davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (FL)

I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. 

XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (WA)

USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015.
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MN)

U.S. Bank charged an overdraft fee when the account never had a negative balance according to online banking records. In addition, the account is " opted out '' of overdraft protection and can not be charged an overdraft fee on " regular, everyday '' ( Dodd-Frank Act ) transactions that result in a negative balance. The bank has reserved the right to process these transactions but not to charge a fee resulting in the inadvertent processing of these transactions which results in a negative balance on an account that is " opted out. '' The transaction that U.S Bank alleges having caused a negative balance is a recurring charge from XXXX for xbox live services. This recurring charge occurs regularly, every month, in the middle of the month.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and XXXX as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. 
On XXXX XXXX, XXXX. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of XXXX office by a secretary who allowed me to observe the documents for appoximatley XXXX mins and gave me a black and white copy. 
Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a transfer of the DOT from XXXX XXXX XXXX XXXX transferring all benefical interest to : XXXX XXXX XXXX XXXX, as Trustee executed on XXXX/XXXX/XXXX witnessed by notary XXXX XXXX. 
Us bank Na has recently sent the Original documents to XXXX XXXX XXXX who in turn destroyed the Orignal allonge by writing void across it and has now stamped a new endorsement on the note. 
on XXXX/XXXX/XXXX XXXX XXXX tansferred the same instrument it had previosly transferred to XXXX to a trust dated back in XXXX. XXXX XXXX XXXX has sold the note to XXXX and allegedly to US bank who has yet to produce and authentic endorsement. a true and correct copy of the XXXX. to XXXX XXXX and a recent voided allonge is included as an exhbit along with a corrective assignment that has has not been recorded. I allege that this is morgage fraud.
Consumer complaint received 2016-05-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank is reporting inaccurate and conflicting information to XXXX and XXXX. I filed a complaint on this matter before but US Bank states the information on my credit report is accurate despite providing different information to both credit reporting agency. I suspect the information on XXXX is different as well but I do n't have access to that credit file. I am providing documentation of what the credit bureaus are showing so you can see the conflicting information.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

I have been trying to complete a short sale. I am 16 months behind in my mortgage payments and can not continue to pay the mortgage. The bank keeps evaluating me and approving a loan modification because they say my credit score is over XXXX. The reason it is still over XXXX is because they are purposefully failing to log derogatory information on my credit report to keep my score inflated so they can tell the investor I qualify for loan retention. I wonder how many other non performing loans are in this similar situation.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CO)

Discover Card, after their initial provisional chargeback credit, reversed their decision in merchant 's favor. Then, upon presenting incontrovertible evidence, they re-decided in my favor. Based upon fraudulent representations and so-called policies which were never presented to cardholder and which were certainly never agreed to or even seen, Discover incorrectly re-decided against cardholder. Merchant was untimely. Merchant presented irrelevant, unilateral, and fraudulent documentation. Cardholder then presented even more overwhelming evidence against merchant, but Discover decided to be a mere merchant lapdog. XXXX XXXX ( XXXX ) charged cardholder for services not only which were not satisfactory, but cardholder maintains were fraudulently never even rendered. Discover has not followed their own Dispute Rules Manual and other dispute procedures which is posted online. Discover is not in compliance with Regulation Z of the Truth in Lending Act and/or Regulation E of the Electronic Fund Transfers Act, as applicable.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I Made an agreement with XXXX XXXX to Pay {$370.00} for removal of collection account from all 3 of my credit reports, it has been updated and removed from XXXX and XXXX but has remained on my equifax report for several months after it has been paid and I have contacted this company several times with no result, The agent I spoke to name is XXXX, direct line XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Excella Recovery Group (CO)

I continually get contacted by people from Excella recovery group. I have paid multiple times on payday loans that I took out a few years ago. This time I was contacted by XXXX XXXX calling from XXXX, she gave me XXXX to call back if we were disconnected. I asked her what this was about and she said that a payment I had setup months before had just shown up in their database as declined. I did setup a payment ( I feel this is a scammer and that was my last payment to a scammer. ) but it was n't ever attempted to pull from my account. When I asked her for the original account number, she stated she had been given an incomplete file and hung up on me. As I think this is a scam, I have n't called them back and she has n't returned my phone call. This company has contacted my family and told them I owe this debt ( which I know is against the law ) and I do not need that happening to them again.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (FL)

I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. 
I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. 
So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. 
I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. 
Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (DE)

I was a discover card holder as of 2013. During my entire card membershipwith the company, I was never late with my monthly payments, always stayedunder my credit line, and never charged my credit card for any purposesother than making a legitimate purchase. 

This was my first credit card that established my credit history as of 2013. 
About XXXX weeks ago, without any warning and notice in advance, the companyclosed my account and thereby wiped out my 2 years of credit historyassociated with Discover card. I contacted the company and demanded for ananswer. Other than the excuse that " we are no longer able to meet yourservicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learnedfrom the internet, I have a reasonable belief that the closing was XXXX a large number of cardholders with a particular racial and ethnicbackground ( more specifically, XXXX XXXX without a just ground. Ibelieve that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look intothis case. We consumers are powerless to protect ourselves fromdiscriminatory actions like this. But if the closing was indeed motivatedby racial bias, the company 's action has to be put in an end. 

Thank you.
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. 
The payoff of the mortgage occurred as part of escrow : the total payoff amount of {$190000.00} included principal ( {$190000.00} ), interest ( {$440.00} ) and fees ( {$41.00} ). Interest covered the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. 
After contacting US Bank, they acknowledge receipts of the payoff on XXXX/XXXX/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on XXXX/XXXX/2016 I should received a refund of the interest amount covering the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. That amount should be equal to {$200.00}.
Consumer complaint received 2015-03-28
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (OH)

US Bank calls me XXXX times a day. As early as XXXX. I have told them that I am on medical XXXX and that I have XXXX. I also told them that I get paid on the XXXX of the month only. They continue to call and ask for the payment. Then they say can you borrow money from friends? They XXXX my van in XXXX. I paid {$1200.00} on XXXX XXXX to get it back. Then they gave me the runaround for a week before I could get it back. Then I owed another payment on XXXX XXXX. I told them that I would pay them XXXX and a half payments on XXXX XXXX and XXXX XXXX. I have to keep my phone turned off to keep them from harassing me. My doctors ca n't call about appointments and test results. I am also XXXX and this harassment sets off the XXXX that I have because of the XXXX. This goes on month after month. If I accidently answer the phone, they ask me every time why am I late with the payment. I could tell them this XXXX times a day and they will call again and ask the same questions.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (AZ)

US Bank has failed to process my mortgage application in a timely manner. I am now in danger of not meeting my closing date and thus could lose my {$2000.00}. earnest money. Until yesterday, the mortgage processor was not returning phone calls I made to her to check on the status of my application. My purchase contract was written up on XXXX XXXX, 2016. On the morning of XXXX XXXX, 2016, I called my US Bank Mortgage Loan Officer to advise her my offer had been accepted and that I wished her to proceed with my mortgage application. I had already been " pre-qualified '' for a mortgage. I have provided US Bank with information and documentation as they have requested it, but they have not proceeded in a timely manner. For example, I did not receive my initial set of disclosure forms until XXXX XXXX, 13 days after I advised the bank I had an accepted offer. Additionally, it was not until late Friday, XXXX XXXX ( eve of a XXXX weekend ), that I received a request for information and documentation from the US Bank mortgage processor. I responded to this request by Monday, XXXX XXXX, end of day. While driving across country from XXXX to XXXX, where I am relocating, I was in touch with my Mortgage Loan Officer ( my Mortgage Processor was not returning my calls ) and received from her no indication there was a problem with my application. When I arrived in XXXX on XXXX XXXX, I learned that my application was still in the underwriting stages and that it was likely I would miss my XXXX XXXX closing. After pressing the matter, I was told a " rush '' would be placed on my application, and I am hopeful that this is indeed the case. However, realistically, I think there is a good chance I will not close and will lose my {$2000.00} earnest money. I feel the bank has not proceeded as it should.
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (TX)

I have XXXX credit cards : XXXX XXXX, XXXX and U.S. Bank. In about XXXX 2016, I received an offer from XXXX to transfer balances from my other cards to XXXX for a 0 % interest rate until XXXX XXXX. There were XXXX checks attached. I wrote XXXX checks ; XXXX for XXXX and XXXX for US Bank. The check to XXXX went through without a problem. I forgot the transfer fees so the check to US Bank was returned because the XXXX amounts went over my credit limit. I called XXXX and it was re-submitted ( with a different amount ) to US Bank. I received a statement from XXXX showing the check was submitted to US Bank ( check XXXX. XXXX ). When I called US Bank, they claim they never received it. Now, XXXX is going to have to cancel that check and re-submit it ( electronically ). I 'm assessed a {$25.00} fee by US Bank every time there is a returned check. I keep being told by US Bank that they do n't show any check by XXXX and XXXX says it was cashed XXXX XXXX. I 'm trying to pay down my credit cards and I feel US Bank is deliberately keeping me from doing so. I do n't have a complaint about XXXX, who is trying to help me.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}.
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

This is a complaint against US Bank for operational practices preventing customers to set up automatic payment withdrawal resulting in late fees to customers for additional fee income to US Bank. US Bank does not process the form and send an incorrect version of the Authorization of Automatic Payment form which is rejected once finally processed. This apparent intentional operational inefficiency has cause me late fees near {$220.00} despite proactive attempts to pay my lease payment. US Bank 's call center supporting leasing client is systematically set up to send customer the incorrect form. I sent in at minimum XXXX completed forms to their provided XXXX XXXX XXXX XXXX WI. On my lucky XXXX time where the form was finally processed, it was rejected for being the " wrong form. '' The " correct form '' asks for exactly the same information as the " wrong form. '' The only difference is the creative layout and basic title copy. This nefarious operational practice creates additional fee income for US Bank. XXXX Banks call center reps and supervisors were unwilling to name their regulatory body. They also will not remove any late charge fees unless by bank error. A clear case for removing my errors was escalated up to Assistant XXXX XXXX XXXX with no action taken. This is a clear unprofessional if not illegal business practice forcing late fees from great customers.
Consumer complaint received 2015-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

I started the short sale process in 2013. This is now my third time undergoing the short sale application and awaiting approval. My experience with US Bank 's service and the prolonged short sale process has been agony. 

I 've encountered many, many challenges in working with the bank for the short sale. The most recent issue was my case kept getting labeled as a deed-in-lieu instead of a short sale. This caused all my paperwork to expire and I had to complete the short sale application for the third time in XXXX of this year. During this laps in communication, US Bank also changed the locks on the property without my knowledge. As the prospective buyers attempted to view the property, they could n't get in! The prospective buyers were the persons who alerted me that the locks had been changed on the property. This is unacceptable. 

Repeatedly the relationship manager assigned to me has called me to give a status update of " your file is in processing ''. Years have gone by without any significant update on my case. As a result of this lackadaisical effort in getting the short sale processed, a THIRD buyer walk just away from the deal because of the difficulty of getting business done with US Bank. The offering price was {$11000.00} more than what the bank would have settled for. 

I am beyond frustrated and disturbed with the unorganized process in which this bank does business. I urge the consumer bureau to investigate the unethical handling of my case. Repeatedly, I 've requested to speak with a manager in this matter and I have been unsuccessful in my attempts. I am hopeful that the bureau will be able to get answers.