BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My lease with US Bank expired after i paid my last payment on XXXX/XXXX/2016 and returned the car on XXXX/XXXX/2016. I called US Bank XXXX, and they still keep on taking out the monthly automatic payment that i was required to start. there is NO way to turn this off via their web site. I spoke with XXXX customer service rep 's who do n't know how to turn off the automatic payments when they have the returned car. I spoke to a Manager XXXX XXXX who also said it would not be taken out. However, it still took my money without any remediation. They owe me and many other end of leasee 's who kept on taking money out of account after lease ended. They owe me {$250.00} returned immediately.

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 2015-04-27
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied and was accepted for a US Bank XXXX XXXX Visa signature, which advertised a XXXX award night free on all stays booked with points while holding the card, along with other benefits, for paying the annual fee. I received notice a few weeks ago that the benefit was ending as of XXXX XXXX, about 6 months of the way through my XXXX year of having the card. I applied for the card, and suffered a hit to my credit score, primarily because of this benefit, and having it removed is a big blow to its value. I called the bank and asked for some form of compensation, and they were only willing to give XXXX points, which is worth about {$15.00} maximum, nowhere near the lost value of the benefit being removed. I feel like this was a bait and switch on the part of US Bank, as I applied for this specifically for a benefit that was promised, only to have it removed shortly thereafter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
After applying for a loan to purchase a new car, I received an interest rate 3x 's higher than indicative rates for a used automobile purchase for my creditworthiness.

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 2016-09-02
Company: AE Tradings Inc
State: FL
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
XXXX XXXX at XXXX offered to help to improve my credit score by having his company cancel some of the negative items, and mostly apply a Tradeline. He explained that his company would have obtained from a bank or financial institution a so-called Tradeline, equivalent to a credit line for XXXX $ which would have post on my credit and would have significantly improve my debt-credit ratio with credit bureaus boosting my credit score. Such Tradeline cost was XXXX , only for the Tradeline. After months of several follow ups and no signs of such Tradelane nowhere, no improvements in my credit score, to the contrary a decrease without any negative actions from my side that may have caused that, or receiving official document proving such tradeline posted on my account for XXXX $ I asked refund. He emailed saying his company policy states 'no refunds ' and admitting several times he had a delay and he even offered to raise the amount of such credit line if it would not being posted in the following 30 days. All in writing. He of course never delivered what he promised and he disappeared. I think we have here several grounds for a financial fraud. I have in my possession several written communication proving all that. I wish to have full refund of my XXXX $ ( XXXX $ were discounted and paid to my boyfriend as referral fee ), and make sure that no other consumers will be duped by this individual. Please look at the attachments where my boyfriend is trying to have proof for the service paid XXXX . XXXX XXXX, the company owner sent a cropped photo ( see attached ) presumably of a fake credit card opened in my name retroactively in 1998. I have also more contracts and written proofs if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2015-04-24
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a bill from a debt collector for a friends medical bill. They actual charged me for my roommates lack of payment. I argued and also had them send me their medical records, which I was able to sign the release form. It shows that the bill was not in my name, the bill was owed by someone else, but they still have this on my credit report. This has also dropped my credit score from XXXX to the XXXX causing an issue with obtaining a home mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Nationwide Credit Corporation
State: DE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discovered I had an account placed with NCC, Nationwide Credit, while pulling my own credit report. I called them immediately and arranged to pay in full, though I am STILL unaware of what the charges are for. We are in the process of home buying and I wanted the account removed as quickly as possible. I was VERY explicit that I would pay the account in full, as long as the collection would be DELETED or REMOVED from all of my credit files and NOT merely updated to reflect a 'paid ' status. The employee I spoke with, XXXX XXXX, assured me that it would be DELETED and not just updated. I agreed to make payment, based on that conditional understanding. After the account was updated, and NOT deleted as agreed, I called them back at which point XXXX other employees apologized, but informed me that removing the collection was not possible. This agent was dishonest and deceitful in obtaining payment. She served as an extremely poor representative for this business, and for the hospital, XXXX XXXX XXXX, that hired this agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a short sale to USbank on XX/XX/2016. They collected documents and had a complete file on XX/XX/2016. It has been 96 days since the short sale was submitted. They have not even ordered and appraisal on this case.

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 2015-04-03
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Dear XXXX. 
I offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. 

Thanks for your time and attention XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a phone call from a XXXX XXXX demanding me to pay a US Bank account over drafted back XX/XX/2003. She threatened to have a sheriff come to my work and serve me papers, now they have called my head boss at admin and told her that they want to serve me papers. I have spoke with our local sheriff who advice me to get in contact with you about what is happening. The contact number they have told me to call are the following : XXXX. Their address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I want them to stop calling me ... this is very scary!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt does not belong to me. Belongs to my ex husband. This debt collection agency has repeatedly reported and validated to all XXXX bureaus regarding an old utility debt. They have refused to provide any documentation to me, to validate that this account is mine.

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 2017-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX Re your inquiry for more information, i have been unable to contact you by telephone as i get a constant engaged tone! i have been trying since XXXX GMT i believe the time there will be around XXXX, if there is any thing you wish to know about my problem with the Bank of America i have email correspondence, if you can please tell what information you need by email my email address is the same as i have on the complaint if you would rather speak to me direct send me a contact number so i can call you back XXXX the last complaint about paying the reboot costs has a date for completion this is the XX/XX/2017 it is then if i can not find the final amount {$300.00} my funds will be confiscated the funds are at a rough guess about XXXX, i have no problem paying the reboot costs as there is plenty of money held in my account in the Bank of America on its not here in the XXXX, as i am in deep debt trying to pay all the costs needed all these are completed but i still can not transfer any funds my account manager XXXX has pleaded with the directors about my hardship yet they are holding on to my funds, this would not happen in the XXXX we have laws and rules that apply to all banks with in the XXXX, the treatment of bank customers are in front of any needs of the bank, yet to me the Bank of America have their own agenda to upset and take money that is not theirs to take and the treatment given to some one like me is in my case terrible and that telling you with out swearing!! so like i have said any thing you wish to know i will reply tho i hope its be email by the persons dealing with my complaint,, thank you for contacting me 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 2016-08-02
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Billing statement

Complaint:
My credit card is Citi bank, In the end of XXXX and very beginning of XXXX 2016 I had {$2000.00} dollars paid off to totally what I owed to my credit card ( over XXXX XXXX dollars, a lot of money ). 
On XXXX XXXX I found out they charged me {$27.00} dollars for interest although I already paid off. I called them and a lady representative of Citi told me " You do n't have to worry about it anymore '' Then on XXXX XXXX they raised it up to {$38.00} dollars as claiming what I " owe '' them. I called them again, they said they 'd schedule me a callback from the supervisor, but they never called back. 
The Citi bank unfairly treated me and lied to me not just once.

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 2017-03-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 'm have a problem with Experian reporting my account correctly. I have XXXX student that are being report as closed when they are actually open & in good standing. I called and the rep states to me that they do see my XXXX & my XXXX account. But he said there marked open on his system. I have had my XXXX loan sense XXXX my XXXX sense XXXX XXXX. It 's now XXXX XXXX so why are my account that showing this impacting my credit score negative. Because these open are stated close and have a balance. He claim the system needed to update but it should not take months to update an account from close to open.

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 2017-02-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Accidentally paid off loan twice I thought. One main financial would n't talk to me for a year and a half until i had the XXXX Attorney generals office contact them. They finally contacted me after they contacted them regarding this matter. In talking to them and verifying payment. I found they received the certified check and cashed it. But they did not receive or cash the check from Home title company. So now One Main Financial has not reported to the local county that the loan was satisfied or the credit bureau. Also Home title will not release the funds until One Main Financial does so. So the title company have held onto my money for almost two years now without notifying me and no indication of when they will release it even though i provided proof that the loan had been paid in the form of a certified check. Also One Main Financial has not provided proof to the title company, the county that the house was sold, or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am putting in a complaint because I am trying to upload my ID and utility bill to the experian upload website to have my extended fraud alert removed from my credit profile and it is not letting me upload my documents, it is telling me to mail in the form. I have added a security freeze on my report already and want the alert to be removed as it is becoming a problems in getting financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Associated Credit Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation