BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-08
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : Golden Valley Lending , Inc . 
XXXX, XXXX, CA XXXX Phone Number : XXXX Fax Number : XXXX Consumer : XXXX XXXX, MI XXXX Loan Type : Installment Loan Number : XXXX TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE FINANCE CHARGE AMOUNT FINANCED TOTAL PAYMENTS The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
760.6361 % {$1500.00} {$500.00} {$2000.00} Amount of Payments When Payments Are Due XXXX {$170.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$150.00} XX/XX/2017 XXXX {$140.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$120.00} XX/XX/2017 XXXX {$110.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$92.00} XX/XX/2017 XXXX {$85.00} XX/XX/2017 XXXX {$77.00} XX/XX/2017 XXXX {$70.00} XX/XX/2017 XXXX {$62.00} XX/XX/2017 XXXX {$55.00} XX/XX/2017 XXXX {$47.00} XX/XX/2017 XXXX {$40.00} XX/XX/2017 XXXX {$32.00} XX/XX/2017

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 2022-10-21
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice of debt collections from I.Q. International around XX/XX/2022. Showing that I owe The Original Creditor, XXXX at XXXX XXXX, {$3100.00} and intrest of {$440.00}. 
I was never informed about the interst till this notice came. 
The collection agency is saying I owe the total amount of {$3500.00}. 
Now I have to prove that I have already paid the XXXX. It is a good thing that I kept records, or I would have to pay this whole thing twice! 
Debt collections needs to be held accountable for their misleading correspondence. To many people end up falling into this debt trap. It is ridiculous that I have to prove what I have paid, when at least, the Original Creditor knew and has record of my payments. The collections agency should check beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My student loan have been reported on my XXXX, Experian, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.

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 2022-10-21
Company: EQUIFAX, INC.
State: GA
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX XXXX account number XXXX with balance of {$550.00}, Account Name XXXX XXXX account number XXXX with balance of {$1000.00}, Account Name XXXX account number XXXX with balance of $ XXXXhas 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 conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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 explanation
Consumer complaint received 2016-06-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We opened a Care Credit account when I had some major dental work done about 18 months ago. We have been making the payments every month - three weeks early. We get the statement online on the XXXX of the month and the payment is made by the XXXX and due on the XXXX. We do not receive paper statements nor have I ever received an actual card. When the online statement comes up on the screen, there are only XXXX options - pay minimum amount or pay amount in full. The minimum payment is filled in for us and there is no option to type another amount. At this point I was fairly certain most had been paid off. On the contrary - I am OVER my credit limit. I found this out today when I inquired about tacking on some extra onto the " card '' because my daughter needs her wisdom teeth taken out. After an hour of going round and round with them with their canned statements and them helping us navigate to a part of the site they said we should have been looking or just found on our own to see a myriad of bogus late charges that make no sense, we discontinued our conversation. So the only option with them is pay the minimum which automatically comes with late fees that increase your balance OR pay in full. They confirmed with us that that is their practice. So I guess the {$220.00} XXXX they had to pay out for Deceptive Marketing and the XXXX XXXX they paid in Care Credit Refunds just 18 months ago when they were " formerly known as GE Capital '' did not teach them a lesson. And the building similar complaints and even complaints now as Synchrony Bank are not deterring them from monster deception.

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 2022-10-21
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Check my credit report again after having reported to Barclays Bank an inquire on my credit by letter in XX/XX/2022, I have not applied for any credit with Barclays Bank, I am not aware of why this appears on my credit and even though I wrote to them in XX/XX/2022 they have not removed this request from my credit

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 2022-10-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been calling Caliber Home Loans numerous times since XXXX of this year, attempting to speak with a competent person that can explain why Caliber Home Loans took {$2000.00} out of my escrow account unexpectedly on XX/XX/2022. I have been calling to understand why this action took place and to ensure the money is promptly put back into my account. The money taken from Caliber is money I had added to my account of my own free will and for the purpose of lowering my mortgage payment each month. The money was taken out of my escrow account after I had paid the same amount ( {$2000.00} ) into the account XX/XX/2022. After numerous attempts calling and explaining this problem to Caliber 's customer service line, spending hours on the phone and speaking with multiple people in the Insurance Department, Escalation Department, and Customer Care Department, I have not had one person able to offer a solution. Each person I would speak to usually ended up telling me that I needed to speak with another department and/or that someone would reach out to me to help. During my last several attempts at calling Caliber Home Loans, I had been very explicit that I needed to speak with a " Level 3 Agent '', as it was explained to me by customer care that these agents are the highest level of management for customer service and that Level 3 Agents are qualified to help with a problem such as mine. Despite making several attempts to speak with Level 3 Agents on different days, each time it was explained to me that Level 3 Agents are not available and they would call me back within 72hrs. Since my last attempt on XX/XX/2022 I have not received a call, text, email, or any other form of communication from one individual at Caliber Home Loans since first reaching out with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sirs/madams : I am writing to ask if you can provide any help on my case. 

I am XXXX XXXX XXXX, residing at XXXX XXXX  XXXX, XXXX, GA XXXX. 

On XX/XX/XXXX, through the Seller 's closing attorney 's XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX, I bought my current house located XXXX XXXX XXXX XXXX, GA XXXX. The transaction was processed and completed by the closing attorney 's office. 

On XX/XX/XXXX, I received an email from the closing attorney 's office to inform that the Seller 's bank may foreclose on my house and asked me to call them. I then called them and they let us know that it was Wells Fargo 's mistake to wrongly calculate the Seller 's payoff balance short of {$6600.00} USD. On XX/XX/XXXX ( more than three weeks after the closing date of the house was XX/XX/XXXX, Wells Fargo sent a notice to the closing attorney 's office to inform that the payoff was short in the amount of {$6600.00} and asked the Seller to pay off. The problem is that the Seller ran away and could not be contacted after she got the money. The closing attorney 's office asked me to contact my title insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, if they could provide any assistance. After emailing back and XXXX, on XX/XX/XXXX, XXXX XXXX XXXX, Assistant Vice President/Southeast Region Claims Administrator, emailed me and confirmed that " my case is a covered matter under the terms of my Homeowner 's Policy of Title Insurance and agreed to pay the amount owed to Wells Fargo for release of their lien against the property ''. I thought the problem has been solved because I could not hear anything more from either the insurance company or the closing attorney 's office. Just late yesterday evening, XX/XX/XXXX, I received a Notice of Nonjudicial Foreclosure Sale of my house and asked to pay Wells Fargo an amount of {$140000.00} USD. The owed current amount is very large and not related to me while I paid off to buy the house legally. I also paid off all kinds of taxes related to the house to the government. It was Wells Fargo 's mistake but they now could not get back the owed amount from the Seller so they are claiming the problem on me and my house and threatening to foreclose. So, would you be able to provide me any help or advise in this case? I enclosed all relevant documents regarding the case for your reference. Your assistance would be greatly appreciated. 

Sincerely yours, 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 2021-01-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank has started altering the order of credits and debits to their advantage. In 2015 they on numerous occasions posted the debits first and then the credits which resulted I numerous {$36.00} overdraft fees. On XXXX occasion I withdrew {$500.00} in cash on a Saturday when my direct deposit showed as being available. I was then charged the {$36.00} overdraft fee. On Monday on their website the direct deposit showed it being credited on that Monday even though on Saturday it was shown as being available. I called the bank manager and his response was that the teller should not have given me the cash. However the teller had seen the same thing on her screen that Saturday and that being that the money was available. This occurred throughout 2015 until my account was so overdrawn due to the overdraft charges that US Bank had closed my account. The bank manager was less than cooperative in discussing this issue. And along with that they would post debits before credits which I have never seen this practice before. The bank manager response was that there was nothing illegal about that practice. So now my account is in the banks collection department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account Number # XXXX, Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2015-04-23
Company: Byrider Franchising, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/2015- validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACThere has been no response despite having sent the request to address on credit report and another address found on line.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently paid off my car loan on XXXX and have been contacting US bank every day to get the lien released. Every day I get a different answer, 7 - 10 days to process 4-5 days to process, I have been told 3 times the load was paid on the XXXX, until today which is XXXX and was told it was just processed today and another 7 - 10 days to process then mail to me. It is electronic and I have someone who wants to buy the car but ca n't until the lien is cancelled. I have been hung up on three times when asking to talk to a supervisor, or put on hold for a brief moment to check the status and 35 minutes later I hang up. I fulfilled my obligation and am getting frustrated about getting the clear title to my car. They only have XXXX customer service number so you have to go through the same log in each time. They have closed my account, which they did the same day the loan was paid, so I ca n't even go online to find out what is going on. They have no local banks so I ca n't go in person to speak to a banker.

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