BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I USED MY XXXX ATM CARD @ USbank ATM IN XXXX GROCERY STORE ON XXXX/XXXX/16. I REQUESTED A {$500.00} WITHDRAWAL. I 'VE DONE THIS FOR SEVERAL YEARS AT THIS ATM. I USUALLY GET XXXX BILLS 0F {$20.00} DENOMINATION. MY RECEIPT SHOWED A {$500.00} WITHDRAWAL, & WHEN I IMMEDIATELY CHECKED FOR ACCURACY @ THE CUBICLE TO THE LEFT OF THE MACHINE, I DISCOVERED I HAD XXXX {$20.00} BILLS, XXXX {$5.00} BILLS, & XXXX {$1.00} BILLS FOR A TOTAL OF XXXX BILLS WORTH {$390.00}! 
I IMMEDIATELY WENT TO THE USbank BRANCH NEXT TO THE ATM TO THE ATM MACHINE & COMPLAINED TO A TELLER. 
SHE CALLED HER BRANCH MANAGER, & HE DECLARED THE ATM MACHINE HAS NEVER BEEN WRONG. HE ALSO SAID I HAVE TO FILE A CLAIM THRU MY BANK ACCORDING TO REGULATION E. 
THIS ALL OCCURRED WITHIN ABOUT 15 MINUTES. 
THE ONLY STATEMENT I COULD GET FROM USbank WAS THE BRANCH MANAGER 'S BUSINESS CARD. I CALLED XXXX WHEN I GOT HOME & FILED A COMPLAINT. ON XXXX/XXXX/16, I CALLED USbank & WAS TOLD THE SAME BALONEY, ALTHOUGH THIS BANK EMPLOYEE ACKNOWLEDGED ATM SHORTAGES ARE XXXX XXXX & BLAMED XXXX OR WHATEVER COMPANY SERVICES THE ATM MACHINES. I ALSO FILED A POLICE REPORT WITH THE XXXX PD, NV ON XXXX/XXXX/16. HOWEVER, ON XXXX/XXXX/16, XXXX PD INFORMED ME THAT THIS WAS A CIVIL MATTER! THUS A USbank ATM SHORT- CHANGED ME {$100.00}, & THIS IS CONSIDERED A CIVIL MATTER. I CLAIM THIS IS OUTRIGHT " THEFT! '' I RECEIVED XXXX BILLS & ONLY XXXX WERE {$20.00} DENOMINATIONS. THE ATM MACHINE EITHER XXXX UP OR SOMEONE ( S ) XXXX WITH THE MACHINE!

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 2016-07-12
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted US Bank and told them there was an error on my XXXX credit report - US Bank showed an account ending in XXXX with a balance of {$270000.00} ; this amount shows on my total mortgage debt ; this is a past mortgage that was paid in full when I refinance my home ; they wrote back saying it was an error in reporting and that they would correct the error on my credit reports - that was 2 months ago ; - the account shows it is still open with a balance of {$270000.00} - XXXX - ending account number is XXXX - they have not removed this balance which shows I have {$270000.00} more in mortgage payments than I actually have ; they are doing this because I have my current mortgage with them and the additional amount on my credit report is making it difficult to refinance with someone else at a lower rate -they need to get this account off my credit report and show a {$0.00} balance

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 2017-05-11
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX / XXXX /  XXXX   Received calls at  XXXX   XXXX  EST and  XXXX   XXXX  from  XXXX . No message left. I am inundated with telemarketers and scams ( and have had several credit card compromises  )  so I rarely answer an unknown call and always look the number up online. I found several comments indicating this was  ARA Recovery  and they were either trying to collect an old debt or and IRS scam. I blocked the number  XXXX / XXXX /  XXXX   Received a call at  XXXX  from  XXXX . No message left. I looked it up and similar comments -  ARA Recovery. I  blocked the call. I bet I 'll get another call from a different number later today or tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received several phone calls fr om Portfolio Recovery Corp regarding  an old  XXXX   XXXX  bill. I informed this agency I would never pay that because the charges are for roaming outside of my calling area. these charges are inaccurate. the roaming should have been covered under my then phone plan. Upon receiving my first phone call from this agency i specifically requested they not contact me anymore. I specifically requested a cease and desist but yet they continue to call. Since I never granted express consent their constant calls are violations of the TCPA. Today I received a notice from them regarding the same. I am unsure why they continue to call and send notices after i have requested a cease and desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US bank has not only breeched my security by giving someone the balance on my account and allowing them to make a small deposit to cover a check that was not suppose be cashed until I notified them on the deposit I made on the following Monday. They also allowed someone to stop payment and reverse the charges 11 days after the check cleared the bank. Now that person has the goods that I provided them through my business and the money.

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 2017-05-11
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:
To whom it may concern,  XXXX   XXXX ,   XXXX   I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which wa s Inquires are  a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be inve stigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In  best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed an XXXX credit card with Transunion on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Transunion has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Transunion send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Transunion verified this account and Transunion will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law

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 2016-07-24
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My end of lease excess mileage cost was calculated incorrectly. The company will not fix it and has ruined my credit.

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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX    XXXX   XXXX   5.   XXXX  XXXX   XXXX   XXXX   6.   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 2016-06-10
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.

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 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK. 
Transunion removed the BK once I supplied them with my police report and other pertinent documentation, however they re- inserted the BK back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the public record account still remains on my credit even though it is not mine!! 
BK XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been doing what I can to get my short sell finalized. US Bank are the worst. After denying a few offers this gentleman offered what the bank wanted. He waited almost 2 years for them complete the view everything was done but after patient running he withdrew his contract. I got put in this situation because they refuse to except my payments because I had a temporary job and I would need to pay back all the money to get caught up before they I can apply for loss mitigation. I feel they are no not trying to let the house be sold. I do n't understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: AMERICAN EXPRESS COMPANY
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
on my couple of cards, there were transactions which were not approved by me. i tried to dispute with a credit card companies but they were not listing to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my  2nd  complaint to the CFPB concerning  SCA  collections. The company has responded and advise me that an itemized bill has been sent from the original creditor. As per the documents sent to  SCA  Collections on  X/XX/17    I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a  3rd  party agency.  SCA  has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting. I have provided the original certified document along with the 2nd document requesting  SCA  to provide a contract of medical release and medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In the past 6 months I have sent my mortgage payment, through my auto checking account on the XXXX of the month. The mortgage co has charged me a late fee on both occasions. The bank, XXXX XXXX shows the payments were sent out on the XXXX of each month but the mortgage co says they were received after the XXXX and charged me a late fee. I can not get my problem resolved and am t5old it is my problem. The bank is sending these payments on time but the mortgage company does nothing to correct the situation. I have no way to find out why these payments a being late with no help from the mortgage co. Also my escrow account is screwed up and they have done nothing to correct it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: ALLY FINANCIAL INC.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, 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 status incorrect

Complaint:
RE : Equifax and  XXXX  Credit Repor t A 2 rel ated creditors are still listed/showing on Equifax Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s  ) Principal/Nationstar were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   XXXX   XXXX  Florida discharge documents as well to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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 belongs to someone else

Complaint:
I sent my letter off XX/XX/XXXX I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be XXXX address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Multifamily XXXX 3. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX 4. XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 5. XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 6. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report 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 non-monetary relief
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When  XXXX  made the change from  XXXX  to Visa,  XXXX  issued me a new credit card. I am also a   XXXX   banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out v ia   XXXX   XXXX     credit score mon itoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX   membership fee ( automatically ) on that card, and was never told about it. By that point my payment   was about 6 months late and had an addition   XXXX   dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX    dealt with this situation poorly.      However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell b y   XXXX  points  , and has recovered    XXXX     points  in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

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 2021-02-06
Company: EQUIFAX, INC.
State: NJ
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:
I submitted a dispute to Equifax and XXXX  on XX/XX/2020 and I still haven't heard back from any of them. It's been way over 30 days and I demand for the accounts listed on my dispute letter to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NC
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 request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation