BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue with Navient began back in XX/XX/XXXX. I was battling XXXX XXXX. I was undergoing XXXX, XXXX treatments, and ultimately ending up having XXXX. As a result, I had to stop going to school full time and dropped to part time and had to leave my job. This forced me to use savings towards healthcare expenses and taking care of my XXXX sons. I fell on a financially rough times, and was unable to make my student loan payments. I called into Navient to explain the situation. I was told that the school will notify them of my change in status and it would still be in deferment. I went to the school and let them know my health situation. I was told by a rep in the business office that I would be fine. However, I was not, I pulled my credit in hopes of purchasing a home in XX/XX/XXXX. I saw 6 late payments. I discovered 2 late payment was reported on XX/XX/XXXX and XX/XX/XXXX and for two of my accounts. I also discovered 1 late payment was reported on XX/XX/XXXX and for another two accounts. I have several other accounts that were not affected at all. Which is baffling to me, because they were still in deferment when the other 4 accounts were not. Also during that time I was not informed that I was out of my deferment period. I sent out a goodwill letter along with Supporting documentation on XX/XX/XXXX. However, they denied my requested. I called several time to get the matter resolved. Then Navient started adding balances and subtracting balances from my accounts seems like weekly. Which has yet to be explained to me by a representative of Navient. This is also adversely affecting my credit score. I am trying to purchase a home and the frequent updates are detrimental to this process. They have not notified me in writing yet on why the frequent amount changes has been taken place. I am respectfully asking that all 6 late payments during the XX/XX/XXXX-XX/XX/XXXX be removed and set current. Also, I want all loans older than 7 years off my credit, as that is more than the Statute Of Limitations for my state. I need this done as soon as possible, because Navient is doing illegal collecting and reporting practices. Thank you so much in advanced!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX, XXXX XXXX XXXX, XXXX. Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that XXXX XXXX was going to be taking over my credit card, and everything went down from there. 
Since XXXX XXXX took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, XXXX XXXX has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

XXXX XXXX states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

XXXX XXXX is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

XXXX XXXX is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a Bureaus Investment GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both XXXX XXXX, and the collection company Bureaus Investment Group listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to XXXX XXXX, so my credit is being dinged twice by both XXXX XXXX, and Bureaus Investment Group. 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and XXXX XXXX charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a Bureaus Investment Group, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to use Experian 's online application to place a credit freeze. I filled in all requested information. After accepting my credit card payment of {$5.00}, a new screen said I could not place the freeze online. It said to upload additional information ( which it then said could not be done ), or mail in another payment with additional information. Neither XXXX nor XXXX made it impossible to place an online freeze. It appears that Experian is throwing up road blocks for its own self interest.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: LA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX XXXX, and Experian is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX acc # 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 2022-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX XXXX XXXX XXXX. Over two months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year XXXX XXXX and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TN
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:
Equifax grossly mishandled their responsibility to protect my sensitive personal information, which has led to a security breach that puts myself and millions of others at potential risk. As if that were n't enough, their handling of the subsequent fallout has been incompetent. I am extremely disappointed with how Equifax has handled reporting this breach. Nothing was done notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. The extent of their attempt to address the issue and support those affected was a website where you have to input the last 6 digits of your SSN and your name. Even  then, this website returns random results, like a message when saying I had been affected when I put in " Test '' as a  name and " XXXX '' as an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-11-07
Company: Amsher Collection Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has put a false collection report against my credit. They are saying that I owe them {$690.00} for equipment that was not returned. When I cancelled our service with XXXX I took the equipment we had ( boosters to help with the cell signal in our home ) to a XXXX store for them to send to their warehouse for return. I received a bill from XXXX after this and explained that I had returned the items to the store. XXXX claims they never got them. I contacted the store 3 times and the manager assured me that the items had been returned. The first time they were sent to the wrong warehouse but they were tracked down by the shipping tracking number that the store had. The manager said it would take XXXX takes to get this updated. I tried to explain this repeatedly to the collection agents that called me but they were rude and just wanted money that I do not owe them. I have a voice mail from the manager of the XXXX store stating that these items were returned as requested. I do not owe this money to XXXX and from researching complaints online, there are thousands of other people that are experiencing the same thing with XXXX. They should not be allowed to get away with this type of scam. This is the second time that XXXX has put this on my credit report. I disputed it the first time and it was removed and then they gave the claim to another collection agency and the phone calls and harassment started all over. This is just plain wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: ESCALLATE, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate , LLC and has been on my credit for several months. Due to the contract between XXXX and the City, I am not responsible for the bill.

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 2015-03-23
Company: Residential Credit Solutions, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Residential Credit Solutions XX/XX/XXXX. RCS does not accept automatic bank transfers, our bank, XXXX XXXX XXXX, must send a paper check to RCS for our mortgage if we use online billpay. The first sign of trouble came XX/XX/XXXX when we paid our mortgage XX/XX/XXXX. We paid on XX/XX/XXXX it was withdrawn from our account on XX/XX/XXXX, and not applied until XX/XX/XXXX, a total of 9 days. We were charged a late fee for this payment. I wrote RCS and the late fee was returned. Over the next few months, payment delivery times varied, but were normally between 5 and 7 days between the time I requested the payment to be made and the time the payment was applied. 
XX/XX/XXXX : payment made on XX/XX/XXXX, withdrawn on XX/XX/XXXX, processed XX/XX/XXXX. ( 8 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received and processed XX/XX/XXXX ( 5 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX Payment XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX payment XX/XX/XXXX, received XX/XX/XXXX processed XX/XX/XXXX ( 6 days ) The problem was with XX/XX/XXXX. The payment was made XX/XX/XXXX, received XX/XX/XXXX, and processed XX/XX/XXXX ( 15 days ). We were again charged a late fee, even though the money was received before the end of our grace period. We have been told they will not refund the late fee this time, even though it is obvious that the processing time was in some cases THREE TIMES as long as in previous months. 
This seems extremely suspect. The closer to the end of the grace period, the slower that RCS processes payments, but the more {$73.00} late fees they can charge for " late '' payments. In 20 years of homeownership, we have never made a late mortgage payment and yet RCS has managed to say that twice in 6 months they have n't received it in time to process before the due date. No bank XX/XX/XXXX should not be able to accept ABTs. The only way RCS will take an automatic payment is through XXXX XXXX for an additional fee. This is absurd and is outright piracy of people who have no control over who services their mortgage. These fraudulent fees are not fair to consumers when the control on processing time is completely controlled by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Wednesday, XXXX XXXX, XXXX, I purchased tickets for a show. I made a payment to the seller via Chase XXXX in the amount of {$400.00} around XXXX XXXX. The seller did not send the tickets as agreed, rejected phone calls and did not respond to text messages. At XXXX PST I called Chase Bank to alert them of fraud. XXXX, who was the representative I spoke to in the Fraud Dept/Fraud Investigations Dept said that the payment was made to another Chase customer. The account had only recently been opened, and the name that the seller gave me did not match up with the name on the account. They also said from what they could see on the account this customer had a history of incoming XXXX payments coming and immediate withdrawals, which he felt were a warning sign. XXXX, the fraud specialist, then submitted an automated request that the account holder return the funds due to fraud. XXXX then said there was nothing further he could do on the phone and suggested I go into a Chase branch the following day ( by this time it was last XXXX PST and branches had closed ), and speak with a branch manager. The following day, XXXX XXXX, XXXX, I went to Chase branch ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and spoke with a Personal Banker, who suggested we call the fraud department. She was also unable to come to any sort of resolution. I asked that the issue be raised to a branch manager. The branch manager, XXXX XXXX, then opened a branch dispute which is seen by a Branch Complaint Escalation Group. She too was unable to find a resolution and raised it to her XXXX, XXXX XXXX XXXX XXXX XXXX, ext XXXX ) was also unable to resolve the issue as well. The fraud issue was then raised to her manager, XXXX XXXX. Through the numerous calls and conversations with Chase, all the employees said they understood that fraud had occurred and that the other party was a Chase customer, for which they have a name, number, address etc but they could not do anything. They all also understood that the account was only recently opened by the customer, the name given to me and used for the transfer of funds did not match the name on the account, and the other party had a history of similar transfers and immediate withdrawal. Chase has taken no action to resolve the issue and have violated the BSA Patriot Act XXXX federal law ), as they are knowingly allowing fraud and have n't not taken any action to resolve the ongoing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: U.S. BANCORP
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I called Citizens Bank to ask them to close my account with a balance of {$8.00} and they said that they will proceed to mail me a check. I called again in XXXX to get an update but their customer service call center said their call volume was too high to accept calls. Today, XX/XX/2022, I found out that they were charging me {$5.00} per month and refused to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help 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 monetary relief