BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
American Express allowed a hacker to access my savings account and change my password thereby locking me out. The hacker then changed my email to their own and I no longer received statements as AMEX then sent them to the hacker not me. I did not find out about this until XX/XX/2022 when I tried to access my account as I needed my money for upcoming bills. When I tried to access my account, I found that my password no longer worked, and I was locked out of my own account. I IMMEDIATELY called American Express and we determined that my account had been hacked as per above. The hacker opened an account in my name and then transferred all my money into this account and then subsequently into his own at account XXXX XXXX XXXX. AMEX promised they would have this all resolved within XXXX - 10 days and if not the money would be replaced into my account until they have so I could pay my bills in the meantime. Their own website states that account holders are only responsible for the first {$50.00} if unauthorized transactions are reported within XXXX business days after learning of the loss, which this clearly was ( as it was reported to the listed AMEX phone number within XXXX minute ). It has now been over XXXX XXXX weeks, and AMEX seemingly has still not made any progress or honored their commitment after numerous calls by me and numerous unanswered calls/voice mails..., leaving me with a list of bills to pay and no readily accessible funds to pay them with. When I do get through to someone, they tell me how small the AMEX fraud department is, and that they are just overwhelmed with fraud complaints and that they will eventually get to mine. I must say that their representatives have all been very kind and seemingly understanding on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX/XXXX/2016 I contacted XXXX XXXX XXXX to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had XXXX XXXX informed me correctly I would have used other options to pay them.

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 2016-09-27
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am filing a complaint against u s bank home mortgage.took XXXX and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from XXXX to XXXX as a result of this. and yet they now as of we finalized it all in XXXX of this yr and they marked that payment late on my credit. when XXXX payment was XXXX XXXX and are now say my escrow is XXXX dollars behind and i have a letter that states we owe XXXX thought this was clean slate fresh. nothing to pay in the rears cuz we have a mortgage over XXXX hire then we started. they get angray when we call hem out on it and they say my house ins is behind when it came out of my bank auto pay till they took it over. etc. i need help trying to figure out how they can duble charge me higher mortgage and behind escrow there wrong and we cant afford all this the house it not worth what there hitting us with ..

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 2022-10-20
Company: EQUIFAX, INC.
State: CA
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's been brought to my attention that Experian has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2022-10-20
Company: MOHELA
State: CA
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:
Mohela has taken over XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Mohela has STILL not certified my payments made to XXXX XXXX prior to XXXX taking over in XXXX. I contact XXXX XXXX and they informed me that all payment information was sent to XXXX and Mohela. 
Because of the NEW PSFL rules, I currently do qualify for forgiveness, but this must be done before XX/XX/XXXX. 
It is obvious to me that Mohela is attempting to postpone the certification of older payments until after the deadline in a effort to prevent my loan from qualifying for XXXX. 
I know there are many others out there with the same problem and I bed the government to get involved and force these companies to comply. 
Unfortunately my old student documents were in storage during and were lost in California wildfires. I am now unable to get copies of these old documents. 
I hope any one else with this issue will contact CFPB. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I submitted information on XXXX XXXX 's website. We were looking for a refinance with cash out to do home improvement work. Quicken Loan 's contacted us. After a conversation with XXXX XXXX XXXX, a Senior Power Banker there, I told her we were not interested as their fees were much higher than we had been quoted else where. We have since received XXXX sets of documents for them as if we are proceeding with the loan. I feel this is very predatory in nature.

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

Complaint:
This is a formal complaint that XXXX, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a new promotional offer from XXXX XXXX XXXX XXXX XXXX ' credit card offered by CITI Bank in the month of XXXX 2015. The promotional offer was for purchasing a new phone from XXXX XXXX XXXX ( Using the link provided ) and then get a refund up to {$650.00} as a statement credit. Below are the details of the offer ( Also available at this link : XXXX Offer details ( Copied form the link above ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Spend {$2000.00} in purchases with your XXXX Card within 3 months of account opening. 
Use your card, now or later, to buy a new phone from XXXX XXXX XXXX, at full price and with no annual contract. 
Make your phone purchase using your unique phone offer link ( which will be provided to you ), activate and maintain service with XXXX XXXX XXXX for 15 days. If you buy a new phone now it will count toward the {$2000.00} in qualifying purchases! 
Citi will then credit your XXXX XXXX XXXX XXXX XXXX XXXX account for the cost of the phone up to {$650.00} ( exclusive of taxes, shipping, fees & wireless service ). 
Phone Offer Credit is not available if you have had an XXXX XXXX XXXX XXXX XXXX XXXX account that was opened or closed in the past 18 months. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Now, I made more than {$2000.00} in the first three months and also purchased a new phone using the offer link from XXXX XXXX XXXX. I fulfilled all the required criteria to be eligible to receive the {$650.00} statement credit. But unfortunately I did not receive the {$650.00} statement credit. 

I tried to resolve this issue by calling their customer service many times, but the issue remain unresolved. Initially the customer support executive told me that the credit will be applied to my next statement but the credit was never applied. 

I have all the necessary proofs and I will provide them if required. 
Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Foris DAX, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I wire transferred XXXX. To XXXX and then transferred into usdt, then deposited into XXXX platform. The XXXX refuses to allow any withdrawals until i send them XXXX. XXXX will not return my money for their mistake sending my money to a scam website. XXXX knows what websites are scams yet they continue to allow transfers to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Credit card with U.S. Bank and was approved for {$1000.00}. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representative told me the card was the wrong credit card for me. Yhey are using my good credit to hold me as hostage to this credit card knowing it will hurt my credit report. So now I 'm XXXX if I do and XXXX if I do n't. If I keep the card it will hurt my credit report and if I tell them to close an account I did n't open it will hurt my credit report. Is n't that what the " Consumer Financial Protection Bureau. I have a XXXX credit score and now it will be damaged by U.S.Bank because they are greedy and do n't do the right thing for consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I received an international transfer of funds into my checking account on XX/XX/2022 at a low exchange rate. I have checked with numerous websites. I have called my bank, USbank foreign exchange department asking what rate of exchange they gave me on that day. I was told that they receive rates from the federal reserve every day. The federal reserve website for that day gave me the same rate that I had found online which was much higher than what USbank gave me. I sent an email to the CEO of USbank I then received an email back saying that they would resolve this promptly. This last week I received a voicemail from the CO Head of the XXXX Team asking me to contact her. She also had sent me an email on another day. So I returned her email saying that I would contact her today the XXXX XXXX at a certain time, I'm PT she is CT. I can not get her on the phone she's always on a conference call. Now it is over an hour and a half later and I feel like I'm getting the run around. This bank owes me anywhere between {$2000.00} & {$2700.00} because of the low exchange rate that they gave me compared to the federal reserve rate where apparently they get their rates everyday. The USbank personnel so far have not been very helpful, abrupt and off putting. I am not getting the customer service I deserve after having banked with them for, now 22 years. I also am receiving pensions from my own country BUT at what exchange rate? This is another query I have with them because nothing is detailed on my E- statements. No amount of foreign currency coming into my account and no mention of the exchange rate for the day that it was wired. Surely, there is a breach of international trading here? This incident that I am reporting is part of my pension and I feel like this money is being stolen.

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: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I found myself in need of having to modify my loan. I have had the worst experience with US Bank and especially with XXXX XXXX my so-called relationship manager. Not only does she not know how to speak to a customer but her lack of knowledge was reprehensible. I tried multiple times to speak to her supervisor but with no success. I also attempted to change relationship managers and that was also not done. When we finally decided to accept the modification, we sent in the payment as well as an escrow amount that was owed only to have the escrow amount misapplied. After multiple calls it has not yet been corrected. XXXX department tells me XXXX thing and the other tells me something different. At the end of the day, it has been over 20 days that my payment was misapplied and has not been corrected. My payment is XXXX it should be and have been told I need to wait over 2 months for the error to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Chrysalis Holdings LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My dad was the victim of a XXXX XXXX, that ultimately XXXX XXXX XXXX XXXX. I spent a lot of time trying to deal with NewDay USA to pay his mortgage until we could get it sold. As expected, they stonewalled. Meanwhile we prepped the house for sale and I kept XXXX apprised of every detail. XXXX week before the house closed, they unlawfully entered the home, changed the locks, and winterized the property, damaging a toilet and completely breaking the dishwasher. Their reasoning was it looked vacant. Which is was, because dad was dead. I had made XXXX payments, they were notified of the house being under a purchase agreement, and knew the closing date. They are refusing to pay for cleaning and damages and will not accept responsibility for illegally entering a home they had no right to. In their response to me they indicated no damage or dirt was noted, in spite of the videos showing running water from a toilet where it shouldnt be running, and water running on the outside of the dishwasher. Everything had been in working order prior to that. My husband and I had to quickly fix and clean the house again, and NewDay USA has used that against me, stating I refused to meet with their person to inspect the home. The person contacted me the day before I signed the closing documents, and no one had reached out to me for several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/XXXX I placed an order on the Macys.com website with a total of {$590.00} using my Macy 's Credit Card. On XX/XX/XXXX I received an email saying that half of my order was back ordered until XX/XX/XXXX and I canceled this part of the order. I called Macys customer service to have the charges of {$360.00} removed. They said that it would take 3-5 business days for the hold to be removed. Today is XX/XX/XXXX and the charges have not yet been removed. I have been on the phone with Macys customer server for over an hour and they are refusing to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I contacted US Bank for a payoff amount of my remaining lease term to try to trade the vehicle in. I was told a payoff could only be provided to a dealership. When I called with the salesman on XXXX/XXXX/16, he was quoted {$25000.00} to payoff the lease. Then the US Bank rep asked if I was leasing another vehicle through US Bank. The salesman said no, stating their dealership does n't have a financing relationship with US Bank. The rep then said he had to recalculate the price, and came back at {$31000.00}. When the salesman asked why a nearly $ XXXX increase, the rep said " loyalty has it 's benefits. '' That evening I called and was transferred to the lease maturity department. A male rep was very rude and repeated the " loyalty has it 's benefits '' mantra and told me the bank has the right to increase the contractual lease buyout if I am not going to stay with the bank for a future transaction. When I asked for a manager I was initially told that I was not entitled to speak with a manager because he/she would tell me the same thing. After protesting, I was put on hold for 10 minutes and then told the entire management team was in a meeting. I was told I could not stay on hold and that the rep " guaranteed '' I would receive a call back that evening. I have not received a call back. When I called back the next day and explained to the rep what my issue was, I was put on hold for 7 minutes and then told that " due to technical difficulties '' I could not be transferred to a manager and should call back. I believe what US Bank is doing is illegal and deceptive - and being refused the option to speak with a manager to file a complaint is unfair. I should n't be penalized for looking to a different financing source, and I should n't be treated as rudely as I was by several representatives at US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: LEXISNEXIS
State: MS
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:
Consumerdisclosure.com reports to XXXX XXXX XXXX XXXX that I had a XXXX car. I talk to LexisNexis company, and let them know it was not me, I never own a XXXX auto. 

LexisNexis Risk Solutions, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX. 

Policy # XXXX Thank you!

Company response to consumer: Closed with explanation