davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (IL)

My husband and I went through the miles program to finance a vehicle in XX/XX/XXXX. My husband is active duty XXXX We went on paying through our military allotment for over a year. XXXX day it was shut off with no notice at all while my husband was XXXX. Next thing you know, we are XXXX payments past do and up for repossession. I called them asking what this was about and they said they no longer do payment to through mypay. I was n't able to catch up. We have XXXX children and there was no way we can pay all of that up front. We started paying as much as we could but no matter how much we payed, they would take off and continue to put on the repossession status. To this day, we are still behind on these payments to but we took our vehicle in to see the worth and they had over charged us for this vehicle to start. Adding on all these random fees. We need help and I do n't know who to go to. We paid for a XXXX Kia Sedona in XX/XX/XXXX with the miles program and it was set at XXXX XXXX. We are still paying to this day and it 's still around XXXX XXXX we owe.
Consumer complaint received 2016-07-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

I opened my first checking and savings account on my own outside of my parents reach in XX/XX/XXXX, even though I have been apart of US Banks customers for 2 years. I have never had an issue like this before, but when I opened the account I was not made aware of the Federal Regulation that says I will charged {$15.00} every time I transfer money from my savings to my checking more than 6 times a month. I was not aware of this at all, and It was not brought to my attention during the entire month. I agree I am young, and not the most educated client they have had, but that is all the more reason they should 've notified of me what I was doing wrong. I have talked to several US Banks representatives and they have been nothing but rude and cold shoulder to the idea of them doing anything wrong. The reason I transferred money so much during the month was because I was using the money in my savings account to buy college stuff, for example ; things for my dorm, and school fees. Because I was not aware of the regulation and was not notified after 6 times that I was going to be charged, I ended up transferring money 23 times. I did not think to check my account transfers earlier in the month because it was never brought to my attention that I was going to charged money to take my own money out. I lost in total {$340.00}. This money was supposed to help me pay off my first college semester, and now that the money has been taken in Withdrawal fees, I am not able to make that payment. I feel very strongly that US Bank is at fault not only for misinforming about my account information, but not being honest in their rebuttal. During the phone call with the representative, she stated several times that I received a " pop up '' explaining I would be charged money to transfer. Not once did I receive this " pop up '', if i would have, I clearly would n't of kept transferring money. I did not receive an email, phone call, nothing. If you look at some of my transfers, they are as little as {$5.00}. It would not make sense for me to transfer {$5.00} just to pay {$15.00} in a withdrawal fee. Now that I am aware of the situation, I will no longer be transferring money from my savings account into my checking account, but I want to be reimbursed for the {$340.00} that was taken out in withdrawal fees. I feel like it is in my rights to have the charges reversed since I was never once informed, notified, or told about them in the first place. Please closely look at the transactions. Yes, it is a federal regulation, and it 's not US Bank taking out the money. But they did lack to inform me, and caused me to lose out on money that was mine to pay for my education. It is an unfair and unjust situation.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax keeps reporting XXXX account 30 days late and is not 30 days late They have reinserted previously deleted report they remove from negative and inserted again They had removed the 30 days late and they reinserted again They report as a negative account and its not negative Not 30 days See attached bank history " Days '' column never 30 days late Please have Equifax remove from negative remove the 30 days late
Consumer complaint received 2016-03-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My mortgage was sold to Loancare Servicing in XXXX, 2016. Every time I call them, I am on hold for at least 45 minutes before any rep takes my call. I had called to inquire about how I could stop my Property tax and homeowners insurance from coming out of my impound account. The representatives I have spoken to are rude, condescending, and have not helped me in any way. The only rep that gave me some direction told me me to email customer support and also told me that I could not be connected to the escrow department as they do not talk to customers on the phone. So, I emailed the customer service department requesting that my impound account no longer pay out the property taxes and homeowners insurance, and that I would pay it myself. I received a ticket number in an automated reply which stated that I would be hearing back from them within 10 business days. It has now been 17 business days and I have not heard from them. I called them again on XXXX XXXX and was told to wait 30 more days for a response by mail and that I was not allowed to talk to the escrow department. Then, this morning, I received an automated email from them stating that my property taxes had been dispersed to the county.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc. (FL)

I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (TX)

XXXX charged my credit card a cancelation fee when I saw it on my bill I immediately challenged it. Twice. US Bank sent paper work for me to fill out and fax to them. Which I did and still have the confirmation page. US Bank then said I did n't send the paperwork back and I need to pay them. I have not paid them and it is only {$180.00} but they will ding my credit and I will continue to complain about them
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Equifax removed my active credit card that is XXXX XXXXXXXX. Please repost my credit card and update the payment history. They kept reporting old balance. 

XXXX XXXX XXXX I was telling them to remove the inquiries not the credit card. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (WA)

I signed up for an 18 month duration US Bank interest free credit card, Acct XXXX :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee XX/XX/XXXX. The XX/XX/XXXX bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to XX/XX/XXXX bill, and charge 15 % interest and {$39.00} " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP (AZ)

I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan
Consumer complaint received 2015-07-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score.
Consumer complaint received 2015-08-12
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (TX)

I bought couple of prepaid cards at XXXX in XXXX, TX around XX/XX/2015. When I checked the balance couple of days later I found unauthorized charges on these cards. Someone had called and registered those cards in their name and made few online purchases. 

I called issuing bank on XX/XX/2015, they said they will send an affidavit for me sign so they can start investigation. I was told the affidavit would arrive in XXXX days, but it never came. I called again on XX/XX/XXXX, they took a fresh complaint and said the affidavit would arrive in XXXX days. Again no affidavit. I called again and again and again ... .. Finally affidavit arrived on XX/XX/XXXX!. I filled and faxed it the same day. No response from them so far. 

My funds are stuck for XXXX days. BTW, the issuing bank is U.S. Bank and the card type is Master Card ( Gold colored ). This is what they told me : certain prepaid gift cards in similar situations would first refund the money to the consumer and then they do their investigation, but not with this card. So, stay away from these type of cards ( US Bank National Association issued Master Card gold colored prepaid card ).
Consumer complaint received 2015-12-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (TN)

On Sunday XX/XX/XXXX I purchased a bunch of {$200.00} mastercard gift cards at XXXX. When I tried to use them on XX/XX/XXXX, XXXX of them had been hacked. This is absolutely negligence on the part of US Bank. They know how easily their cards are to hack and this is not the first time this has happened to me. When you try to file a claim with them, they put the whole onus on you to prove that you didnt make the charge. I 've even figured out how they are being hacked and have offered to explain this to the bank but they do n't care. I should n't have to wait months for US Bank to repay me. Please help me ( the consumer ) not get taken advantage of by these banks!
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (TN)

My wife and I applied for a refinance on our mortgage loan with LoanDepot.com.LLC in XXXX XXXX, CA XXXX. After months of waiting for an approval they came back and denied the loan. We were to receive a written response mailed within 3 weeks and still after 2 months we have not received the written letter. This company seem to be NOT very reliable or trustworthy. After giving them all of our sensitive information they come back with a denial and will not send any reason why. I sent them a neg. survey and they do not respond. Both my wife and I have a credit score of over XXXX but the loan was not approved. It appears that this company is a scammer ... .client beware!
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (ND)

no business.. 
I called several times to ph:XXXX and expected amount inside my checking account XXXX usd, nothing was like deposit since Friday XXXX until today XXXX. Teller said they can not help me, I need to travel to local branch office in XXXX, XXXX-I am in XXXX, XXXX, because I do not know the pin for my d.card:XXXX, exp.XX/XX/XXXX.I can not go walking, without car, and they refused to tell me account number by phone or to inform XXXX XXXX for info for deposit . Always advises : do this, do that, until I received in XXXX XXXX XXXX. The office in XXXX, XXXX is refusing me new opening for checking since XX/XX/XXXX.I always fixed somebody 's mistakes, last negative balance which I paid in XX/XX/XXXX was from Gold 's gym -extra charges from us bank account-4-5 times over the membership money for 2 months paid from my friend. So I fixed it.No wi am circling town-nothing is possible, she said : " go and do it on line '' but -I am answering, I am calling, because I ca n't do it, for exmpl. : if I am in XXXX, I do not need her advise to check something in us bank in XXXX XXXX, she misunderstood, last time before now XXXX. from XXXX answered. Apology! 
I am tired to be returned, to waste time, to loose money walking, no business is possible between us. On line is sounding : 'he never will send you this money, he is without money '' -so it is XXXX refusal and the end-XXXX job. I plainly paid XXXX purchase treadmill since XX/XX/XXXX and 3 weeks I can not receive my money back. The main amount XXXX usd sent from my mom, XXXX, XXXX to see me in XXXX after 14 y. I am in this XXXX XXXX.I lost more than half of the money in fees, charges, refusals, deposits cash-money in advance, holdings, delays, gas, etc. Pls, do not return customers, if possible.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OR)

On XX/XX/2016 US Bank Home Mortgage received a check from me in the amount of {$99000.00} to pay off US Bank home loan # XXXX. Instead of immediately processing the payment and applying it to my account they sat on the check and it was applied to my account on XX/XX/2016. As a result they collected additional per diem interest from me in the amount of {$11.00} per day. I can understand it taking them 24-48 hours to process a payment but they allowed 4 business days to pass plus one weekend.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (TN)

on XXXX/XXXX/2015. i obtain a copy of my credit report and I saw an inquiry made by a company name mid america Bank XXXX XXXX I called the company in XXXX, but they refused to cooperate. The company has engaged in identity theft and has pulled my credit without my consent. I have not applied for a credit card, nor try to obtain any goods from this company. So I decided to file a complaint, The inquiry shows up onXXXX credit report.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (VA)

I lost my job XXXX 2016. Was on unemployment. In XXXX I contacted US Bank mortgage advising them of my job lost. Had problems back then getting anyone to return calls. Had to file complaints with anyone I possibly could. I finally filled out paper of a reduced mortgage payment plan and was approved thru loss mitigation in XXXX XXXX XXXX Was suppose to be able to start with no payment in XXXX 2016. Receiving bills stating I am late on my payments now and need to pay {$900.00} plus dollars to avoid foreclosure. Have tried contacting my case manager XXXX several times. We played phone tag. Now I am not getting any return calls from her or anyone at US Bank. Left messages XXXX XXXX 2016 for XXXX and on the main phone number. Also wrote Us mortgage on XXXX XXXX XXXX am tired of dealing with them. This is my home we are talking about. They do not want to work with me. Which is very wrong!
Consumer complaint received 2017-02-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

My mortgage company is Loancare LLC out of XXXX, VA. They received my payment on XX/XX/2017 but returned it for insufficient funds. I know for 1000 % that the money was in my account and the bank never charged me an overdraft fee which would have happened if the check was truly returned. I 've emailed them but I 'm not expecting a response due to their track record online. SHUT this company down. How many bad reviews do they have to receive before someone will do something? I am literally 2 months into my very first mortgage and already having issues with them.
Consumer complaint received 2015-04-10
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (MO)

I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (CA)

I received an enclosed statement from North Shore Agency with the amount of {$72.00} for a XXXX " transaction '' to my work address. I have not shipped nor sent packages to my work address, or have even sent a package in more than a year. Additionally, the address and my name was incomplete, and was not received until more than a month later. The invoice is incomplete and does not itemize " transactions '' nor is there a phone number in which I can reach NORTH SHORE AGENCY.