BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
I called customer service on XXXX/XXXX/15 to report an unauthorized transaction to my permanent XXXX visa XXXX prepaid visa card. The transaction was for XXXX from XXXX. I WAS TOLD THAT I WAS CURRENTLY UNABLE TO DISPUTE THE TRANSACTION. THAT I WOULD NEED TO CONTACT THEM IN A WEEK OR SO ONCE THE TRANSACTION HAD CLEARED MY ACCOUNT. THEY ALSO SUGGESTED THAT I BLOCK MY CARD. I STATED THAT I NEEDED TO GO TO THE ATM MACHINE AND REMOVE MY MONEY AND THAT I WOULD CALL BACK ONCE I HAD DONE SO TO BLOCK THE CARD. I ARRIVED AT THE ATM MACHINE TO REMOVE MY FUNDS AND MY CARD HAD BEEN BLOCKED. I PLACED A SECOND CALL AND WAS INFORMED SORRY YOU HAVE NO MONEY WE WILL MAIL YOU A NEW CARD. SO NOT ONLY AM I NOT ABLE TO DISPUTE A FRAUDLENT TRANSACTION BUT I HAVE NO MONEY. I WAS INFORMED BY THE ESCALATION DESK TO GO TO A LOCAL CHURCH FOR MONEY OR FOOD AND TO PUT GAS IN MY CAR OR TO BARROW FROM A TRUSTED FRIEND, OR GO TO A CHECK CASHING PLACE. SO HOW CAN THEY BLOCK MY CARD FOR FRAUD IF THEY WONT ALLOW ME TO DISPUTE THE TRANSACTION TILL THE FRAUDULANT PEOPLE ALREADY HAVE MY MONEY. THEN THE FRAUD PROCESS TAKES 14 BUSINESS DAYS AND NO GUARENTEE THAT THEY WILL RULE IN MY FAVOR OR GIVE MY MONEY BACK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-03
Company: EOS Holdings, Inc.
State: CO
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 filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried multiple times calling and mailing transunion, XXXX and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.

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 2022-10-17
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 : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 with out my written instructions.

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 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Scottrade : On page XXXX of the attached draft letter, my son warned your compliance and security department that you were storing security questions in plain text and allowing them to be transmitted via plain text as well. 

I am writing today, considering the recent Scottrade data breach to seek clarification of what items were encrypted and what items were stored in plain text. 

For example, in Scottrade 's notice to security breach victims, Scottrade advised clients to take appropriate security measures such as changing passwords, however, there is no recommendation on changing secondary security questions. 

Because the secondary security questions were stored in plain text, I assume they have been breached, thus, I am curious as to why Scottrade has failed to advise customers to change these questions as well as take additional action such as getting a new account number.

Company response to consumer: Closed
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
My direct deposit has not posted and it was sent to Rushcard 3 days ago, my water has been turned off, my phone is going to be turned off, we have no food for the week end, I have XXXX children and a XXXX mother, Rush card system update was more of a Downgrade. 

I have no money and now everything is becoming late with additional late fees added.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.

Company response to consumer: Closed
Consumer complaint received 2017-03-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up for a {$400.00} checking account signon bonus in XX/XX/XXXX. As of XX/XX/XXXX I have yet to see the bonus credited. From day 1 I should have realized banking with Citibank was a mistake as they took forever to put in my initial deposit which was in the online application, but somehow overlooked. A trip to the branch could n't even get the initial deposit completed and I had to personally call their XXXX number to get it done. Citibank also had very poor handling of new accounts created online and never sent out any confirmation of account opening. Now come XX/XX/XXXX and I 've been patiently waiting for their bonus which they say they will credit, but they keep sending the issue to research and it is yet unresolved. First they say they do n't have a XXXX form, which I filled out within two weeks of opening the account and handed personally to an account representative at their local branch. That means their online banking entity is completely separate from their branches or their system is so poor that they are n't in sync. I mailed another form in and after calling them they confirmed that they received it but still waiting for that bonus to be funded. A week goes by and now it is high priority researching status again. My experience with you shows you are unprofessional, unreliable, have poor communication, inefficient, and not trustworthy to do business with. No way do I want my money in your bank. Citibank you have totally lost me as a future customer.

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 2015-04-27
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-24
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/2015, I had and unauthorized transaction debited from my account in the amount of {$190.00}. I called the merchant and they advised me that they did not see the transaction in their system. I disputed the transaction the same day Ticket # XXXX, on XXXX/XXXX/2015 I reached out to Rushcard and was advised that I would I to start the process over because they had system problems when I filed my original dispute. 

I again spoke with Rushcard the following week, and they advised my that they spoke with the merchant and was advised that they did not see the transaction in their system. The rushcard agent advised me that even after they spoke with the merchant and was advised that merchant did not see it in there system they still have to investigate the matter. 

I advised Rushcard that they have no right to withhold my funds after communication with the merchant collaborated my statement. 

Ruchcard is in violation of my consumer rights my not returning my funds after the dispute was collaborated by the merchant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX I activated my visa rush card. I was due for a payment from my employer on XXXX. I checked with my employer and they informed me that the money was sent to my account at XXXX night. When I called to check my balance on my rush card it says my card is inactive. I called the rush people and they explained to me that they were having computer issues and they would have my card active in XXXX hours and assured me my money would be there. Since then I have called everyday and I am not able to speak to a customer service rep my card is still inactive and I am unable to get my money. I was also promised an email and still have not heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My Complaint is in reference to elderly abuse and taking advantage of our situation. 
Ref : Wells Fargo Home Equity Loan My Father XXXX XXXX, passed away in XXXX  without having a will or any assets. He lived the last 10 years of his life with XXXX which got worse each year. My brother had made payments on this loan but had a major medical issue and with his additional medical bills he no longer could make payments. 

I have been requested by my family to work with Wells Fargo to get this resolved. Having worked with Wells Fargo, I have 3 major complaint items : 1 ) My father did not communicate well with the XXXX, and no one know about this loan. We wonder if this is a loan created by a Wells Fargo employee without my fathers approval or knowledge. 
2 ) If he did apply for this loan why wasnt multiple red flags set for Wells Fargo. Why would a 30-year mortgage be giving to a XXXX plus year old man? He would have to live into his XXXX to repay this loan. Why was a co-signer not requested as a condition of the approval process. Since most people do not live into their XXXX this was an unreasonable expectation. 
3 ) My siblings and I negotiated in good faith with Wells Fargo but Wells Fargo did not. We offered a XXXX settlement Wells Fargo counter offer the full balance of the loan. We offered a XXXX settlement Wells Fargo counter offer the balance in full. No movement at all from Wells Fargo, this is not good faith negotiation. 
I explained that my brother who is a veteran on XXXX lives in the house and taking it away from him is totally unacceptable. Wells Fargo clearly communicated that they only care about the numbers and since the house appraised for $ XXXX they want us to sell and give them the full balance. This is not possible and not a fair way to treat a family. Wells Fargo said the only thing that we can do is a loan modification to lower the payments on a loan that was acquired using very bad business practices. 

Please help me to resolve this issue. Thanks so much!!

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: Exeter Finance Corp.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car loan financed with Exeter bank. On XXXX XXXX 2015 the car was totaled. The insurance company and Gap paid the car off. Exeter bank has been reporting that my account is late from XXXX to XXXX. I have been trying to resolve this issue since XXXX. They are reporting the deficiency balance which they can not collect in the state of New York along with interest and XX/XX/XXXX payment which was due at the time the car was totaled however, the insurance check from XXXX paid for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX  continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at

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 2022-10-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at

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 2022-10-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX to dispute the debt only to get cussed at

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Apparently US Bank issued an escrow refund check on XXXX XXXX to an old address which I have not lived in since XXXX XXXX. I have been receiving and paying all mortgage bills from my current address since this company took over the mortgage. 

I never received the {$2000.00} refund and now they want to charge me an additional {$15.00} for them to send a new check to the correct address, the address I have been at for over a year. Also they have never noted anywhere on any bill or statement about the fact that I had a credit of {$2000.00}. 

Whenever I call I get stuck on hold for over an hour, and all they do is give me the run around. They have earned interest on this money, yet want to charge me more to re-issue this check. 

My mortgage Account number is 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 2016-07-12
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: ACS Education Services
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ACS is incorrectly reporting XXXX late payments on my credit report when my account was supposed to be in deferment or forebarance. I have asked them to provided proof of the late payments and they have failed to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation