BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: NY
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:
this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
A LOAN WAS DONE XX/XX/2013, AND PAID XX/XX/2013 IN FULL. i WANTED TO PAY IN FULL AND CALLED TO MAKE THE PAYMENT OVER THE PHONE. i ASKED WHAT THE AMOUNT WAS IN FULL THAT NEEDED TO BE PAID. i PAID AND ASKED IF THIS WAS FINAL AND CLOSED. THE PERSON I SPOKE WITH SAID YES, PAID IN FULL. TODAY I RECEIVED A CALL FROM A COLLECTOR ON BEHALF OF ACE SAYING I OWE MONEY. {$880.00} PLUS LEGAL FEES????!!!!??? i PAID IN FULL WHY DO I OWE THEM MONEY, THE LADY I SPOKE WITH XXXX XXXX SAID WELL WHO EVER YOU SPOKE WITH WHEN YOU MADE THE PAYMENT DIDNT CLOSE THE ACCOUNT???? NOW THEY ARE SAYING YOU OWE THEM MONEY.???? wHAT DO I DO??? i HAVE THE BANK STATEMENT FOR THE AMOUNT I PAID. i WAS TOLD ON THE PHONE THAT PAYMENT WAS IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX charged my credit card a cancelation fee when I saw it on my bill I immediately challenged it. Twice. US Bank sent paper work for me to fill out and fax to them. Which I did and still have the confirmation page. US Bank then said I did n't send the paperwork back and I need to pay them. I have not paid them and it is only {$180.00} but they will ding my credit and I will continue to complain about them

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 2018-05-28
Company: EQUIFAX, INC.
State: NY
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:
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: MI
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:
Equifax removed my active credit card that is XXXX XXXXXXXX. Please repost my credit card and update the payment history. They kept reporting old balance. 

XXXX XXXX XXXX I was telling them to remove the inquiries not the credit card. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending.

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 2015-04-14
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. 
I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: U.S. BANCORP
State: ID
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:
My father passed away and US bank keeps calling me regarding his debt. They have called 10 times, and each time I inform them of my fathers passing, that there is not Estate, and please stop calling. They say that they will note his account and stop the calls but they are still calling, and it has been 5 months.

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 2016-01-16
Company: Fairway Collections, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Us Bank charged me fees for items that cleared my account with a positive balance. Then when I filed a complaint they threatened to shut my account down. They paid me XXXX of the fees back, but they still owe me XXXX of them.

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 2016-12-27
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Contacted USbank Employee Staff ; XXXX, XXXX/XXXX/XXXX because USbank website DOES N'T allow complaints. USbank denial & refusal to resolve ACCOUNT FRAUD & EMBEZZLEMENT of my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Called US Bank ; XXXX, Spoke to US Bank Employee ; MEAN/HATEFUL OLDER WOMEN, She was n't grossly incompetent, She was DELIBERATE in HER ACTIONS to SEIZE OVER {$150.00} ( One Hundred & Fifty Dollars ) of OVER-PAID CREDIT CARD PAYMENTS with False UnTrue Statements. 
US Bank Supported the Confiscation and Seizure my REFUND DENIED TO ME. 
US Bank Employee ; MEAN/HATEFUL OLD WOMEN, Disgruntle, Argumentative, Distorted the Facts, and made False Allegations ... She was Typical US BANK Bureaucrat. ( see attachment Letter )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Credit determination

Complaint:
I have had an credit card account with US Bank for a few years. I wanted to add my husband to the account as an authorized user.We filled the paperwork out two times at the branch. 
On or around XXXX XXXX, 2016 a representative from US Bank called to explain that we would have to reapply for a credit card with a joint account. I asked if it would hit my credit and said yes. I told them absolutely not and withdraw the application. Both my husband and I have fraud alerts on our credit files. Even though I told US Bank no, they ran both of our credit on XXXX XXXX 2016 through XXXX. I have called the bank and they told me I have to write a letter containing my account number to The credit bureau disputes address. We have been a victim of fraud and I will do no such thing. US Bank need to remove the unauthorized hard inquires from our credit reports.

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 2016-05-05
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the President of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OR XXXX. XXXX XXXX was abandoned by the owner and she stopped paying assessments to XXXX XXXX effective XXXX XXXX which now total almost {$10000.00}. The lender secured the unit and filed a Notice of Foreclosure on XXXX XXXX, XXXX but has failed to complete the foreclosure.

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 2015-05-01
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I get calls from Navient aka XXXX. Today XXXX/XXXX/2015 I have recieved XXXX calls from them demanding payment of a account I handle when I ask to speak with a supervisor its always a hassle. When I ask them not to call me after a certain time due to my work schedule i get told they will call me up to XXXX is there anything I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought couple of prepaid cards at XXXX in XXXX, TX around XX/XX/2015. When I checked the balance couple of days later I found unauthorized charges on these cards. Someone had called and registered those cards in their name and made few online purchases. 

I called issuing bank on XX/XX/2015, they said they will send an affidavit for me sign so they can start investigation. I was told the affidavit would arrive in XXXX days, but it never came. I called again on XX/XX/XXXX, they took a fresh complaint and said the affidavit would arrive in XXXX days. Again no affidavit. I called again and again and again ... .. Finally affidavit arrived on XX/XX/XXXX!. I filled and faxed it the same day. No response from them so far. 

My funds are stuck for XXXX days. BTW, the issuing bank is U.S. Bank and the card type is Master Card ( Gold colored ). This is what they told me : certain prepaid gift cards in similar situations would first refund the money to the consumer and then they do their investigation, but not with this card. So, stay away from these type of cards ( US Bank National Association issued Master Card gold colored prepaid card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 US Bank Home Mortgage received a check from me in the amount of {$99000.00} to pay off US Bank home loan # XXXX. Instead of immediately processing the payment and applying it to my account they sat on the check and it was applied to my account on XX/XX/2016. As a result they collected additional per diem interest from me in the amount of {$11.00} per day. I can understand it taking them 24-48 hours to process a payment but they allowed 4 business days to pass plus one weekend.

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