BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint recently but I am unable to locate it so I am submitting it again. I got behind in payments when I went on XXXX and I submitted an application to my servicer for loan mitigation, but they called me last Monday and told me I did n't qualify for anything they could offer me. I do n't believe there is nothing I qualify for, because I have read about forclosure assistance programs for those on XXXX or unemployment and that it is unlawful to discriminate against someone who 's income is from government assistance. I have owned this house since 1998 and I truly want to keep my home. When they spoke to me on Monday they said they had sent me a letter but I have not received it yet. It 's not that I do n't trust them. It 's that I do n't trust them. I do n't want to find out that I 've missed an important deadline because I never received the letter.

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 2015-11-14
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A year ago someone from XXXX XXXX XXXX contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I cosigned a car for my sister. She and her husband voluntarily gave the car back to the bank. The bank than put a repo on both of our credit. The problem i have with that is there was no communication between us in the bank after the repo. I looked up the state laws in North carolina which states that during the repo procress the bank is suppose to communicate with us where the car was being auction at. The location of the auction has to be beneficial to both parties. before the car is auction they have to give us a 30 day noice. Also north carolina state laws says that after the auction take place they have 15 days to notify us how much the car sold for incase we have to pay the difference in lost or if they need to reimburse us. That was not done as well. I tried to talk to them and they said that if i sent a dispute letter to them they would not read it. I tried disputing it through XXXX credit companies nd they are not helping just keep saying that they looked into it and it been verified. They never say what was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: U.S. BANCORP
State: NC
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
the truth in detail is this. i enrolled in a debt settlement plan to settle with XXXX creditors. only XXXX is giving me trouble. that XXXX is us bank. as soon as enrolling i mailed them copies of my XXXX award notice. i was considered XXXX as of XXXX XXXX, XXXX im already over XXXX and will not be returning to work. i am XXXX per my primary caretaker and ssa. my income of course has taken a hit. im single and ssi is my ONLY income. no XXXX no savings no XXXX income because im not married or even living with anyone. i have no children but its still nearly impossible to even get buy. after mailing in a XXXX x XXXX envelope the whole story to us bank, they said we understand your situation but you are not qualified for a hardship right now. what?? who could be more qualified. my XXXX letter to them was a cease and desist letter. they wrote back saying they would not call but would still right. NO, NO, NO. they were entitled to send XXXX letter saying they received the cease and desist letter. however after the XXXX letter no XXXX creditor or otherwise can contact you in any way. i responded back telling them that if they even sent anything to my mailbox ever again it was a minimum of a XXXX dollar fine. heres the deal. im 100 % judgment proof. XXXX gives me a XXXX property exemption. well i dont own that much property and my ssi payments are 100 % garnish proof. so i tell them i could just not pay anything but being honest i wanted to pay them something instead of nothing. thats why i did the debt settlement program which will be XXXX more payments. so today in the mail XXXX XXXX, 2016 i get more mail from them. that breaks the cease and desist violations. i want and demand justice.

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 2017-02-28
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Other

Complaint:
Please refer to XXXX, the original complaint I filed against Elan Financial Services on behalf of my client, XXXX XXXX. Elan Financial sent a letter on XX/XX/2016 and refunded my client 's {$240.00} with a sincere apology. Shortly thereafter, in XX/XX/2016, my client received a collection letter on the ELan debt. XXXX XXXX called me and I told her to throw the letter away. On XX/XX/2016, I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX. The letter states their client is U.S. Bank National Association dba Elan Financial Services. The letter acknowledges the death of XXXX XXXX 's husband and claims an unpaid balance of {$420.00}. I have since received numerous telephonic messages from XXXX XXXX regarding this debt. 
Obviously, because XXXX XXXX contacted me, XXXX XXXX 's attorney, Elan Financial Services provided DCM with this information. Any correspondence between myself and Elan Financial had been to resolve the original error on Elan Financial 's part and the extensive documentation, except for my contact information, was intentionally ignored or discarded in pursuing my client. 
What is the recourse for this? My client has suffered continually at the hands of Elan Financial Services. Still emotionally fragile, XXXX XXXX has been forced to revisit her grief on the death of her beloved spouse, harassed for a debt she does not owe and continues to pay for my services in correcting the ineptness of and by Elan Financial Services and their representatives. This is outrageous.

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 monetary relief
Consumer complaint received 2016-01-26
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan. 
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out.

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 2015-10-21
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On the year of 2014 i was charge on a business account in us bank the account number was XXXX XXXX they overcharge me even do i have the fund on the account they said because some checks that i deposited where not free to cash out or something like that i found this unfear because they also send me before to XXXX i try to undestand but i couldnt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax '' response to XXXX " Equifax has reviewed your complaint and its records regarding your dispute. XXXX account XXXX has been verified correct as reported by the data furnisher. The open date is XXXX/XXXX/2015, the closed date is XX/XX/2015 and the months reviewed is XXXX. No payment history was recorded by the data furnisher for XX/XX/XXXX through XX/XX/2015. Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to their evaluation of your credit score. 

The XXXX- Closed Tradeline, was reporting the pay history accurately, despite your response. Please see attached, my credit report from EQ - XX/XX/2015. 
EQ actually stored pay history, please see Pay Pal attachment, which was attached to the original complaint XXXX EQ updated this account and caused issues - with the Pay History. 

THE ACTIVITY DESIGNATION - says NA, and should not. This account is PAID/CLOSED. 
Because this account is showing in this manner - the PAY HISTORY is erroneously populated with NR, when XXXX has n't reported on this record in more than a year. 

The account, is now Incomplete - and inaccurate. 

Please put the account history back to the state of which the furnisher provided it to you, PAID? CLOSED its status - or DELETE the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, Equifax was reporting an account I have accurately paid as agreed, closed and a zero balance. In XXXX, Equifax started reporting the same account as open, and currently past due for {$3400.00}. Last updated was XXXX XXXX XXXX after several disputes. I contacted the creditor and they verified that the information is not reporting correctly on my Equifax Credit report but informed me to file a dispute again and again to fix the issue. I feel that Equifax is not even contacting the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed bankruptcy at XX/XX/XXXX and i got discharge too but still XXXX shows on my credit report that i am late in my payment. XXXX XXXX was included in bankruptcy. i called XXXX couple times but they did n't fix it. give me a call if you have further question XXXX XXXX XXXX that is shows in my credit report Delinquent Account Lender XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX nullnull A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I have explained to these people that my bank account was stolen and whatever money was put into the stolen account was not me. I have tried to reach out to them to work things out and even pay something even though I should n't have to pay. They call me all times doing the day to the point that I can not work. I do n't owe them anything plus I tried to work the issue out with them with no success. I have asked them to stop calling me or any of my family and friends.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a letter as well as did consumer protection bureau that stated the following. Wells Fargo Bank has requested that any appearance of foreclosure has been advised to all credit bureaus as to not appear on their reporting. They say any negative results are the fault of the credit reporting companies. How they are overruling the Wells Fargo Bank is beyond me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a regular mortgage that has a minimal payment of {$1000.00} per month. I had recently started to pay a portion of that to the Mortgage company bi-weekly. There is no early pay off penalty. So I would send {$600.00} every two weeks. Last week, they returned the check and said that I have to submit the minimal payment of {$1000.00} dollars and included the uncashed check. I am not sure why they would not accept a check in any denomination formy mortgage. The companies name is Franklin American Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Navy Federal harassed my mother on her personal cell and at work, ( I did not have her listed as a relative of mine, nor did I supply her phone number ) and she received demerits for personal calls while at work. She explained to me that she got a call from them ; she thought it was about her account with them, and they asked her did she know me. She immediately replied that while she did know who I was, she did not have a relationship to me that would allow her to be privy to the information they were about to discuss. She hung up.I then called and I explained that I did not want my business discussed with any XXXX other than me. She then began getting calls everyday and she asked to be removed from their call lists about this issue. Then they began harassing her at work, using her personal extension. She again asked to be removed and then they called the main line and asked for her personally to talk about my account. That is when she began having issues at work from those calls. I then called and asked how Navy Federal got her contact information. I explained that I did not want my business discussed with any XXXX other than me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation