BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a used car from a private party, giving him {$3900.00} in cash ( no checks involved ) for payment in full on Tuesday XXXX. I got my cash from XXXX XXXX XXXX. They had approved a used car loan at 2.5 %, but because the seller had a lien on the car with JP MORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX XXXX, TX., I had tp take out a personal loan at 9.25 % until I got a clear title. Then they would convert the personal loan to the 2.5 % used car loan. 
The seller and I went to the local Chase Bank branch on the same day. We had the managercompute to the penny how much the seller had to give in order for the lien to be paid off. 
He then gave the bank, in all cash, that amount. 
I fully expected the bank to sign and date the title to release the first lien. But no. Chase explained that that had to be done in the " back room '' and they would send to ME a letter stating that the loan has been paid in full. I protested, but was told that was the way it was going to happen. 
The end result is ; I took out a loan 9.25 % to buy a used car that I can not convert to a 2.5 % loan, because I can not transfer the title to my name until I wait for a snailmail that takes XXXX weeks. Further, I can not XXXX XXXX the car that I bought until I get the waiver in the mail. Further, the Michigan XXXX charges a {$15.00} late fee if I don ; t make the transfer in XXXX days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I rented a car using my XXXX card. when I returned the card I paid with my US Bank card. 
I was then charged with a fee from my XXXX card for 1 day and a fee from my US Bank for XXXX. I reported the issue to US Bank. They returned the amount in 15 days. US Bank later reversed the charge and charged me XXXX again. They said they mailed a letter requesting addtional documents that I never received. Its been 15 days and Im still waiting to have the fee reversed from US Bank. I called and they said they have all my documents however nothing has been done.

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 2015-04-09
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Shermeta Law Group, PLLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made arrangements with Shermeta law firm in XXXX Michigan to pay XXXX $ a month. Every month I received a payment envelope and statement. Last month I did n't receive one. So no money was sent. They said they sent one. My account was garnished taking my car insurance and tax payment money. i think they did n't send me a statement on purpose. I wonder how many other people have had this problem. they said it was my fault and that I should have called them. I save every month so that I can pay my insurance bill in one payment. I would like that money returned. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to supplement my prior complaint against USBank with additional information. I believe that they have engaged in deceptive and misleading behaviour in regards to loan servicing of my construction loan. 

1. their communication that my loan would begin full amortization on XXXX/XXXX/17 would suggest that my full P & I payment would begin in XXXX 2017. However, they wanted PAYMENT of full P & I in XXXX 2017- which means that the amortization began in XXXX XXXX, 2017 -- and contrary to their representation. 
2. they have sent loan statements LATE and in a misleading fashion. I have attached their mailed notices -- please make note the postmark date as well as the amounts. With regard to the postmark dates -- they have violated servicing rules by sending notices for payment due on XXXX/XXXX/2017 on XXXX/XXXX/17. also, they have stated incorrect amounts. I just now received a loan statement for double the amount due.

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 2015-07-10
Company: U.S. BANCORP
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by garrettson financial services and was informed that i was being sued by u.s. bank for overdraft fees from 5 years prior. This call was the first time i have heard anything about overdraft fees or a lawsuit. XXXX XXXX demands i pay the settlement with a down payment that is due within 24 hours or i will have my assets seized and my wages and taxes garnished for 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.

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 2016-05-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I worked with US Bank to secure financing for a condo XXXX. I worked with XXXX XXXX at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor XXXX XXXX XXXX, it all went down hill. Due to US Banks extremely high closing costs, I reached out to XXXX to update the amount of my down payment, so I could free up cash for closing cost. XXXX informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, XXXX was persistent that I pay for an appraisal BEFORE their 'internal ' condo approval board even said that the place was ok to extend lending. I was able to catch this and refused, saying we needed to wait for US Bank to approve the condo 's XXXX financials. XXXX was extremely pushy and said that we would not make the closing date if I did not pay for the appraisal. I said that was fine and worked with the sellers. 

At this point, XXXX informs me that they need to run my credit again under my married name. So they do a hard hit not once, but twice because she could not do her job right to begin with. 

What is the worst part is that after I had written confirmation from XXXX that $ XXXX down payment would be fine for the loan, US Bank called to request that I pay an application fee. After I paid the {$390.00} application fee, US Bank informed me that I needed to come up with $ XXXX more for closing. At this point I am completely dumbfounded. Not only do I never get complete answers from US Bank, they systematically lied to me throughout the entire process. If I would not have caught the appraisal that XXXX XXXX was pushing on me, I would be out close to {$900.00}. Instead, I am out {$390.00} that was charged to my US Bank credit card ( so much for loyalty, right!? ) Needless to say, I was I have loan approval through another lender and I am closing on my place on XXXX, with a lower interest rate. I was able to easily secure financing without the incompetence of XXXX XXXX and the rest of the people at US Bank. It was complete night and day between my new lender and US Bank as far as keeping me informed and making sure I understood the process and what I was paying for. US Bank made it clear that they just wanted my money-so enjoy the {$390.00} application fee you should have never accepted US Bank. Needless to say, I will be closing all my accounts soon.

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 2015-06-12
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 I contacted US Bank to request payofff amount for my US Bank HELOC. On XXXX/XXXX/16 sent check via USPS Certified Mail for payoff amount as of XXXX/XXXX/16. USPS shows check delivered on XXXX/XXXX/16. Check not cashed as of XXXX/XXXX/16, called to inquire, was told checks take 3-5 days to process, would not be charged the per diem ( {$16.00} ) for the processing time, account would be {$16.00} each day for the 2 late days ( payment was sent for payoff as of XXXX, but USPS Certified Tracking shows delivery on XXXX ). As of XXXX/XXXX/16, check still not cashed. Called to inquire evening of XXXX/XXXX/16. Was told check was submitted for incorrect amount ; check had been returned to me in mail that day. US Bank held the payoff check from XXXX through XXXX, never tried to contact me. US Bank claims the per diem of {$16.00} is owed for each day they held the payoff check ( XXXX x 9 days between XXXX and XXXX ). Check was written for payoff date of XXXX, and I should pay {$16.00} per diem for the 2 days after payment was made. It appears US Bank deemed the check to be insufficient to pay off the loan ; did not submit the check for payment ; held the check for 9 days without contacting me, all in an effort to hinder paying the loan off in order to continue collecting the {$16.00} per diem. This action is underhanded and should not be allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Card suspended with no prior notice and no arrearage, for alleged missed payment despite web posting showing next payment due XXXX XXXX, 2017, and no indication that anything was amiss or irregular.

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 2015-09-08
Company: FIRST NATIONAL BANK OF OMAHA
State: RI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My credit card was used with out my knowledge or authorization by my XXXX year old son. 
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. 
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. 
Please advise, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Residential Credit Solutions, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for bankruptcy 12 years ago that was discharge and XXXX/ XXXX XXXX XXXX transferred the loan to RCS ( Residential Credit Service ) and they are now reporting on my credit report and calling for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
they took my whole social security check i had no food my bills got turned off

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 2017-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to Equifax, XXXX and XXXX XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a judgment on my credit file that does not belong to me! I disputed this erroneous public record over 90 days ago and have yet to get a response from them. I called the court and they have confirmed that this judgment is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Campus Student Funding, LLC
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.

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 explanation
Consumer complaint received 2016-03-16
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
There were several items that were never dlivered form XXXX so a series if cgarge backs intitiated. As US Bank is the lease customer advocate organization in the world, i recall that they didnt follow the procedure nor process for follwing the law and submitting my chargeback. 
I reccomended we close the card out so it couldnt be shared amoingst other parties. I assumed that they would send me my new card out. However when It didnt show for 2 weeks, I got concerned. I called them and US Bank said a new card wasnt issued. They lied and said it was because i didnt want one. That is a complete lie, fabrication, and a shocking statement for a bank employee to make. You would think once it was identified that there was an issuem, which was the fault of the bank, they would reissue the card, They havent and I want a new card.

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 2015-10-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
consumer cellular acct is not mine. My ex husband opened it in my name. The XXXX credit card is also his, he added my name without my knowledge and I never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
US BANK made an unauthorized credit inquiry to my XXXX credit file

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 2015-04-24
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I pay an annual fee to US Bank for my credit card. XXXX of the benefits of this card is that it has a benefit, the says the last night of my award booking is free. I have had this card for 2+ years, I understand how this works. This year, right after I paid my fee, US Bank announced that they will discontinue the free night benefit as of XXXX 2015. The free night offer was listed on the credit card application from US Bank. I wish the Annual fee to be refunded and a bonus of XXXX points be put in my account as damages to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home. 


The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: National Principal Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Rausch Sturm LLP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX i was notified that i owed a debt for a " XXXX XXXX XXXX XXXX' to a firm named Rausch Sturm LLP. They sent me a letter giving me a chance to dispute this and i responded immediately and did. They never responded. I thought that meant they did not have the proof that this was my account and i owed them anything so i thought it would fall off my report. It did not. Then in XXXX of XXXX, they tried to swindle me again. Sent me the exact same letter they sent me in XXXX of XXXX. I once again responded immediately. Again, no response, but this time i was not going to let it keep destroying my score. I waited 40+ days for a response, they did not, so i sent ANOTHER letter and they never responded again. It is clear they do not have anything substancial tying me to this debt they say is mine and have been breaking the law for some time now. I will attach all my their letters and all mine on to this complaint. I have the numbers for certifed mail too so I know they received my letters in response. They have continued to destroy my credit since then for no good reason.

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