BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
None of these fit my pending report which is Case number : XXXX. Sued in XXXX XXXX Civil Court. Allegedly by XXXX South Dakota XXXX now calling themselves XXXX XXXX A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the XXXX is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.

Company response to consumer: Closed
Consumer complaint received 2016-08-13
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This Debt Collector was trying to get money from me that I do n't owe through fraud and false information. They said that I had a credit card with XXXX XXXX XXXX XXXX, they went to court and tried to sue me, the case was denied and they tried again in another court to get garnish my wages, the case was dismissed again a 2nd time, this time, they said it was for a check where all the evidence showed that, I have never owed them anything. I have requested for the Knight Adjustment Bureau to not contact me for any reasons in writing that never stop them from contacting and harassing me over and over. They kept reporting the info as correct to the XXXX credits bureau and regardless of the court orders that it was dismissed and kept telling other bank to not do business with me while they know they are wrong.

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 2015-08-18
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Setereus took over servicing my mortgage from XXXX on XX/XX/2014. I was in arrears, its was a rental, had to evict tenant again, do n't make nearly the money I used too. Decided to sell instead of renting again. Took XXXX mos to get a contract. Throughout Seterus kept telling me the principal balance was {$52000.00}. I based sales price on this. Had received several offers of $ XXXX & $ XXXX. Seterus was willing to accept, but I was n't. Requested payoff figure, knew it would be a little more. It was {$5400.00} more, finally amount was {$5600.00} more. Almost could not close because the payoff figure was so high and still needed to pay real estate commission. I wrote Seterus as they instructed, also called once per week. Had XXXX questions, never answered. And had to pay extra taxes because Seterus refused to deduct it from their payoff figure ; taxes were paid by closing attorney which is standard in real estate closings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm having an issue with Equifax reporting items which the date of last activity is past the statue and items that there is no verification to support the information being reported. Several times I have request assistance and am not getting anywhere please assist. 
Credit Protection - Not my account I do not owe XXXX anything, I have a current account which is paid on time and XXXX # XXXX - Unverifiable and XXXX # XXXX - Unverifiable and XXXX # XXXX - Outdated and no verification to support

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Collection Accounts identified as ( XXXX ) on my Equifax Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Equifax to delete this accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Equifax needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports. 
Additionally Equifax was notified that these additional accounts were inaccurate and they were previously disputed and Equifax was asked to send myself copies of the documents verifying the accuracy of said accounts and if they were not able to immediately delete them instead they continue to report inaccurate information further damaging my credit. As per the -- FCRA does NOT allow for unverified items to remain on consumer credit reports. Accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a fraud alert placed on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When I applied online with Equifax , XXXX of the security questions was : Do you possess any of the following bank cards? ... and XXXX of the multiple choice options was a name that was XXXX. not a recognizable name of a bank card. None of the other options was a card in my possession, so I answered " none of the above. '' I suspect as a result, since I 'm sure I answered all the other questions correctly, Equifax rejected my online application and required a mail-in form. This is very inconvenient and time consuming. I think they should not use XXXX names, and they should give the reason why I failed the security test.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
a public records judgment was prematurely placed on my file and equifax continues to verify it even though the court has removed it from my records and my name. it needs to be removed because it was an accidentally placed and is no longer valid. i keep asking them to verify it and show me proof and they refuse to provide any proof of any investigation. this is illegal. i do n't know how they are verifying this and reporting it. they provide me general information on the courthouse which is irrelevant to any of the departments that handle my case. the court house has NO proof nor have they been contacted by the bureau for any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I lost my job, I asked Seterus for a forbearance ( 4 ) times in writing. They would never response .I would call Seterus and the rep would tell me ( they needed to know when was I going to pay my debt ) no could give me information on the packages I was submitting to Seterus fro help. I called Seterus in XX/XX/XXXX, to inform them that, I found a job and would start XX/XX/XXXX.I rep. that I was speaking with indicated the reason I was turned down, because Seterus had my property listed as land. At, this point I still need help, my earning is {$XXXX} hr x 40 hours a week. I can not afford the offer. The forbearance was denied, at it clearly indicates my condition. I have been offered a XXXX Loan Modification which is {$100.00} less than the original mortgage, which I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices. 
I did visit at U.S. Bank today dated of XXXX XXXX, 2015. in addition, U.S. Bank employee did n't give me more power reward at see below descriptions : I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices at below : We 're glad you 've chosen to bank with us. Unfortunately, the checking account you 've selected is not eligible for a bonus. Valid accounts for the {$120.00} bonus offer include U.S. Bank Silver, Gold or Platinum Checking Packages. As a reminder, to earn the bonus you must also complete XXXX or more direct deposits totaling {$500.00} or more, OR XXXX or more transactions using U.S. Bank Bill Pay within 60 days. 
I was not happy with U.S. Bank addresses:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: U.S. BANCORP
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXX 2015 : I called to make a payment on XXXX, asked the rep directly if they could waive any of the late fees from previous months since I was catching up from being XXXX payment behind. In previous calls trying to catch up I asked if I had late fees to pay and reps at times said no. What they really meant was you do n't have to pay them now. Slightly inaccurate when a customer ( me ) asks what is my late fee or when does it apply. 
Last XXXX XXXX, I called to make a payment ; the young lady said late fees go into effect on the XXXX so I could have a manager call me back. Wrong! Yes a manager could call me back but a late fee was applied to my account {$28.00} for waiting to hear back from a manager. I still offered to make a payment Thursday the XXXX so it 's Super upsetting to incur any fee for something you ask about directly and are misinformed about. 
She was wrong about the late feeShe was wrong about having a manger call me back. Someone called saying they were from US Bank and left vm with general XXXX numbers and no name. so I had to call back XXXX and start the request for manager to call back all over again. 
This is all happening so fast my XXXX credit rating has slipped below XXXX. Thanks US Bank for making it so difficult to get accurate information about payment and fees information. Your reps are wildly inconsistent. 
Are they trying to drive customers into further default? 
Is US Bank trying to cause consumers to default on home mortgages and they foreclose on them? 
I 'm back to work as will be paid in full as of XX/XX/2015. How about the rest of their customers who are n't as fortunate and have to go through the repeated misinformation and delays associated with trying to get right information and make right amounts of payments to get out from default. God bless ... 
Please advise ... 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After submitting a request to XXXX XXXX  to investigate why a payment to my credit card wasn't applied to my account in a timely manner, I had to go thru hurdles to prove that the company had received the money but transposed two numbers and not credit my account appropriately. 
I contacted the company to resolve the problem, eventually sending a letter to the chief executive officer, and finally got some resolution to my complaint. However in submitting responses to my inquiry, the company inadvertently sent this information to the wrong post office box address that was unknown to me and incorrect. I do not know how the company got this information since I never submitted it to them. I am hoping that this action wasn't an attempt to discredit my reputation by insinuating that I am dishonest and shady by having two post office addresses, which is not true. I only have one, and have been using a post office address for my correspondences over the past 38 years.

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 2016-07-19
Company: 360 MORTGAGE GROUP LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a mortgage modication through our mortgage company. We sent in applications for XXXX type of modifications. XXXX application was through the HUD website and the XXXX was from the mortgage company. XXXX were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We completed alot of paperwork spending hours of our time. We bought printer ink, printer paper, stamps for priority mail and spent our precious time completed XXXX documents for this modification. We kept copies for our records. We do agree with a few minor math issues but it was clear to my wife and I that 360 Mortgage was running us ragged. Wasting our time and telling us we sent them blank applications. Of course we did not send in blank modification applications. We have decided not to send further paperwork until we speak to an attorney. It is clear they have their own motives for delaying us with requests for documents that were already sent. We are very unhappy with this treatment and wish to file a formal complaint into their business practices.

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 2015-06-26
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
D. Scott Carruthers have called, harrassing all my family members, daily, multiple times a day. I do not know what the debt is, I have never received anything via US Mail verifying said debt.

Company response to consumer: Closed
Consumer complaint received 2016-09-14
Company: U.S. BANCORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto-loan with U.S. Bank and regularly make my payment via the U.S. Bank iphone app. I made my XXXX payment via the iphone app as I had for the past year and a half. According to U.S. Bank, when I attempted to make my XXXX payment, I entered my paying bank account number incorrectly. However, there was no notification whatsoever at the time via the iphone app. From my perspective, the payment went through as it had for the past year and a half. I received a call over 2 weeks later from US Bank telling me that my payment did not go through. I immediately made payment over the phone. Despite this, they still charged me a {$35.00} late fee. I believe it is an unfair and deceptive trade practice for US Bank to make no notification that the payment did not go through at the time of the transaction through its app, and then to turn around and charge a late fee. I spoke to a manager at US Bank, explained the circumstances and the fact that I have always made my payments on time, and they still charged me the late fee. I am sure other consumers have been similarly placed in this situation and that US Bank is making a fortune charging consumers late fees - lulling consumers into believing that their payments have gone through via their app, and then charging them a late fees when there is an input error ( it is still not clear to me whether the error was caused by the input system itself, or me ).

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 2021-04-21
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive filed an dispute in regards to the incorrect items on my credit report its been well over 30 days an I havent received any investigation results.

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 2016-12-26
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
A Visa card owned by Elan Financial Services has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have attempted to pay the bill by other means but those payments as well have been " returned '' and further fees attached. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the companies asking for the fees to be reversed and for them to accept the payments and I await a reply.

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 2016-02-27
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
The credit card company representative told my wife that I have a bill that is past due on XX/XX/XXXX but I have not received a statement of the charges from the credit card company. I need an itemized statement of the charges they are requesting payment for. I do not do computerized statements. I am not sure how much money has been lost or when the loss occurred because I have not yet received a statement of charges. 

Secondly, my wife ( XXXX XXXX ) has been authorized on my credit card account for over a year. My wife informed the representative that we have not yet received a statement/bill and requested them while I was driving on XX/XX/XXXX ( see case number : XXXX ).

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