davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. 

On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

This is another complaint with equifax and has to do with my other complaint Case number : XXXX why are they reinvestigating that account with the furnisher? are there any humans working there? the dispute is with EQ not the furnisher. EQ allowed previously deleted collections account with XXXX to be reinstated without notifying me and breaking the law. Are there any humans working at the CFPB? it seems EQ and CFPB JUST USE AUTOMATED SYSTEMS TO ANSWER EACH OTHER. THEIR RESPONSE IS REINVESTIGATE. WHICH IN 30 DAYS WILL COME BACK AS VERIFIED. WHEN THAT IS NOT MY COMPLAINT. MY COMPLAINT IS WITH EQ NOT XXXX. BUT YOU LET THEM GET AWAY WITH IT. NOT ADDRESSING THE COMPLAINT FILED. IM A XXXX VET AND IM GETTING TIRED OF THE RUN AROUND. MAYBE ILL WRIGHT A LETTER TO PRESIDENT OBAMA BEFORE HE LEAVES OFFICE. HE CARES FOR VETS. THIS IS WHAT THE FCRA SAYS ABOUT DELETED ACCOUNTS. TELL EQ IF THEY DONT REMOVE THAT ACCOUNT IN 1 WEEK IM GOING TO SUE THEM FOR BREAKING THE FCRA LAWS. 

( ( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I found a weird transction and the amount was {$4.00}. I tried to get in contact with XXXX and one of their employees blocked the line and asked me to download an app and the hacker ( one of the XXXX staff ) has gained control of my phone and is monitoring it, accessing my personal information and making unauthorized transactions. The transactions amounted to {$2000.00} and {$8800.00} respectively and occurred in CA, but I am based in New York as an international student attending courses. I NEVER WENT TO CA and do not know anyone living in CA and have only transferred money to XXXX individuals with a small amount of money before. It is crucial to note that I did not authorize any money transfers, especially for the amount {$8800.00}. I attempted to contact the bank regarding the unauthorized transaction of {$8800.00}, but they informed me that I either carried out or authorized the transfer, despite my certainty that I did not. As soon as I noticed the pending transaction on the app on XX/XX/XXXX, I requested that the bank block it immediately. Unfortunately, Bank of America did not comply, resulting in the transaction being completed. This has left me feeling frustrated and disappointed. Can you assist me in resolving this matter? BTW, the hacker 's phone number is XXXX.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TX)

XXXX and my son had established checking, savings, commercial, credit card accounts with {$2000.00} in checking overdraft protection with US Bank in XXXX MT for at least XXXX years. I was insured under the FDIC for XXXX XXXX fraud but was never informed that the monies US Bank took without my consent was illegal under the rules of the FDIC. They violated many rules and I was a victim as documentation I 've included shows. The prosecuting attorney in this case told me after catching the lady behind this scam that US Bank will pay all monies taken from me and restore you and your sons credit due to them being insured by the FDIC. US Bank will not pay me for any money they took out of both my sons and my account. They cleaned me out of all monies in XXXX and my checking accounts, took {$4000.00} in overdraft protection, left me and my son bankrupt, bounced checks, mortgage went to XXXX % & the letter attached sums up the events that followed. What I did n't no then is I was insured by the FDIC and being an innocent victim this tsunami US Bank caused to me and my son should of never happened in the first place and the prosecuting attorney agreed. I paid back all the money to try and save XXXX and my credit. To this day XXXX credit is ruined and so is mine & to this date no restitution has been paid from US Bank. I 've tried to talk with US Bank for years and their response is we ruined your sons credit and yours and we owe you nothing. I asked to talk with the President of US Bank in XXXX, MN and a cubical employee would not allow that and the FDIC says to settle this major issue with US Bank. I need your assistance in this matter due to their negligence, and ignoring my requests.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX
Consumer complaint received 2015-07-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

US Bank assessed a monthly fee that amounts to more than 10 % of the account value, for having an account that I use for savings and have had dormant. I find this to be unreasonable and am filing a complaint seeking reimbursement of the fees assessed for XXXX 2015 and XXXX 2015. 

I just made a deposit of {$50.00} and already {$10.00} have been taken out in fees. This is ridiculous and it is unfathomable that a bank that used TARP funds would resort to such petty tactics in order to make a profit.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

US BANK TOOK XXXX FROM MY ACTIVE ACCOUNT DUE TO A FRAUDULENT ACCOUNT THAT WAS OPEN WITH OUT MY PERMISSION. XXXX WAS OPEN BY A WOMAN NAMED XXXX XXXX WHO RESIDES IN XXXX ILLINOIS. 
I INFORMED US BANK OF FRAUDULENT ACTIVITY AND I WAS UNDER THE IM- PRESSION THEY SETTLE THIS MATTER. THEIR WAS A CARD ALSO ASSOCIATE WITH THISFRAUDULENT ACCOUNT. WHERE THE OFFENDER XXXX XXXX USED THIS TO GAIN FUNDS. I NEVER GAVE HER OR PROVIDED HER WITH ANY OF MY INFORMATION NOR DID GIVE HER ACCESS TO MY SOCIAL OR ETC.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DC)

I have attempted to dispute the date of XXXX delinquency of an account from XXXX 2008 as listed on my credit file to XXXX 2008. 

I have attempted to have this information corrected XXXX and XXXX times I have been provided with an account history that shows the account became delinquent on XXXX, XXXX, 2008 and was never brought current ; however, I was told, via letter, that they will only validate the debt once more and my disputes are now considered frivolous. I do not feel that incorrect data on my credit report is frivolous. 

It is possible that I disputed incorrectly the XXXX time, but the XXXX time I was very explicit that I was disputing the Date of First Delinquency and this is evident from the information provided to me from Equifax stating that XXXX XXXX XXXX has verified that the date is being reported correctly. 

Since I can not get a resolution from either party, I have no recourse but to file this complaint.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (CA)

XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Your Client : XXXX Your Client Acct. No. : XXXX Chase Acct. No. : XXXX Disputed Amount : {$37.00} VIA FACSIMILE XXXX, CERTIFIED MAIl CERTIFIED MAIL CERTIFIED MAIl XXXX and US Mail and US Mail Chase Receivables XXXX XXXX XXXX CA XXXX Dear Debt Collector, I am writing in response to your dated XX/XX/XXXX ( copy enclosed ) because I do not believe that I owe what you say I owe and that it is my responsibility to pay. 

This is the first I 've heard from you, therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe, please provide a copy of all itemized procedures performed and supplies used ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide me with authority or section of the contract between XXXX your client that I, the patient am responsible to pay for items not delivered. I did not receive any Medical Records. 
Provide a verification or copy of any judgment if applicable Identify the original creditor address Show me that you are licensed in my state, and provide me with your license numbers ; I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt and the reason I have not paid them because I have not received the Medical Records I asked for. 

Please hav your creditor XXXX proff of delivery of said Medical Records. 

I further demand that, if you have reported me to a credit-reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so. 

Finally, stop contacting me about this or any other matter, except via mail, email and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions such as pursuing court actions. 


Thank you, XXXX XXXX for XXXX XXXX Date : XX/XX/XXXX Reference USPS Certified Mail : The following is in response to your XX/XX/XXXX request for delivery information on your Certified Mail/RRE item number XXXX. The delivery record shows that this item was delivered on XX/XX/XXXX at XXXX in XXXX, CA XXXX. The scanned image of the recipient information is provided below. 
Signature of Recipient : Address of Recipient : Thank you for selecting the Postal Service for your mailing needs. 
If you require additional assistance, please contact your local Post Office or postal representative. 
Sincerely, United States Postal Service
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (NV)

XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. 
XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. 
XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. 
XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. 
XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. 

We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. 

We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. 

Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home.
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (UT)

I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. I have not heard back from US BANK and I need this resolved
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (VA)

XX/XX/XXXX to CFPB Reference case number XXXX ( a number that does not appear in your online database ). 

On XX/XX/XXXX I submitted the above-mentioned case to CFPB. On XX/XX/XXXX, the Elan unit of US Bancorp, wrote me ( see attached ) to say that a fraud had been committed and the charge had been reversed. They also said that they submitted a request to the consumer reporting agencies to remove any delinquencies but it " ... may take the agencies several weeks ... ''. It is now been over 8 weeks, and my credit score is still about XXXX points below last XX/XX/XXXX before this mess started. 

Does CFPB ever " close the loop '' and ask these companies to report when they have DONE what they promised? 

Elan unit of US Bancorp opened an account without my knowledge or consent. They ruined my credit score. Is this a matter for federal court, or state court? 

Please let me know who the perpetrator of the fraud was. Thanks.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IL)

My home was slated for foreclosure. In XXXX 2016 I was contacted by a man who saw my home listed on the Internet. I had contacted my Lender for an application for a HAFA short sale in XXXX. The Lender is required to respond within 10 days. They did not! In XXXX 2016 I received several mailings from the lender including a Loss Mitigation review Summary Package. They approved a traditional short sale ; and did not even consider the HAFA, nor did they explain their decision. I meet all of the criteria for HAFA. Can you please help me.