BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
USBANK Online mortgage application - Loan # XXXX. We completed all application requirements for a XXXX conventional mortgage with 20 % down for a second home in XXXX XXXX TX XXXX On the day of close, we were told that underwriting arbitrarily reclassified the loan as an investment property and that our funding, which was previously approved, was now disqualified. The decision was based on the buyer 's explanation section of the application in which we stated that our son would be living there while attending college. Under XXXX XXXX guidelines, a house may be classified as a second home as long as the owner maintains control of the home and lives on the property at least 15 days a year. I have reaffirmed multiple times to the lending team that the property will not be an investment property, will not collect rent and will not leave my control or go under any type of 3rd party management. USBank underwriting refuses to allow us to amend the omission on the buyers statement to include the language that we will live there at least 15 days a year. USBank is now suggesting that we add my XXXX XXXX XXXX son as the borrower and classify the house as a primary residence to bypass the gift fund restrictions on second homes and investment properties. Essentially, we are being asked by USBank to commit mortgage fraud and falsify loan documents to appease a single underwriter. We have been upfront and transparent regarding intended use of the home, source of funds, and all other qualifying factors for this loan. Not once during the 33 day loan process from application until the day of close were we told by anyone at USBank that the entire loan would depend on a single sentence in the buyer 's use statement. We meet all XXXX, XXXX, and Credit and Income requirements for a XXXX conventional note and USBank is using dishonest and discriminatory lending practices to disqualify us from this loan on the day of closing. US Bank has been negligent in their own due diligence and committed gross acts of omission throughout the course of this loan. Furthermore, USBank underwriting is actively encouraging the falsification of mortgage documents in contravention of federal guidelines for mortgage lending. USBank has also allowed forms to be corrected and resubmitted in their favor but refuses to grant us the same opportunity due to a mistake on a single form. Due to USBank 's malfeasance we were forced to go outside of the contract option period and will now lose our earnest money as well as our time and damage to our reputations.

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 2015-03-31
Company: Oxford Law, LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have no outstanding debt owed. The " debt '' they are trying to collect was for a semester I never attended. I fell ill at the beginning of the semester and withdrew and had a confirmation of withdrawal. I was informed that there would be no charges since it was prior to the semester start. I still received a bill and when I contacted the school, they said to ignore it as it was already handled, and it must have been an error. This was back in XXXX, I think. Since then, I received many calls saying it went to collection, and it needed to be paid. I was told by the school to not answer these calls. Fast forward till now and I and my family/friends have been getting calls requesting information and stating I have a debt in collections. I do not have access to most documents as they were through my school email and old email, I no longer have access to, and calls to my " advisor '' at the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: AUSSRQ Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
never got notice about this debt about the debt collector trying to collect. never got the right to dispute this " debt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
i had a car loan with santander consumer usa. santander had a lawsuit filed againist them for violating consumers rights with high rates knowing consumer like myself couldnt afford. the company was in ligation and i would like this account removed because i fall in the guidelines of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Missing Transfers from XXXX XXXX to Pentagon FederaXXXX Accounts XX/XX/XXXX- I noticed my Pentagon Federal accounts were missing funds. 
{$990.00} missing from savings {$990.00} missing from checking XX/XX/XXXX I emailed documentation of the transfers through XXXX XXXX secure document portal showing the two completed transfers from XXXX XXXX to Pentagon FederaXXXX on XX/XX/XXXX. Pentagon Federal Case # XXXX. 

XX/XX/XXXX Received an email response from Pentagon Federal saying they were unable to assist and I should contact XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX. I was told that the transfers were completed on XX/XX/XXXX. 

XX/XX/XXXX I called Escalation Analyst XXXX XXXX at Pentagon Federal. He said he would check on the issue. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal and was told The funds were rejected. XXXX XXXX XXXX. 

XX/XX/XXXX I called XXXX XXXX and was told the funds were transferred XX/XX/XXXX at XXXX pm. The funds were not rejected. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal. He said he would reach out to another department and get back to me. 

XX/XX/XXXX XXXX XXXX at Pentagon Federal told me that the transfers made on XX/XX/XXXX through XXXX XXXX were rejected by Pentagon Federal on XX/XX/XXXX. There was nothing he could do. He suggested calling XXXX XXXX. 

XX/XX/XXXX I again called XXXX XXXX, again giving them MTCN number and date of the rejection. The XXXX XXXX representative said they never received the rejection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an address added to my XXXX report at which I have never lived. It is concerning to me, as I have not applied for any new debt, etc. XXXX said I would need to write a letter to dispute the information and change my personal information, which does not make sense, as I highly doubt the person making the initial change went through the same steps. They also would not review the information unless I paid them a fee. I am also concerned of possible idenitity theft, but was told it " must be '' from a credit card or loan I already have, as there were no new inquiries.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX from XX/XX/XXXX through the XXXX, 2023  as well as daily from XX/XX/XXXX throughXXXX XXXX, XXXX I went on annualcreditreport.com to request my credit report from Transunion and have not been able to get it. I called Transunion on XX/XX/2023 and had them text me with their customer service chat phone number they said they would perform maintence my account and give me a call back to allow me to access the report they have not done so. I just tried to access my report today XX/XX/2023 and I still can not access it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed the Fifth Third credit card and sent in the final payment of {$36.00}. They would not let me pay online or over the phone, so I had to send in the regular mail per their instructions. They said it was not received on time and continue to charge me late fees and interest. There was a {$1.00} interest they charged that has turned into {$160.00}, and now {$200.00}!! 
It's almost impossible to get ahold of a live person on the phone and often disconnects. I called XXXX XXXX and he has not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank has the most incompetent escrow department of any lender. Each of the past 3 years, Citizens has failed as an escrow agent to properly pay my homeowners insurance. The payment is due XXXX XXXX each year. Their website reflects the appropriate policy information. But they fail to remit payment appropriately each year. This year, Citizens remitted payment to the insurance company for $XXXX,XXXX on XXXX XXXX. On XXXX XXXX I called the insurance company to confirm receipt and they indicated no payment received. To prevent policy cancelation, I paid the premium from my personal funds. I called Citizens to begin the escrow refund process.One month later, after several additional calls to Citizens, they confirmed their payment was not processed and indicated they would refund my escrow account. Instead, on XXXX XXXX they processed ANOTHER payment. On XXXX XXXX   they finally issues a credit... but only one, not two. Net effect, no refund to me. After another month, several calls and emails, Citizens most recent email response to me on XXXX XXXX was "you were issued a credit on XXXX XXXX". I have asked for several months that this error be corrected. I have walked the representatives through in very detailed fashion. The representatives are generally cordial and listen but no one has actually properly resolved a material financial error. I would like my $XXXX,XXXX back immediately plus accrued interest and compensation for the several hours I have had to expend trying to resolve their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit by XXXX XXXXXXXX XXXX due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked Equifax, XXXX, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to Equifax, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for Equifax, XXXX, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to Equifax, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as Equifax, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of Equifax, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I believe XXXX Equifax and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties 3. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX  Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX  bankruptcy dismissed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
1. Please see attachments XXXX, XX/XX/2022. 
Had not heard from Chase 's XXXX XXXX over the XXXX XXXX XXXX that oversees the alleged {$30.00} billion Chase purported publicly to give to disadvantaged communities since CFPB had him phone me XX/XX/2022. Received his voice mail on XX/XX/XXXX and XXXX. As I was preparing to amend my prior complaint to CFPB on this Chase matter, XXXX XXXX XXXX returned my call. Apologized for having had not gotten back to me in nearly two months. He basically said they ( he and his team ) were unfamiliar on how to disburse the said funding despite XXXX XXXX into the XXXX XXXX funding period ; said that a few cities had received funding and I asked names. Reluctantly he said XXXX and XXXX. XXXX XXXX XXXX  said a large affordable housing project had received funding in XXXX but he hinted I would have to file FOIA to obtain from city of XXXX. I reminded him of our disadvantaged XXXX XXXX XXXX 's XXXX need for affordable housing, small business development, youth center construction and historic preservation, and that during our XX/XX/2022 conversation he had assured me we would receive funding from Chase. Now he's clueless but managed to fund entities in XXXX that really do not serve the disadvantaged but focuses on homeownership. In addition, XXXX XXXX XXXX  said Chase 's products must be made to accommodate the disadvantaged and that he could not give me any timetable on when we would receive funding. Chase 's priority is homeownership rather than affordable rental housing he said, XXXX XXXX XXXX  ' rhetoric was the standard we receive when an entity is lying about helping us. They tell CFPB what it wants to hear but does nothing to honor its stated commitment to help us. XXXX XXXX XXXX only clarified his position when I had asked to speak to the head person in Chase 's executive office. He merely said they would send me back to him. I thanked him and closed our talk. 
I then contacted Chase 's executive office and the intake person XXXX was clueless. All she offered was directing me to the Inspector General. 
Please add my previous complaint on this matter also. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief