BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. XX/XX/XXXX I made a deposit {$500.00} personal check thru atm machine at US Bank in XXXX XXXX Mo. Deposit made. The machine asked if I wanted a receipt. I said yes. Then the machine went offline and the machine kept my card and the check. My wife went on your app and locked the card and called the bank and spoke to XXXX on XX/XX/XXXX and was told to come by the bank that afternoon to pick up the card. XXXX was going to cancel the atm transaction and redeposit the check. I was unable to get to the bank that day so I went thru the drive thru on XX/XX/XXXX. I was told XXXX called in sick with my card locked in her desk. I asked the bank to call me the next day to make sure I could get my card. No one called so again I went thru the drive thru. Was told XXXX called in sick again. I asked for a temporary card. On the XXXX the funds were available. I went out of town on the XXXX and when I checked my account that evening, my account showed a {$500.00} withdrawal. I did not withdrawal {$500.00}. Monday the XXXX, my wife called the bank to speak to XXXX and was told she was on vacation. XXXX said someone withdrew the funds. XXXX told my wife that XXXX made a claim for lost deposit. I came home from work with a letter in the mail from US Bank so I called the 24 hour service. I explained my situation. The woman put me on hold to call the branch. The woman came back on the phone and said she tried to call the bank numerous times but someone kept hanging up on her. She said I will try calling again. She came back on the phone and said they don't know what happened and XXXX left at noon. She said call XXXX tomorrow and if no resolution, call us back. So today, XX/XX/XXXX, I called and XXXX said someone withdrew the {$500.00} from and atm machine. I told her that my card allows a {$300.00} limit at the atm. I asked if they take a picture of the person using the atm. She said yes. I asked to see that. Was told no. I asked why haven't you looked. My card is still locked up and the card is locked. No one is looking at the atm pictures. I still have no funds. This is very frustrating. What is my recourse?

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 2016-01-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Late XXXX/Early XXXX I contacted Barclay Card US to dispute a merchant charge From XXXX for XXXX due to me not receiving the product that I ordered. 2 months pass with no contact from Barclays then I log into my account to see that the charge had been charged back to my account. I contacted Barclay Card US again on XXXX/XXXX/16 when I noticed the charge had been charged back to inquire why and they stated because the merchant was able to provide my Name and Address. My reply to them was " The whole reason the dispute was submitted was because I never received the Product '' I never stated that I did not place the order with them. So It does n't matter if they were able to provide my name and shipping address If I never received the product and that is the reason the dispute was submitted. I also tried to contact the Merchant XXXX regarding the charge and to request a Shipping tracking number. The Merchant never responded after numerous attempts to contact them and numerous emails sent. No shipping confirmation was ever provided. And I 'm 1000 % sure they were not able to provide any shipping information to Barclay Card US. I need this charge and all interest associated with it to be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Choice Recovery, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several calls from XXXX in an attempt to collect a debt. I have pulled my credit report and there are no accounts in collections. They keep calling from different phone numbers. The calls begin around XXXX AM and I receive several calls throughout the day. I have nothing in collections and all of my accounts are in excellent standing. I have worked so hard to improve my credit and I pay all bills on time always. 
I looked at the complaints on the XX/XX/XXXXwebsite and there are hundreds of complaints that are similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continually get robo calls with the message " Hello, this is Harris and Harris limited. We are debt collectors. Please call us at XXXX XXXX XXXX our office is open Monday through Thursday from XXXX To XXXX Central standard time Friday from XXXX To XXXX Central standard time and Saturday XXXX To XXXX Central standard time. Thank you. '' I do not have any outstanding debts and the caller does not address me by name. This appears to be phishing scheme to capture my phone number for further harassment. How can these calls be stopped. I have been on the Do Not Call list for nearly ten years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification from XXXX on XX/XX/XXXX1 that a derogatory account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported multiple derogatory accounts and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a letter from an attorney 's office saying they took over my XXXX account so I faxed in the letter asking for them to remove the XXXX account off my credit report since the account is no longer with XXXX and the new creditor is not reporting it at this time. They updated the balance and still have it showing from XXXX even when I submitted documentation. XXXX can not report an account they no longer have. Equifax is the only credit bureau who does n't do what they are suppose to do. Even with My XXXX XXXX account they have never been able to validate the account only the original creditor who is not reporting. By law the collection agency has to have documented proof. Equifax needs to remove this account off my credit report like the other CB. I 'm going to start notifying the press and whoever else that will listen because apparently they do n't know the laws for reporting and validating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I, XXXX XXXX XXXX received a letter from Bank of America on Monday, XX/XX/2020 stating that they have immediately closed my account as my profile risk factor is no longer acceptable to the company. I have attempted to reach them by phone several time, however I could never get through to talk with an associate. The letter said that any pending purchases may be declined and that any reward points would not be honored. There was no explanation for the cancellation. I have timely payments, my credit score is in the high 700 's and I am employed full-time. My balance is substantially lower than my credit limit. I can not believe that their action is legal or ethical, particularly during time when financial institutions should be helping individuals and families that are feeling a hardship from the pandemic that is taking place. I am not sure what I am being discriminated against and I am unsure of what damages I might receive from this action playing a part in my credit rating. I want answers. 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 explanation
Consumer complaint received 2017-05-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was askin g for Loan Modification and Ocwen was always sending me Pay off Qoutes. I enclosed under your discretion that the L oan I originated from them since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date. Attache d is Ocwens p ay off valid through  XXXX   XXXX . Please analyze the following invalid descriptions on Ocwens Pay off Quotes such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not  valid Ocwen 's Description expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Ocwens claim. Ocwens Pay off Quote should be corrected in the right way. Ocwen is doing business with their mortgagor like me were faulty and unlawful. I want Ocwen to remove descriptions that are not legal. Ocwen is obliging added invalid fees for me  to pay them more that are not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in XXXX 2016 and that there was an overage in my escrow account ; I was owed {$330.00}. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold {$15.00} as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I escalated this to their customer advocacy group without success. They mailed me a check for {$320.00} ( minus the {$15.00} ). It frustrates me that the bank believes that they have no responsibility to return the money owed to me apart from dropping it in the mail. Turn the tables, imagine if a mortgage payment was lost in the mail ; I doubt US Bank would let me charge them {$15.00} to reissue another payment. I have been a long time customer and am discouraged that the bank would go to such great lengths to withhold {$15.00} from a customer.

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 2017-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2020-03-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity bank added a {$39.00} late fee after my account was paid off. Did not notify me and then added another {$35.00} late fee because I didn't pay the original late fee. Called to dispute the late charges and was they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2020 I noticed unauthorized transactions on my account after my account went into negative status. I contacted the bank to file a complaint and dispute the transactions done thru XXXX XXXX on my account. This totaled {$8500.00}. I never authorized anyone access to my account. I did receive a link to my phone that stated it was XXXX XXXX. I never filled out anything with that link. Navy Federal is indicating based on me sharing with them that I received a link, the number of times I logged into my account and based on how a rep noted my account my {$8500.00} that was stolen out of my account is pretty much my loss. After filing this claim my debt card use was blocked THAT IS UNACCEPTABLE.. I spoke with a VERY RUDE XXXX agent a guy from the card fraud dept around XXXX and XXXX who noted a lie on my account. This has caused me to be at a loss of {$8500.00}. I do not remember the guy name, but he was in the card fraud services dept. I would like my debit cards unblocked and my funds back in my account. someone stole my funds using XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: OR
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation