BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new CITIGOLD account on XXXX XXXX, 2016 that offered a {$500.00} bonus for " an eligible deposit of {$50000.00} or more into a new checking or new savings plus account. '' The only other requirement was to maintain a balance of {$5000.00} or more " for the next 30 days. '' Today is XXXX XXXX and I have made numerous calls to customer service and the bank branch ; there issued a number for an investigation ( XXXX ) on XXXX XXXX, and still no call or contact. It certainly defeats the marketing concept!!! What can I do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX My mortgage company advised me of a payment increase due to escrow. My previous homeowners insurance was nearly {$2500.00} per year. I refused to renew with XXXX XXXX and looked for another carrier. I received a new policy with XXXX XXXX which was approx {$950.00} per year. I contacted US Bank and advised the escrow department and asked for a updated escrow analysis and payment adjustment. I followed up and spoke to an individual who indicated that I should pay {$1100.00} per month going forward. Starting in XXXX I started to submit payments in the amount of {$1100.00} as instructed starting in XXXX. However the bank continued to reflect the amount due as {$1300.00}. Full payments were not applied since I was submitting {$1100.00}. I was advised that there was a payment that was made in XXXX which applied to XXXX, which the bank is saying they never received and then two payments were posted on XXXX XXXX, XXXX. I am active Bankruptcy and today received a motion for relief based on a affidavit signed by bank personal that as of XXXX/XXXX/XXXX my account was delinquent as I missed three post petition payments they claimed. How can payments be received on the same and an employee sign an affidavit they have not received them. This is a false affidavit to the court. Furthermore the Attorney Firm contracted by the court, failed to validate the affidavit information when submitting the petition to the court on XXXX/XXXX/XXXX over a week since payments posted to the account. I will be vigorously defending this petition in the Bankruptcy Court but believe that these practices by US BANK NA be fully investigated so that they are not able to victimize any other borrowers.

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 2022-05-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2022-05-25
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have sent American Express three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) in which I disputed two accounts ( Account number XXXX, Charge-off Balance {$2000.00} and Account number XXXX, Charge-off Balance {$2300.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached is my current ( XX/XX/XXXX ) XXXX credit reports of the American Express accounts. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I received a targeted credit card offer in the mail from US Bank. The offer was to apply for and receive the US Bank XXXX XXXX card and spend {$4500.00} in the first 90 days and earn {$500.00} cash back sign up bonus. The card also earns a minimum 1 % cash back on all purchases. I was approved for the card and received it the first week of XXXX. I completed the {$4500.00} spend requirement the first week of XXXX. In XXXX I called customer service and they stated I had completed the requirements and would receive the {$500.00} shortly. In XXXX I still had not received the {$500.00}, so I called customer service again. The agent did not know why I did n't receive the {$500.00} bonus and submitted a request for me to receive the bonus. In mid XXXX I received a letter from US Bank stating that the account did n't qualify for the bonus rewards as the charges needed to be done only by the authorized officer and not by any employees. This requirement is not stated in the targeted offer I had received from them. The offer states {$500.00} cash back will be paid after {$4500.00} in net purchases are made on your account. XXXX my card and my husbands employee card are part of the master account and ALL charges post to the master account. The offer did n't specify that I had to make all charges on my specific card as both cards charges hit the master account. I did receive 1 % cash back on all charges from both cards, so it does n't even make sense they would invoke this requirement for the {$500.00} bonus without specifying it in the offer. It is my belief that US Bank is trying to cheat me out of the {$500.00} bonus after luring me to apply for the card. There is a vague statement in the offer that says spend on multiple cards ca n't be combined to meet the spend requirement and each US Bank card meeting the requirement will earn the bonus. To me this meant that if a person has multiple master accounts that you can not combine them. Please contact US Bank and have them pay me the {$500.00} sign up bonus.

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 2017-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Sent a written request to experian Experian responded stating- we will not reinvestigate the items you requested

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 2022-05-25
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:
i have asked numerous times for a signed contract of this account. i have no knowledge of this account and did not open it with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over a year after the birth of my first child my family received a notice to pay an unpaid bill in her name for {$300.00} from a collection agency. We requested that an itemized bill be sent to explain the debt since we had never before had notice it was owed. Now it's two years later and we have yet to receive an explanation or itemized bill, but are still receiving periodic attempts to collect on this debt from Sequium Asset Solutions. Several months ago I called and complained to them and made clear that I'd file a complaint if contacted again without receiving the itemized bill. Earlier this week they again sent a collection notice via mail. 

Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My bank, Union Bank was supposed to have paid a check in the amount of {$710.00} in XXXX to First Bankcard, my credit card company which will be taken over by Union Bank in about a month. I had to open a new checking account because I was burglarized and my checking information may have been compromised. Union Bank did not honor the check. I made a second payment via phone to First Bankcard in the amount of {$720.00} on XXXX XXXX, that included a {$10.00} service fee. I received a letter from Union Bank on XXXX XXXX stating that my check did not go through again. I paid {$890.00} on XXXX XXXX ( {$710.00} plus {$160.00} for the second month 's bill and another {$10.00} service fee ). 
My Union Bank statement shows that on XXXX XXXX, {$720.00} was taken out and on XXXX XXXX, {$890.00} was taken out. In essence I paid twice for the {$710.00} bill from First Bankcard. When ever I call First Bankcard, I am told that they show a credit on their end but can not tell me why I do n't see one on my statement. The assistant manager at Union Bank who was supposedly working on resolving this issue is not responding to my email or phone calls. She was the one who made the mistake of not honoring my check when I requested it twice, in person at the bank branch and later that day, in an e-mail on XXXX XXXX. 
First Bankcard states that I may or may not see a credit in 5-7 days. I spent over 2 hours on the phone with both supervisors from First Bankcard and Union Bank and no one has resolved my issue. I would like to be credited the overpayment from First Bankcard.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
" ELAN FINANCIAL '' FILED A " FALSE " ; FALSE! POSTING ON MY ACCOUNT THAT IT WAS NOT ONLY CLOSED, BUT MY REVOLVING BALANCE TO BUILD MY " CREDIT HEALTH '' WAS ZEROED OUT ALONG WITH AN UNPAID STATUS. 

THIS ALONG WITH A RE-INSERTION OF A PREVIOUS PAID ACCOUNT THAT SHOWED CLOSED, LATE AND UNPAID AFTER SHOWING THE DIRECT OPPOSITE THE DAY PRIOR WHICH WAS PAID WITH A XXXX BALANCE RESULTED IN " MY CREDIT SCORE DROPPING " XXXX POINTS IN A MATTER OF " 12 '' HOURS. 

I WILL PROVIDE THE DIFFERENCE OF INACCURACY DESCRIBING THIS IN FULL DETAIL WITH THE ATTACHED FILES IN FULL DETAIL! 

XXXX/XXXX/15 - XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NC
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 act XXXX Account # XXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy, 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Bass & Associates, P.C., Attorneys at Law
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: RI
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 Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-08-04
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This problem relates to Paypal. I received an unsolicited payment from someone I do not know for {$250.00}. They asked me to refund it. I assumed it was a scam which was supported by a brief internet search. It turns out they had really sent me the money and they registered a complaint with Paypal saying that they had sent me money and I had not sent them the item they were buying. This, of course, was not true as there was no item -- just the money. When I got the dispute notice from Paypal I logged in and saw the pending payment. I was for less than {$250.00} because they had deducted a fee as if I were a business which I am not. If it had not been for the deduction of the fee and the already existing dispute I would have just sent them the same amount back. Instead, I had to respond to the dispute. After explaining to Paypal that I did not know this person, did not ask for the money, was not in business at all and explained that they just needed to give this person their money back which should be easy since they had frozen it and not paid me yet anyway. Instead, they resolved the dispute in the other person 's favor and charged me {$15.00} for the dispute plus of course the fee of {$7.00} and change. So, I am out {$22.00} and change for simply possessing a Paypal account that some was able to send me money to. Now, they say I owe them {$15.00} and I can not even close the Paypal account or remove my bank and credit card information which they have. I am trying to deal with Paypal by taking exception to their resolution but given they resolved it this way in the first place and none of the facts have changed I do not expect them to fix it without someone else intervening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a call from a company in California called XXXX XXXX XXXX who said that they had submitted paperwork to take me to court for litigation on an old bank account from US bank from like XXXX or XXXX, I did n't even know about this account til the company said something because I was never sent the information pertaining to it file # XXXX and then they said the consumer finance protection bureau had filed a complaint against me as well but I never received any notification from you guys or US Bank claiming fraud, I thought that once something was n't on credit report could n't use it again

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 2016-01-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company 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