BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
my parents have checking account with US bank. My father was financial one.They were overseas and father died in XXXX. XXXX is sick staying in XXXX ca n't make it back. We arranged for me to be her POA and file that with US bank. There were unauthorized charges made on mom 's debit card. We have filed this with fraud department. her card was cancelled and took 2 months to receive new XXXX after numerous calls which XXXX cost my mom {$250.00} because calling from XXXX. Bank 's free ph # did not work from my mom 's location.Here only access to her funds is with her debit card getting money from atm. We have repeatedly told US bank not to use her temp address in XXXX as it prolongs any procedure. She has local XXXX XXXX XXXX that we supplied bank with. And again some form necessary to return in given time was mailed to XXXX which resulted in not being returned on time and her card is on hold so again no access to her funds and to her social security checks! This time I tried calling again fraud dept after 40 mins and after XXXX different people no one could help me and I got hang up on. Local branch ca n't help I was told we have to deal with fraud dept. I tried calling again after 15min hold I had to hang up I 'm at work and ca n't spend half day on hold. This has been the worse institution to deal with ever and specially considering it is about my elderly sick mother who is still mourning her husband and should not have to deal with this! This is just a nutshell we have been dealing with this since XXXX XXXX, 2016. I am very disappointed and do not know what else to do to get this solved.

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 2015-11-23
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts

Company public response: Company 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: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: U.S. BANCORP
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account at US Bank. I went to XXXX XXXX XXXX XXXX XXXX, 2016. I used my debit card. After I returned to XXXX starting XXXX XXXX through XXXX XXXX, 2016 charges were made on my account in XXXX XXXX XXXX, and I also was penalized with NSF fees due to those withdraws.

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 2016-01-06
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Other

Complaint:
During the months of XX/XX/XXXX and XX/XX/2015, {$720.00} in cash advances were made via XXXX XXXX, with my Discover card. I was charged {$10.00} per transaction making the total XXXX. These transactions were made nine times. These were not authorized by me. 
I am set up for fraud alerts but I was not alerted to what was happening and so I was unable to stop the transactions. But for their failure to provide fraud protection as promised I would not have this charge on my account. 
If these suspicious transactions do not trigger a fraud alert, then what does. 
I have written to the company many, many times and have not received one written reply. 
Curiously, when I signed up on XXXX I got a fraud alert! That 's so funny! So I called them and while I had them on the phone I asked about the cash advances and they said that since my son made them that they are not liable. I was shocked. My son was not authorized to make those advances. What gives them the right to say that he is authorized to do so? 
In any case, their fraud alert did not work as promised. I should n't have to pay the fraudulent charges. Thank-you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had originally had XXXX HELOC accounts with XXXX XXXX, XXXX for {$110000.00} opened in XX/XX/XXXX and another XXXX for {$65000.00} opened in XX/XX/XXXX. These loan went delinquent and were ultimately settled. BOTH of these accounts have MORE then 7 years since date of first date of first delinquency and should therefore not be reporting on my credit file. PNC, which took over XXXX XXXX, has engaged in an illegal practice called " re-aging '' to indicate as if NEW delinquencies had occurred on the FIRST of these XXXX loans and therefore it IS updating on my report as if I 've RECENTLY become delinquent on it while in fact that account has had NO activity for the longest time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX allowed someone to open a cell phone account in my name some time in XXXX without verifying my identity. This person apparently didn't pay the bill and the account went to collections. I noticed this collections account when it appeared on my credit report in XX/XX/XXXX. I immediately disputed the fraudulent account with XXXX XXXX XXXX, as well as their collection agency Sunrise Collection Services. I was told that the address used to open this account is over 50 miles from where I live, and I have never been associated with that area in any way. I have never used the phone number assigned to this account in any way. Doing a XXXX search for the phone number on this XXXX XXXX XXXX account brings up a person who lives near the location where the account was supposedly opened. Yet XXXX XXXX XXXX can't be bothered to do an investigation, they insist that the burden of investigating this matter rests solely on me ( the victim ). Other than a broken website, some automated bots, and a very limited call center representative, there are no good methods of pressing this matter any further with XXXX XXXX XXXX, so I will be filing as many complaints as I can and publicizing their incompetence as much as possible until I get their attention or give up and file a lawsuit. 

I filled out the paperwork they sent me to dispute the collection, I filed a police report as instructed, I sent my ID and other proof of my identity, yet my dispute was immediately denied because I was not able to immediately receive a copy of the police report ( XXXX ) while it remains " open and under investigation ''. At this point, I have tried disputing with the credit bureaus, disputing with the collection agency, and disputing with XXXX XXXX XXXX. None of which have been helpful or productive. The next step is a lawsuit. The financial damages caused to me by the negligence of XXXX XXXX XXXX are adding up quickly. XXXX XXXX XXXX you are fully responsible for allowing someone to open credit accounts in my name without verifying my identity and I will not rest until you are held accountable.

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 2015-11-25
Company: WELLS FARGO & COMPANY
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have repeatedly disputed this with both Wells Fargo Dealer Services and the credit bureaus. A late payment is on my credit report in XXXX XXXX. The initial problem with this payment was mine as my bill payment was not made as set up on my bank account. 
However, the payment was NOT 30 days past due. The due date was XXXX/XXXX/XXXX and the payment and an authorization was submitted by WFDS to my credit union on XXXX/XXXX/XXXX. I was told it would post on XXXX/XXXX/XXXX and they posted it on XXXX/XXXX/XXXX. This caused the payment to exceed 30 days past due. Multiple disputes have had no results. As a result, the loan was paid off in XXXX XXXX and refinanced with another lender.

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 2016-03-29
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
1 ) I had a traditional Individual Retirement Account ( IRA # XXXX ) with PNC Bank, invested in a XXXX Fixed Rate Certificate ( CD # XXXX ). The IRA and the CD were originally opened with XXXX XXXX XXXX Bank XXXX XXXX XXXX, and were acquired by PNC when XXXX merged with it in XXXX XXXX. The CD was most recently renewed for a 24-Month term on or about XXXX XXXX XXXX. 
2 ) I received an account Maturity Notice from PNC on or about XXXX XXXX XXXX. This Notice stated that the CD would mature on XXXX/XXXX/XXXX with a value of {$4200.00}. It also stated that, unless otherwise directed, the CD would be automatically renewed for an identical term, at a rate to be determined on the Maturity Date. 

3 ) The above-referenced Notice and the original agreement provided, inter alia, for a grace period of ten ( 10 ) days beyond the Maturity Date for making penalty-free changes to and withdrawals from the CD. 

4 ) On or about XXXX XXXX XXXX I mailed a Direct Rollover Transfer Request to XXXX XXXX XXXX bank ( XXXX ), asking that the entire proceeds of the CD at PNC be transferred on the Maturity date to my IRA account at XXXX. This was done in a form provided by XXXX, and included full particulars of the IRA and the XXXX at PNC. 

5 ) After telephoning me in the following week to verify all particulars of my request, XXXX sent me an email on XXXX XXXX XXXX, confirming that they had sent the Transfer Request to PNC Bank for processing. PLEASE NOTE that this was a full twelve ( 12 ) days before the end of the grace period for penalty-free withdrawals from the PNC account. 

6 ) After a delay of several weeks, XXXX confirmed that an amount of {$4200.00} had finally been received on XXXX XXXX XXXX from PNC. On or about XXXX XXXX XXXX I also received a notice from PNC ( mailed on XXXX XXXX XXXX from ZIP Code XXXX ) confirming the closing of the account and the transaction amount, but without any other accounting. 

7 ) This unexplained discrepancy between the maturity amount and what was ultimately transferred leads me to conclude that PNC Bank had willfully and intentionally delayed transferring the funds till after the grace period had expired. Then, invoking the early-withdrawal penalty provision, they had confiscated {$24.00}, which exceeded even the {$21.00} the CD had earned over the preceding 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Have two issues with my wellsfargo accounts : 1 ). the bank continue to charge me overdraft fees on online transfers and when the balance is just under XXXX they have charged me over XXXX dollars in fees in the last 4 weeks. 
2 ). the bank in XXXX double paid my employees payroll after they did n't process the direct deposits and we than voided that payroll. Because they could not retrieve the funds back from some of the employees that they double paid inert, they debited my business account and over drew my account by over XXXX they have records of where I called and they directed me that I had to pay my employees manually and we therefore voided the payroll. The bank refuses to take accountability. 

3 ). because of the payroll issue the bank started taking the money from my rent account to cover the payroll overdraft that they created. They than removed money from my rent account, bounced my rent checks for my business than cause my rent account to be overdrawn by over XXXX. Again, the bank is not taking any accountability and feels like they can do whatever they want to me and my business accounts. The bank has put my business in financial jeopardy. They have charged my in all my business accounts close to XXXX in incorrect overdraft fees in just the last 8 weeks alone.

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 2016-10-12
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My home was burglarized and a theft took a lot of my belongings including my social security card and my ID. These inquiries should not be on my report for XXXX XXXX REP XXXX. XXXX, XXXX, EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC Bank services my mortgage loan on my house. I live in Illinois, where " dual tracking '' is illegal. I was being processed for workout options .... ie ... my hardship package was " under review '' .... and yet I was still being pursued in XXXX county courthouse for foreclosure complaint, complaint for default judgement ... etc ... .The same day I was offered a forebearance agreement to sign from PNC bank ... they filed the Complaint for Foreclosure!!! 
Please investigate them.. My case number is XXXX. I filed for a hearing on motion to strike their complaint and their motion for default judgement. Thinking of counter sueing them. Any thoughts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2016-11-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
2 1/2 years ago I submitted a withdrawal request to Wells Fargo and I have yet to see my money. I was stupid enough to invest in the 401k plan that was offered by my employer XXXX and I have been lied to repeatedly. I have compained to everyone from the XXXX to the DOL to the FCC and everyone seems to think it 's ok for me to be treated like this. I realize what a fine upstanding crew they have over there at Wells Fargo but I 'm feeling slighted for some odd reason. I mean if I had their money and would n't give it back you can bet they 'd be collecting interest at the rate of about 25 % not to mention late fees in the amount of XXXX dollars a month. This is criminal behavior and I would like to see some type of action taken before I lose it all due to plummeting stocks thanks to the integrity of Wells Fargo.

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