BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. 

XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Credit Service, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of the   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX  , Oklahoma on  XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out.   XXXX   XXXX   never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this.
I was contacted by CSI   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Ok.  XXXX  sometime in  XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with  XXXX  and   XXXX    credit reports. I disputed the placement with  XXXX , and they deleted the entry. The matter remains in dispute with  XXXX .
CSI is acting in violation of the Fair Debt Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Global Financial Solutions has been taking {$300.00} from my account for 2 and half years. Plus {$100.00} to another creditor also takes out {$100.00} per month. My total debt was {$18000.00} they told me I will save {$4000.00} for settling because they will help me settle but now I received lawsuit from my credit card companies and Global Financial Solutions is telling me that they did not pay these creditors suing me now because not enough money. I do n't know what they did to the {$9800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: First National Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. 
XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. 
I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. 
NO SUCH EMAIL CAME! 
I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. 
I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. 
I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last  two  accounts on my Credit Report that I have no knowledge of are an   XXXX   XXXX   company that states they represent  XXXX   XXXX . I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is  XXXX   XXXX   XXXX . It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are als o 2  accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are  XXXX   XXXX  and an account by the name of  XXXX . Thank you.

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 2017-03-17
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
U.S. Bank charged an overdraft fee when the account never had a negative balance according to online banking records. In addition, the account is " opted out '' of overdraft protection and can not be charged an overdraft fee on " regular, everyday '' ( Dodd-Frank Act ) transactions that result in a negative balance. The bank has reserved the right to process these transactions but not to charge a fee resulting in the inadvertent processing of these transactions which results in a negative balance on an account that is " opted out. '' The transaction that U.S Bank alleges having caused a negative balance is a recurring charge from XXXX for xbox live services. This recurring charge occurs regularly, every month, in the middle of the month.

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 2017-07-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last XXXX accounts on my Credit Report that I have no knowledge of are an XXXX XXXX company that states they represent XXXX XXXX. I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is XXXX XXXX XXXX. It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are also XXXX accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are XXXX XXXX and an account by the name of XXXX. Thank you.

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 2016-03-12
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In my opinion U.S. Bancorp ( U.S. Bank National Association and U.S. Bank ) is forcing me to file a lawsuit ( not arbitration ) to prevent destruction or spoilage of evidence. This includes evidence including but not limited to breach of contract and disregard. 

I request U.S. Bank or U.S. Bank National Association preserve, copy and retain any and all recorded calls or information regarding my currently closed credit card ending in XXXX as factual evidence. If U.S. Bank prefers a signed handwritten letter mailed, please reply with the address. Nowhere in our written contract does it mention any fee that I have to pay to prevent U.S. Bank from spoiling or destroying factual evidence, nor did was it mentioned ever as a policy when relevant during my last complaint. Encouraging me to file legal action just to see my conversations that U.S. Bank only uses for " training purposes '' is perceived as intimidation in regards to potential future stress and large legal fees. 

Given how the very first CFPBXXXX reply I received from U.S. Bank mentioned how greatly you appreciate me as a customer, I know you were being honest and these requests will be no problem at all. U.S. Bank should have just contacted me. If you just acknowledged that the manager I spoke with in XXXX, 2015 accidentally provided misinformation about the credits on my account applying to my annual membership fee with no mention of a 90 day policy ; I 'd still be a Cardmember with no complaints. 

You will hear from me within the next six months. Do n't destroy any evidence, if the data is programmed to automatically overwrite data then I request a copy be made and saved immediately before that happens.

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 2015-04-21
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? '' I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-07-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was set up with LoanCare LLC in   XXXX   of 2017 I made my first  XXXX  2017 Payment early in late  XXXX . They accepted my payment for  XXXX  but I started having trouble in   XXXX    2017. My wife had made a payment and mistakenly put her name as the payer. The payment for some reason was returned. Since then, I have paid over 4 times with 7 of my payments being reversed. reapplied and reversed. It has been a nightmare to try and pay my mortgage company. I made a payment for   XXXX   and  XXXX , which was finally accepted by LoanCare, on  XXXX   XXXX  2017. For a whole month there was no reversals of the payments. On   XXXX      XXXX   2017 I made Payments for   XXXX   and  XXXX  2017. Guess what happened next, they decided to reverse my  XXXX ,  XXXX  and  XXXX  payment then reapply my two payments for  XXXX  and   XXXX    thus leaving out  XXXX  and I am back to supposedly owing them another payment. I do n't understand why this is happening. I talk to my bank and they do n't show any record of rejected payments. I talked to LoanCare and all they tell me is that its the bank or that I have Non Sufficient Funds. I am struggling to make my payments on time even though i am making them on time. This should not be happening. If anyone has an opportunity to work with LoanCare LLC please do n't, Save yourself your money, time, and high stress

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 2017-01-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A Nissan collections agent called me at XXXX PST on XX/XX/2016. This is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Wells Fargo sent me a letter stating that they had miscalculated my student loan payment by using a loan end date that was earlier than it should have been. They " assured '' me that the error was corrected and that my monthly payment was reduced, but they provided me with zero details relating to any of this. They did not tell me how long the payments had been miscalculated for, how much I overpaid, or what my new payment would be. More importantly, they recalculated my payments based on the corrected loan end date, but did so based on the existing balance. This recalculated balance should have been calculated based on the current balance MINUS my overpayment. As we know, payments in excess of your minimum monthly payment reduce your principle dollar for dollar, and this should have been factored into my new payment ... but it was n't. For example, if I should have been paying {$50.00} a month but i was paying {$100.00} a month due to the miscalculated payments, then my principle should have been decreasing by {$50.00} per month for the duration of the miscalculated payment. I am appalled that a financial services organization could either over look this, or try to put it past me. If this is not going to be taken into account, then I would expect this money to be credited to me, plus the average interest rate for that time period, as I could and should have been able to invest that money that I did not NEED to pay that entire time. I need to understand why this was n't done and have the appropriate adjustments made  ASAP.

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 2015-07-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am currently sick, receiving only a percentage of my salary through a XXXX policy. Because of my illness and lack of funds, my checking account became overdrawn. Santander bank has charged me XXXX overdraft fees in the amount of {$35.00} each, for a total of {$350.00}. I called Santander bank and they agreed to remove only XXXX of the XXXX overdraft fees. This is an outrageous punt of money and it is discriminatory and predatory against someone with a XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015, I opened a Money Market Account with Santander Bank and was told by XXXX different bank managers that the account would earn .90 %. Each month I have logged on to the bank 's web site ( which has continually advertised .90 % ), to deposit additional monies to that account. When I received tax information regarding the interest earned for 2015, I began to question whether I had in fact been getting .90 %. I spoke with the local branch manager and was told that .90 % was a promotional rate, that I received for an unspecified amount of time, and now this account was earning .40 %. At no time was I told this was a promotional rate, nor was I told that the .90 % rate would apply for a limited time only. I could not find any information to that effect on their web site. In fact, Santander has continued to offer the same .90 % rate all this time. I feel that this is unfair and deceptive advertising. I would not have put my money into their money market account had I known the rates would change at an arbitrary point in time unknown to me. Furthermore, at no time was I given access/information as to the actual interest rate the account received. I feel that they were not clear in their business practices and they solicited my business under false pretenses.

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
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XX/XX/XXXX tax return. This information is prior to two months. I filed bankruptcy in XX/XX/XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started at XXXX XXXX in 2008. I was told that all of my classes would be in the class room. Unfortunately, XXXX XXXX went to an online format for my remaining XXXX credits. They also told me that they would accommodate my XXXX and my work schedule. My XXXX is XXXX XXXX. While I was trying to fix the problem with XXXX XXXX  and their refusal change from online classes to in-class instruction, I was not given any more funds and had to start paying my loans. At the time, I asked for the loans to income based. Navient put me into forbearance at least 7 times that increased the interest. My loans are costing me {$72000.00}. I would like to consolidate my loans ( I have three ). Navient has told me that I can not consolidate. I need help with this situation. I am paying for loans and have no degree. Any help that you can provide would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We paid off the life of the auto loan balance but several weeks later we get a letter saying ( paraphrasing ) " you still owe late fees for this account. '' However, we know for sure before the loan was transferred to GM financial we did not have late fees and the deferment payments was added to the back of the loan in which we were told. So, I do n't know why we still owe late fees when we paid off the life of the loan, please explain that to us.

Company response to consumer: Closed with explanation