BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A XXXX XXXX XXXX of US Bank XXXX XXXX XXXX on XXXX/XXXX/15 manually adjusted a check deposit out of a checking account weeks after it had cleared the maker 's bank. At no time have I been issued any notice or option to dispute. They have refused to comply with Cease and Desist so that I can pursue dispute. They have refused to cooperate with external mediation so that the dispute can be resolved. They have refused to issue any form of document regarding how much they claim they are owed on an account that had overdraft protection on a linked credit card account that I was able to pay and close. They blocked deposits or other payments to the account at issue at the same time as the manual deposit. They have only vaguely stated they want cash only delivered in person only to only XXXX XXXX XXXX Branch Manager of US Bank XXXX XXXX XXXX who as in this is not likely to credit the account at a national bank that has no possible options to do so. I do n't live in or bank with that branch at the time or since as one whose ATM never worked either. They retaliate for seeking external mediation. And have completely blocked even paying while continuing to escalate extrernal credit reporting damage and stalking me personally harassing me up to 3x a day with the block of payment, refusing to do other than issue another completely different false claim, taunt, harass while I am at work taunting about falsifying the entire thing, etc. 

They have in the XXXX and XXXX suburban areas of US Bank as well as MN Fraud Division for all of XXXX, refused to comply with Cease and Desist so that I could pursue dispute and resolution of this false claim. 

They continue to and take all these actions with fraudulently created debt which is against the law directed at anybody or any type of entity. 

I am being harassed so continually and methodically, including the XXXX XXXX and other taunting up to 3x a day, that US Bank has become violently dangerous to my personal safety. They are disrupting and forcing cancellations of necessary health care XXXX, etc. 

The time and money they are gouging about this dispute are also in XXXX dollars by now and irreparable damage has been done over this nearly 2 month time frame of illegal collections, illegal credit reporting, and illegal personal stalking to the point of a computer cartoon entertainment on the part of US Bank employee who continues to orchestrate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment was submitted to company XX/XX/2021.

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 2016-10-15
Company: U.S. BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with US Bank and I think they have stolen/lost {$6000.00}. I moved to New York and they did n't have any branches there. I needed to pay rent on an apartment and I could n't do a bank transfer because of cash withdrawal limits, so my plan was to order checks, write one out to myself, cash it at a local bank nearby, and get a certified check to pay rent. I asked the representative if they could waive the check fee, and they said they could n't, but a supervisor would help. The supervisor promised to waive the fee. When I called back about if the checks were mailed, they said they were n't, and that waiving the check fee was impossible. When I told them another supervisor had promised to waive the fee, they did n't believe me. I asked them to mail the checks again, this time with the check fee, and they said they would, but never did. In frustration I asked them to close my account and mail me the balance, which was about {$6000.00}. They said it would take 3-5 business days to process, and another few days to reach me. I made the request on XXXX XXXX, 2016. I waited 3-5 days later. On XXXX XXXX I asked about where my check was. They said it was " mailed '' but had no record of when it was mailed or if it was mailed. I waited again until XXXX XXXX, 2016 -- which would have given the postal service 4 days to send it -- but no check arrived. I called, and they said sorry, that it was mailed, but provided no proof it was ever mailed. They even started to question which money I was talking about. I went online to pull my checking account statements, but because the account was closed, they pulled all my statements offline and I have no records online of my checking account even existing. This is starting to border on theft, and I 'm frankly frightened they 've lost {$6000.00}. They said they would look into it further, but this is n't good enough. I 've waited over 14 days for this money, and I have rent and bills to pay. The fact that all my records are gone online without warning that they were taking it off the internet, the fact that they have no records of ever mailing the check, the fact that I have yet to receive the check, is very very troubling and bad customer service. By the way, there was no miscommunication about my address. At a minimum, when they 're mailing a certified check of that amount of money, they should have a tracking number in place so that these issues do n't happen. Given the XXXX XXXX fraud, I would like the CFPB to investigate this issue further. I 've been on the phone with them at least 10 times in the past week, and I 'm exhausted.

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 2016-08-30
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Account was closed without notice and for no reason. I have not used the card for about 2 months and they suddenly just closed all my XXXX credit cards and the points associated with it. I have over XXXX XXXX points on my account. They can not advertise their rewards program and simply close your account once you 've accumulated a decent amount of points. Total bait and switch.Contacted XXXX and refuse to disclose any reason as to why.

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 2016-08-01
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted US Bank for a $ XXXX investment property loan with a down payment of 25 % and more was available if needed. I originally spoke with, XXXX XXXX ( Originator ) and once XXXX received taxed returns and a credit, he spoke with his supervisor and ran it through their system and approved the loan. The whole time he did not disclose the terms of the loan ( interest rate, apr, general basics of the loan ) I had to extract this information out of him piece by piece, but only after he said that he would provide this information once he received a purchase agreement, and when he did give information I had to make sure to follow up with additional questions, as he was not forthcoming and transparent with the information that was eventually extracted. When the information was finally given, the credit report was pulled, tax returns were submitted and the loan was ran through the system and approved by the system as well as the supervisor. The week ended with him saying on a Friday that he was going to get started on the closing paperwork since the system approved it. The loan was then sent over to XXXX XXXX ( Loan Processor ) she proceeded to tell me the following week that the loan was not approved. I asked " why ''. She stated the income was not there, which being self employed and the deductions that were taken was said by XXXX that they were able to calculate some of that income back in, hence the approval by the supervisor and system at 25 % down. I asked by who and she stated " us ''. I asked her " who is us, was it the underwriter? ". She replied " no, me ''. I proceeded to tell her that something did not seem right, that she is acting as the underwriter without the underwriter ever seeing it. In addition, the loan was already ran through the system and approved, both manually by a supervisor and the system itself, this should be sent to the underwriter. Meanwhile, all this has taken three weeks just to get to this point, I submitted everything to them immediately, it has been three weeks of waiting on them, not getting any/or clear answers on anything including basic disclosures.

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 2015-09-16
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an item ( Steampod hair straightener ) XXXX that missing the tank, comb and main problem is the power in XXXX is XXXX volts but in XXXX is XXXX volt, so I contact the merchant XXXX to return it, after asking to get shipping quote XXXX FOR {$210.00}. 
I called USbank card services XXXX. XXXX, his telling me if purchasing item from XXXX with Visa card I am responsible for shipping, XXXX and US bank disclosed the information and should not ship the defective unit with disclosure so is US bank responsibility to pay or ask merchant to correct the problems or take it back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an account with TD Bank with the XXXX XXXX department. My payments are due on the XXXX of each month. I have made on-time payments. However, depite the on-time payments, I am regularly charged a late fee and when requesting it be waived, they say one of two things, 1 ) that it will happen automatically or 2 ) that in order to waive the late fee I need to bring my account current even though my account only appears to be overdue because they never waived the late fee for the on-time payment. This late fee is assessed days before my due date and never waived. I am concerned I have been overpaying on my loan due to their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX XXXX and XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2015-08-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Att : XXXX XXXX am not sure if the CFPA is the agency that I should be writing to but here is my story. 
I live in a XXXX bedroom in XXXX California with a normal mortgage, back in XXXXthere area where my home was located flooded. We had about XXXX inches of waterin XXXX rooms. 
The city of XXXX elected to designate this portion of the city as a flood zone. 
This in turn required me to take out flood insurance at about {$1000.00} a year since 1982. 
I have been paying this over the last XXXX years or {$33000.00}. 
Needless to say we have never had another flood. 
I have tried relentlessly to find out how I could get out of this insurance to no avail as thecity has stated that this is a flood zone and the mortgage company has required that I have flood insurance. 
I have tried to contact the XXXX XXXX XXXX XXXX over the years and all of my letters have just fallen on deaf ears. 
I saw an article in XXXX XXXX regarding CFPA and thought I would write to you to see if there is anything you can do to recover any monies that I had paid to the XXXX. 
I am XXXX and on a fixed income. 
Thank you in advance and and if there is any thing you can do, it will be greately appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.

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 2016-06-06
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in review for a modification and I have not yet to speak to the point of contact assigned to the case. I have called her numerous times to check status on the modification and to see if further documents are needed. They have asked me for documentation and they have all been provided. They other agents ask me for supplemental stips on a piece meal basis. Now today, another agent is stating that I did not provide a XXXX. I informed her ask reflected on my pay check stubs from the XXXX, I DO NOT receive a XXXX only paystubs. The agent and not the point of contact informed me that even though I do n't receive a XXXX and receive paystubs, I need to still have written them a letter reflecting the fact that I dont receive a XXXX. So therefore, they are stating I did NOT provide documentation to them in a timely manner. The point of contact has never stated this to me and now they are no onger reflecting I am in active review because I didnt informed them I do not not receive a XXXX when clearly they know because they have my paystubs! This is a travesty of justice and is slap in the face of every American. They are not playing by the rules and setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank is telling me a charge to my acct. was n't an unauthorized transactions because I used the acct. before to pay these people Which is true but I did n't authorized them to take out a payment form US Bank on XX/XX/2016 and they refuse to accept the dispute and keeps adding more fee 's to my acct. I have complained about this now for over XXXX days for this unauthorized charge from XXXX for {$91.00} on XX/XX/2016. I sent in proof showing this was paid on the XXXX from my other bank as I planned to do If I would have saw this {$91.00} had posted before I transferred {$1500.00} I never would have put that money into the acct. and I refuse to put the balance due for the {$1800.00} after the {$1500.00} dep. that would have been eating up by this {$91.00} charge because I was n't going to pay this unauthorized charge now they are saying my acct. will be closed by the XXXX for these outrages charges and not doing their job to respect that the charge was " UNAUTHORIZED '' I have been charged ( {$190.00} ) in FEE 'S after charge of {$91.00} I Did Authorized charge for {$1800.00} ONLY! nothing else! ... I was n't going to pay all these fees just would eat that money up and Keep Doing What It Is Doing NOW! Overdraft, Extended Fee 's etc ... If I would have saw this I would n't have put that {$1500.00} into bank I REFUSED TO PUT ANY MORE MONEY IN MY ACCOUNT UNTIL THIS IS CLEARED UP AS YOU SEE ITS BEEN XXXX DAYS & STILL NOTHING HAS BEEN DONE US BANK BUT TO PUT MORE & MORE FEE 'S THEN TO CLOSE MY ACCOUNT WITH ALMOST {$200.00} IN JUST FEE 'S EMPLOYEES ARE N'T DOING THEIR JOB TO BUSY TELLING ME WHAT THEY THINK IT SHOULD BE OR WHAT HAPPEN! I 'm making complaints to BBB, FEDERAL RESERVE, cfpb, TOP CLASS ACTION LAWSUIT INVESTIGATION - Into 'Extended Overdraft Fee ' or 'Continuous Overdraft Fee ' Overdrawn Balance Charge,

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 2021-03-09
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am trying to pay off my student loans. My loan servicer is E.C.M.C. I began receiving collection calls in XX/XX/2019 requesting that I consolidate the loans for the amount of {$24000.00}. XXXX, my previous loan servicer, was reporting a lower amount to the major credit bureaus. E.C.M.C can not substantiate the current amount claimed other than to provide they paid a certain amount for the loans. What E.C.M.C can substantiate is the original loan amount of {$10000.00} and payments made in the amount of approximately {$8800.00} on the loans. E.C.M.C asserts that despite these payments, {$22000.00} is still owed. I have requested a settlement but the offers exceed {$15000.00} despite an active wage garnishment in the amount of {$530.00} per month. I wish to reach an equitable settlement.

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 2015-05-18
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
US Bank/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received two fake emails from XXXX at XXXX pm on XX/XX/2017. The emails contained my personal email address with a large deposit approved notification that was n't mine. I contacted USBANK and spoke to four different employees that were unwilling to log the potential IT problem into supervisory systems. My concern was that they are either USBANK internally is unintentionally sharing customer information or that their customer email addresses were stolen. I asked to have all my accounts frozen and then have the item reported. I was then hung up on by the representative. I did get some action from one representative who asked me to forward the emails to XXXX, but I had to talk to five representatives to get this to occur. I still was unsuccessful in getting my account frozen. I believe there may have been a PII breach and the bank 's response is unacceptable.

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