BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-26
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check to my account before leaving XXXX on a trip. 
The deposit went through as it was exactly the same as on multiple deposits previously, XXXX Bank, Same Branch, Same Accounts ( issuer and issued ), Same Signer, Same amount ( actually lesser amount than most recent accepted deposit, but same as a previous amount ), Same Name, Same Endorser, Same Everything! But For No Valid or Given Reason This Deposit Was Reversed By the Branch Manager In Order To Extort and Sell Branch Products. 
I Was Treated Inhumanly and Extremely Unprofessionally With Direct Disrespect and Deprivation of My Livelihood as well as Insult to my Character. 
I am Currently XXXX so there is Direct Negative Impact on My Survival.

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 2016-02-23
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Cash advance

Complaint:
I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : 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 2015-04-10
Company: National Principal Group, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from a " server '' by the name of XXXX XXXX, who contacted me via an unlisted number, stating that he had papers to serve me regarding a payday loan that I supposedly received through an old bank account in 2011. He then provided me with a number to contact the collection agency in charge of the claim to settle the debt. The number provided was XXXX and it led me to a company called Lakefront Processing Solutions, a collection firm in New York. I spoke with a man by the name of XXXX XXXX who went on to explain that I owed some payday company the sum of {$600.00} dollars for defaulting on a loan that I never actually signed for and that I was to be charged with fraud and breach of trust ( He spoke so quickly that I could n't understand half of what he was saying ). I never received any documentation regarding these supposed charges nor any papers regarding the loan in question. All he did was threaten me with legal action if I did not pay him the settlement amount of {$400.00} dollars over the phone. Like a fool, I gave in to the pressure and fear of legal action and paid the balance. He then told me that if I had any further questions I could contact him or their parent company, National Principle Group ( Which does n't seem to exist, as their website is nowhere to be found ), and informed me that no further action would be taken. This is the XXXX time something like this has happened to me and it needs to stop. The practices these people use are illicit and abusive, and people need to understand that they have their rights concerning matters such as this. I wish I had understood that prior to this transgression, but you live and you learn. I 'm not wholly concerned with getting my money back ; I just want to do my part in ensuring that people like this ca n't prey on the fear of honest people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/XXXX, my father, a physically XXXX XXXX year old man with XXXX to his private residence by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. XXXX denied payment for this service, although they had covered XXXX on several prior occasions. 

On XX/XX/XXXX, we appealed the XXXX decision. On XX/XX/XXXX XXXX denied our appeal, but determined that XXXX XXXX XXXX XXXX was responsible for the charges. In the meantime, XXXX XXXX XXXX XXXX had referred this account to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. I informed all parties of the XXXX decision and that my father was not responsible for the charges. 

XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX contacted me and asked me to file a XXXX appeal as their client, XXXX XXXX XXXX XXXX, could not. This was a lie ; XXXX has since informed me that XXXX XXXX XXXX XXXX could have filed *and possibly did file XXXX their own appeal. Certainly, XXXX XXXX was aware of this. Not knowing this and assuming XXXX XXXX was being honest, I filed a XXXX appeal with XXXX on XX/XX/XXXX. While awaiting the results of the XXXX appeal, XXXX XXXX XXXX XXXX sent my father a letter threatening to take him to court. 

XXXX informed us in a letter XX/XX/XXXX, that not only were they denying the appeal, but they reversed their earlier decision and my father is now liable for the charges. I had no idea that the appeal could result in a worse decision, although I am quite certain that XXXX XXXX, as a collections professional, did. XXXX says we should not have filed the XXXX appeal and that our only option is to either pay or go before an administrative law judge. 

I believe XXXX XXXX knowingly gave me false information and took advantage of my willingness to help to get me to file a XXXX appeal. This is highly unethical behavior. Preying on XXXX and their families must be the most despicable behavior possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card
Issue: Sale of account

Complaint:
For years, I have had a XXXX Rewards Program credit card through XXXX. Many months ago I received notification that the rewards program is being discontinued and that another bank - First National Bank of Omaha - will be issuing a new credit card. 
I recently received a letter stating that my XXXX XXXX Card will be invalid as of XX/XX/XXXX and that reward points will remain until XX/XX/XXXX. 
Here 's my complaint and problem : I plan to use the reward before XX/XX/XXXX, but I do not want another credit card issued ; i do n't need an additional credit card. The Are Lingus Rewards card was requested specifically for the rewards. 
So, I contacted First National Bank of Omaha and told them what was mentioned above. They were n't sure if i would lose points if the transfer was n't accepted. 
I then contacted XXXX. They informed me that if i cancelled the XXXX XXXX card, my points would be lost, but if i rejected the First National Omaha card, the points would still carry over. 
I then called First National Bank of Omaha again saying i do not wan t their card issued. They told me XXXX ( XXXX XXXX ) has to deal with it. If I cancel the XXXX XXXX card lose all my accumulated points. 
Am I forced to accept a card i do n't want issued, one I did not apply for? 
Like many people i have multitude credit cards ; I do not need or want another one. 
Please let me know what i should do. 
Over the years I have cancelled store cards and credit cards, yet they still are listed on my credit reports. I DO NOT want another card issued. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I made a payment agreement around XXXX 2014 with Allied Interstate about a non-federal private student loan that I am in default. Last month due to hardship I requested a month off payments. After that period they started attempting to call me. I requested not to be called since they always interrupt me while working. They debited my bank account already, thus resuming payments, yet they continue to call non-stop demanding to give me an update. Now they are harassing my domestic partner by phone XXXX XXXX asking her personal questions about our relationship. They have no reason to call since payments are being currently made. I do not wish to talk to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: U.S. BANCORP
State: IL
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:
XXXX has been contacting myself and my family repeatedly stating I owe a balance of {$2500.00} to US Bank from XX/XX/2007. They are threatening myself and my family with jail time and garnishments. I have spoke to US Bank and there is no record of such balance. This collection company is threatening and scaring my family, as well as making false claims of this debt to my employer.

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 2017-01-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was always told my customer service to do a Forbearance which resulted into my loan amount increasing dramatically. I was never told about the income based repayment until i asked about it even though everytime I called about my student loans I stated that i could n't afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed my mortgage with Lakeview Loan Servicing LLC on XX/XX/XXXX. 
After being paid in full, my escrow balance was {$5300.00} and I have yet to receive those funds more than 2 and a half months later. The first check sent to me bounced and I still have yet to receive a second check as of today, XXXX. 
Is this company in violation of RESPA guidelines? Am I entitled to compensation of interest or late fees on my money that they are playing with? 
I would like this complaint to be on file with this company so that this mistreatment and inconvenience to me is documented.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-04-02
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I 'm very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n't have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n't afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n't wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX 2014 I applied and was accepted for a XXXX XXXX Premier Rewards Visa Signature Card. I chose this card amongst others solely because the benefit of " Bonus Award Nights '' given the tradeoff of having a Hard Pull on my credit history and a {$75.00} annual fee due on my XXXX statement. Without warning, 6 months later XXXX XXXX and US Bank have pulled a bait and switch by removing the " Bonus Award Nights '' feature from the card, essentially wasting my Hard Pull and {$75.00} Annual Fee. This is bad business and not fair to the consumers thus I expect a fair outcome for everyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit owns a debt from XXXX XXXX in my name. I beleive Midland Credit " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( XXXX ). I also beleive that Midland Credit " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I attempted to use a credit/debit card to withdraw money from an ATM, after having confirmed my balance and that U.S. Bank, XXXX, KY, was in-network. The ATM ate the card. I called the bank 's customer service line, and was lied to, they were aware the type of card and said if I was there the next day at bank open it would be returned, the bank refused to return the card. I called them again, and was lied to again, the CSR saying that if an ATM took a card, it destroyed it ; she connected me to a branch manager, who confirmed they only return US Bank cards " because they ca n't identify anyone else, '' she did not care that I could bring several government issued photo I.D.s. She also said it was just a machine error/ glitch. So their ATM was at fault in taking my card, I got lied to, wasted time and gasoline, was treated to the worst customer service experience of my life, and have to wait on a new card from my issuer. Nowhere on their ATM does it state that policy of cards not being returned. This is a faulty, if not illegal, business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 both XXXX and XXXX asked us to make a payment outside of escrow and off the HUD " so that it does n't mess up the HUD and brings down the balance needed to get an approval ''. This request was repeated on XXXX and XXXX by XXXX. 

The negotiator and the negotiator 's manager, XXXX, said that an upper level VP in USBank told him to make these requests. 

***The Vice-Presidents at USBANK are DIRECTING THE NEGOTIATOR, ESCROW, BUYER, SELLER AND ALL AGENTS IN THIS TRANSACTION TO COMMIT FRAUD BY GIVING DIRECTION FOR THE SELLER TO SEND THEM MONEY OUTSIDE OF ESCROW -- -- - AND THEREBY HIDING THE MONEY FROM 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 non-monetary relief
Consumer complaint received 2017-02-14
Company: Circleback Lending, Inc.(Closed)
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hello, XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation