BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX at XXXX I deposited a cashier 's check for {$28000.00} into a US Bank joint checking account with my name and my wife 's made out to my wife from a trust in her name. She endorsed the check. Our intent was to transfer a portion to our other checking account for which we had checks to pay our flooring contractor. Our funds were not made available until XXXX XXXX. I wrote a check XXXX XXXX and it was returned as an overdraft on XXXX XXXX. We have been customers for years and our accounts were established more than 6 years ago. I requested my local branch to credit my account the over draft fees and they asked me to call the branch at which we initially established the accounts.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX  XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX XXXX {$650.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$840.00} XXXX  XXXX XXXX {$16000.00}

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 2016-07-27
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My principal on my house went up by XXXX since my last payment of XXXX. I have had no late payments for over two years. How could the principal go up when I am paying over the minimum 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 2016-01-22
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A medical doctor was reimbursed by XXXX for customary and reasonable charges. He was upset with the amount and sent his full bill to Creditors Discount & Auditors. They placed a collection notice for the full amount even though I made 2 phone calls and responded in writing.

Company response to consumer: Closed
Consumer complaint received 2020-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - paid {$1400.00} to XXXX in XXXX as a speaker for World Congress of Nursing Conference ( WCN XXXX ) with my Citibank Mastercard XX/XX/XXXX - wrote the company for cancellation and refund due to conflicting schedule at work to attend the XXXX XXXX event ; company would not want a refund. Instead offering other conference for me to attend which I am unable and declined. 

XX/XX/XXXX - called Citibank Mastercard about the issue and advised not to pay XXXX Citibank was aware that Conference organizer was contacted to settle the issue in good faith via formal letter and email but to no avail, it was unsuccessful. 

Citibank acknowledged and cancelled my current Mastercard credit card and replaced with a new card to prevent charging from the said company. 

XXXX Citibank called updating me that transaction was not made with XXXX XXXX. 

XXXX Dispute was resolved in favor of me. XXXX XXXX was not paid with {$1400.00}. Reversed the charge on my billing statement. 

XX/XX/XXXX - Billing statement showed {$1400.00} was charged back to my credit card account. Called Citibank to clarify about the dispute. Customer service XXXX from Citibank was insisting that transaction was not fraudulent but I again explained that effort and diligence was done at my end the soonest by contacting both organizer and citibank about my cancellation and asking for a refund from XXXX XXXX should charges were made. Also, brought out that the issue was been closed and resolved on my favor. And I clearly stated to XXXX that I will not be paying the {$1400.00} with my hard earned money especially with this pandemic situation where people are financially tight. 

I asked to talk to a citibank credit card manager but was unavailable and will call me back within 24 hours. 

I want the {$1400.00} charged to my billing statement be taken out. 

Your kind assistance is highly appreciated. 
I have all the documentation showing my diligence in communicating with the conference organizer. 

Also, I am available anytime should you have any questions to clarify things. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened my Bank of America checking account on XX/XX/2022. It was an XXXX XXXX  Checking Account. After opening the account in the branch, I was told by the banker that I would qualify for a {$100.00} bonus if I had performed the {$1000.00} direct deposit or more requirement. This requirement was completed on XX/XX/2022. 

I had called the customer service line around XX/XX/XXXX and they said that the promotion was in my account and that I needed to wait at least 30 days for the promotion to set in. Now, I have called twice, on XX/XX/XXXX and XX/XX/XXXX, and on both days, I have been told no such bonus exists on my account and that they are unable to do anything with it. I would like to settle this matter professionally and receive my {$100.00} bonus that was promised by Bank of America when I opened my account. Otherwise, I am looking into opportunities within arbitration and small claims court. 

Thank you and please let me know!

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 2017-01-13
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/2016 I was contacted by Freedom Mortgage and they offered my the option to refinance my home. The suggested that we go with the XXXX as the was a quick and easy process. Freedom Mortgage continued to state that they were missing information that was provided several different times. After acknowledging that they had received the correct information they then took over XXXX days to get a loan processor assigned. We XXXX months later we finally got to the final stages and I found out my current mortgage was transferred from XXXX to XXXX. I was primsed that the transfer would have no adverse affect to me during the XXXX day grace period. I ended up making my XX/XX/XXXX payment in XX/XX/XXXX as a result of the loan transfer. Freedom Mortgage is counting this as late payment and XXXX refuses to update my records to reflect that the payment was not late in accordance with the loan transfer law. We have tried to resolve this with each bank but both are claiming there is nothing that can be done. I contacted HUD and opened case # XXXX as they claim that FHA guidelines would not block with Refi under these circumstances. I am not in fear that I am going to lose out on my current locked interest rate with Freedom. Freedom has acknowledged their errors to me as well. I did not ask for my loan to be transferred and now I am being penalized as a result. Not to mention, if loan was processed within the time frame promised, I would be in this situation. I feel some of the practices on both Freedom Mortgage and XXXX Mortgage are unfair and deceptive

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 2020-03-16
Company: EQUIFAX, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of  attached XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX XXXX XXXX  ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX  has incorrectly reported two separate trade lines beginning with account # XXXX as late on XX/XX/XXXX and XX/XX/XXXX which has negatively impacted my credit ( Page 9 and 10 of attached credit report ). As per the FCRA incorrect information must be deleted as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of page 7/8 of attached XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an business account with US Bank. It is a debit card, so I thought I would not be allowed to overdraw money. But it does allow overdraft, and then charge {$36.00} for each purchase over {$15.00}. So within a week, I was charged XXXX {$36.00} penalty fees and an extra {$25.00} extended overdraft fee, altogether {$160.00}, on XXXX purchases totaling {$160.00}. They waived XXXX penalty fees of {$51.00}, but still, is n't this robbery?

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 2022-07-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are XXXX XXXX XXXX XXXX accounts showing on my Transunion account. 

- XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX converted my account to XXXX XXXX a few years ago. There is only XXXX ( XXXX ) account but Transunion is showing XXXX XXXX XXXX XXXX separate accounts - with duplicate information. 

I've attempted on several occasions to dispute this error without success. 

I spoke wXXXX on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # XXXX 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 2020-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian wont block a fraudulent XXXX XXXX account

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 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
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:
This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, XXXX and Experian. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-05
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I needed to wire funds for a mortgage closing and the bank refused to do a wire over the phone, even though I offered to sign whatever forms and fax in whatever verification they required. I do not have access to a branch because I have moved and there is no US Bank in Florida. The US Bank website says you can do immediate or next day transfers which would also help because I could transfer to a FL bank and then wire, but when I went to do that instead it would n't let me because I was above the transfer limit. I am unable to access my own money via wire and it may result in me loosing my home. This 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
Consumer complaint received 2022-07-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check for refinancing my car with XXXX XXXX drawn on a XXXX check. I did a mobile deposit with Chase and the check was put on hold for 7 business days. The check cleared but put my account in restriction. They stated the number for the company on the check was not valid and they could not verify the check. The company is a real business and print checks daily with no issue. I provided multiple numbers for them to validate the check and Chase refuses to validate and clear the check to my account. SO now I am without the funds and having to repay the finance company for the funds loaned from that refinance check. Check will not release the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAINE & WEINER COMPANY, INC.
State: MI
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:
Account Number - XXXX Caine and Weiner XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Applied for a US Bank credit card, co-branded with XXXX XXXX a few weeks ago. Just got the card a week ago and now they are stripping the most valuable benefit from this card. The benefit ( a free night on any reservation ) is still on their website and advertized to people who sign up. I find this extremely unethical and dishonest. All they offered to do is close the card, but my credit report has already been pulled and is now worse than it was before opening this card. In addition, while talking to them, their agents constantly lie and evade questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: WELLS FARGO & COMPANY
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I am trying to get Wells Fargo Bank to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. Wells Fargo stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( Wells Fargo Bank ) to collect a deficiency amount.

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.

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 2015-07-24
Company: U.S. BANCORP
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a mortgage through US Bank. Several months ago, due to my medical condition and other short term circumstances, I fell behind on my payments, during which time I submitted a loss mitigation package to give me temporary respite to get caught back up. US Bank had said they needed more information for my package ( specifically a written statement that I no longer had tenants ), but had not informed me of such. By the time I was informed, my loss mitigation package had already been dropped ( XXXX XXXX ). Now I am in danger of foreclosure. Additionally, I was told that when I submitted the required paperwork to my POC via email, the representative I spoke with told me it was n't their responsibility to check that the document was received, and had no knowledge of whether or not it was. Furthermore, I asked for protection under the SCRA, using all proper procedures, and had no response regarding that aspect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation