as expected, but I had received no information as to the new monthly payment amount. I sent a request to the bank through their online messaging system, but received no reply after several days, so I followed up with two more requests. Still nothing. I finally called them last Saturday, to speak to their customer representative, and he told me two strange things ( 1 ) my escrow account was deficient $ XXXX dollars, ( 2 ) and then he read me my new re-amortized payment amount which was XXXX dollars per month lower. My calculations showed this new amount should be approximately {$550.00} lower, which was the reason I embarked on the recast process in the first place. Also I have received nothing in writing ever on this escrow shortfall. I am very worried.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During the CFPB investigation ( XXXX ) Midland Credit Management Inc. / Midland Funding LLC ; Admits the alleged debt they reported on my credit report and attempted to collect ( post ) XXXX/XXXX/2013 ; The date they claim it was sold to XXXX XXXX. Proving they had to right to report or attempt to collect the alleged debt they did not own. They need to remove that alleged debt from my credit report ( s ). Or if XXXX XXXX is a subsidiary of Midland Credit Management Inc. they need to provide the legal documentation they ( own ) the alleged date ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I was pulled off of the XXXX XXXX XXXX, by a XXXX XXXX when my complaint became personal to the board. I have spoken to the CF.P.B. ( # XXXX ) on the XXXX day of XX/XX/XXXX ( start of this case ). I have been abused, financial, by the XXXX XXXX because of my complaints with the F.t.c. I recently found out about a XXXX XXXX called the XXXX XXXX using my name spitefully because of the XXXX XXXX Crash. Let me start by explaining my previous issue with my first Credit Card of XXXX   XXXX, during the XXXX XXXX conspiracy act. My financial problems started with the abuse I sustained while doing business with The XXXX XXXX Credit Card. They were the first to take advantage of me with a false charge of a tobacco sale from XXXX XXXX and a Ferry Ride from XXXX to XXXX. I was told the XXXX XXXX President was responsible for these false charges, while I was helping the F.b.i. stop a child XXXX XXXX traffic problem in the system. I was XXXX XXXX, during the time of my working years, and was told to file XXXX 's XXXX, while arguing my case with the Office of Personal Management. After explaining my case to the Office of Inspector General, the  previous President Obama, left office with a promise of a back-drawn paycheck due in XX/XX/XXXX. The new President Trump, recently claimed he was going to pay me my back pay, and also pay off my complete Chase Credit Card Bill. President Trump is aware of the abuse I sustained determining the correct qualities of my work load, while the banking system disrupted my self worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: U.S. BANCORP
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My son and I are trying to purchase a home in XXXX, XXXX through US Bank. 
OUTSTANDING JUDGMENT During the loan approval process I was informed of an outstanding judgment of {$1500.00} by XXXX ( initiated on XX/XX/XXXX ) in Maryland. I provided a copy of the check ( XXXX ) in the amount of {$3100.00} and the XXXX certified receipt showing receipt of the check by XXXX on XX/XX/XXXX. The total amount included both mine and my ex-husband 's share total payment. My ex-husband refused to pay his share of the judgment, so I paid the entire amount. However, my portion of the judgment was not credited and the lien remains. I conjecture one of two things happened : ( 1 ) XXXX never notified the State of MD of the payment or ( 2 ) The State of Maryland did not process my share of the payment to the claim against me. The loan is being denied until I can resolve the matter. I have contacted the Circuit Court of Maryland for XXXX and the State Ombudsman, but have had no response. 
REQUEST FOR FINANCIAL INFORMATION ON EX-HUSBAND During the course of the application process, US Bank ( the loan originator ) has requested addition information about me and my financial situation. The last request required me to provide information on my ex-husband 's current financial situation. I have no information on his truck loan at XXXX, his credit card purchases, his personal loans, etc. The divorce was final on XX/XX/XXXX, property was divided, and neither I nor my ex-husband were responsible for each other 's debts or had access to each other 's assets. 
I fail to see the need for this information. My ex-husband is not involved in the home purchase ; the co-owner of the property is my son. My ex-husband has not provided funds for the earnest money, inspection, or any associated fees. He will not be responsible for the down payment, taxes, insurance, or monthly payments on the property. He will not be responsible for property maintenance. 
I see this requirement for financial information on my ex-husband as either obstruction to prevent loan closure or harassment. I increasingly believe my age ( I am XXXX years old ) is behind a large part of this nonsense. My only other understanding of this latter request is incompetence on the part of the credit agency employed by US 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 2016-05-03
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Date XXXX/XXXX/2016 their was a withdrawals in the amount {$890.00} from my account this withdrawal was a fraud. their was maintenance fee and overdraft and extended overdraft and withdrawal I did n't make. this have ben going on for the history of my account. 
debit and overdraft fee someone in this bank is fraud and take money from my account. 
I would like to know how can be.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 eleve mane information is inaccurate.

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 2021-09-01
Company: EQUIFAX, INC.
State: TX
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 have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX XXXX which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-14
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently was the victim of identity theft and had over XXXX XXXX dollars charged to my U.S. Bank credit card. My bank removed all of the fraudulent charges and issued me new card. Now I see on my statement that they have reinstated XXXX fraudulent charge for {$2400.00} ( see attached ) I called card company at XXXX with my XXXX to ascertain what happened. First spoke to XXXX who was rude and not helpful, finally was transferred to fraud dept. Lady we spoke to would not give her name or agent i.d . and finally put us on hold and hung up on us. The fraudulent charge of {$2400.00} took place in XXXX 2015 in XXXX 2015 I was charged nearly {$20000.00} by XXXX XXXX for a host of products that were shipped in my name to Florida. When I notified my card issuer they immediately removed the fraudulent charges and issued me a new card. Now they have put the {$2400.00} fraudulent charge back on my account from XXXX another Florida company and as far as I know part of the same scam. I did NOT at any time authorize the listed charge and by bank knows this. I want U.S. Bank to know that I want to file for arbitration or will seek my own legal remedy if they do not make my account whole. That was what I was trying to state when I called in but never got the opportunity due to the unprofessional and rude agents I had to deal with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: U.S. BANCORP
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I returned my leased vehicle on time to Same XXXX dealership and they did not report it to the leasing company. I have proper documentation.

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 2016-02-10
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. 

I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. 

Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. 

A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. 

Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Failure to provide the address to which written disputes regarding underlying validity of the debt must be transmitted. Failure to provide accurate information regarding to which federal agency complaints could be lodged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Rewards

Complaint:
In XXXX I applied for the XXXX XXXX Premier Rewards Visa Signature Card and was approved for the lesser card ( XXXX XXXX Rewards Visa Platinum Card ). Most of the benefits were the same for both cards including the " Bonus Night Award Benefit '' which entitled you to the last night free on any award stay. Below all the benefits on the application page for the Platinum card it stated " Enjoy all of these benefits for {$50.00} Annual Fee ''. 

Less than XXXX weeks after being approved for the card, I received an email saying effective XXXX XXXX the " Bonus Night Award Benefit '' was going away permanently. I feel like this was a bait and switch scenario. They also did not change the language on the application page for at least a week after announcing this benefit loss. I signed up for the cards under certain terms and now they are changing. I would not have taken the inquiry hit had I known this benefit was going to be taken away. 

To make matters worse, I just read effective XXXX XXXX, there will be XXXX hotels changing award categories, with XXXX hotels moving up and only XXXX moving down. There are XXXX hotels going from either a category XXXX or XXXX to the top category XXXX requiring at least XXXX additional points for an award stay. 

I was not happy about these changes so I contacted U.S. Bank about having my annual fee refunded. They declined the refund and gave me XXXX points for my trouble. I do not feel this is sufficient for such a major benefit loss to their program. This credit card is significantly weaker than it was just 5 weeks ago and I absolutely would not have applied under these new terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief