BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank hired an attorney to submitted false information to the courts system. The attorney, XXXX, was NOT hired by the Department of Veteran Affairs ( VA ). US Bank was aware that XXXX misrepresented this material fact to the courts. When in fact, the VA was in possession of the home since XX/XX/XXXX. The home was voluntarily submitted to the VA in XX/XX/XXXX. In XX/XX/XXXX, the VA authorized a deed-in-lieu and was officially owned by the VA since XX/XX/XXXX. Therefore, the writ of possession should have gone to the VA and not me. To make matters worse XXXX misrepresented himself as an agent of the VA. Please see the attached documents. US Bank and XXXX intentionally submitted false information to the courts. The writ of possession should have been served on the VA and not 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 2019-02-17
Company: Experian Information Solutions Inc.
State: MD
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:
My current address is listed as my previous address and my last previous address is listed as my current address, despite updating my address with all credit card companies, utilities, and lenders to the best of my knowledge. Upon trying to file a dispute twice on XX/XX/XXXX, I received the error " We're experiencing technical difficulties and can not access your report at this time. ''

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 2020-03-27
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX a loan was granted in my name. I never applied for a loan aor any loan for that matter with this company. However, they have contacted me by phone and email trying to collect payment from me on XX/XX/2020. I returned their calls, but alas, they do not have voicemail. I wrote them a kind letter stating that I did not apply for a loan with them. They sent me documents that ask for my personal info, including my bank account info ... red flags there ... I have yet to reply or fill anything out pertaining to this. They say that I am a victim of fraud, and I need to pay the loan regardless. The loan amount is for XXXX. 
I have not signed any documents, or provided them with any of my financial information. 
It really sounds like they are fishing for my personal info ... .. 
The Company /Loan provider is Spotloan They have not provided me with any documents with my supposed signature ...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Atlanticus Services Corporation
State: PA
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 was looking at my Fortiva account available balance and noticed it was {$0.00}. I started to look at my previous statements and starting XX/XX/2021, my available balance was {$0.00}. Every month I have been charged a {$12.00} maintenance fee, that shows up on my transaction page. Every month I have paid the fee. I texted the company through their app to ask why my available balance is {$0.00} and they told me my account has been suspended. Once I got that text, I immediately called the company. I asked why was my available balance {$0.00} and why was my account suspended and they told me it was because I had not made a transaction in a year. Every month, there is a {$12.00} maintenance fee and then my payment of XXXX that shows up on my transaction page. If my account is/was suspended why am I being charged a maintenance fee, and if it is not considered a transaction, why is it showing up on my transaction history? When I asked the company these questions they just kept insisting that the maintenance fee was separate from transactions, but despite what they say those transactions show up as transactions and are noted as such. I asked to be refunded of my {$12.00} that I have paid since XXXX and they said that was not possible. I was never told my account was suspended until I called. There were no texts, no in app notifications and no mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Nationwide Debt Management Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Nationwide DMS, representative XXXX XXXX called my co-worker today on XXXX XXXX at a number I did not provide, asked my co-worker if they worked with me. He provided a call back number of XXXX and asked my co-worker to provide his number to me and have me call him. He then asked my co-worker is she was my boss to which she replied NO and he asked for the name and number of my boss, which was not provided. My co-worker now knows that I have a debt collector looking for me and I absolutely did not provide my co-worker 's contact information. 5 calls placed to my direct line at work on XXXX XXXX, 3 calls placed to my cell phone on the same day. Very aggressive collection practices and disclosure of my personal information in regards to my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
some of the credit inquiries on my reports I dont recall like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX . I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to screw the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.

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 2015-09-03
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a Home Equity Line of Credit through Bank of Texas. I was offered a 3.75 % XXXX Home Equity Line of Credit. After the underwriting department reviewed the loan, the offer changed to 4.25 % for XXXX. The processor and manager stated it was due to my Debt to Income Ratio. I requested to be informed on the calculation which greatly adjusted the terms of the financing and was told it was a proprietary calculation method and could not be disclosed. I have spent one and a half months of my time working with this company to obtain this financing which is greatly delaying the my project. I pulled information from XXXX website on how to calculate income and DTI ratios and have reperformed the calculations to find that my DTI ratio is half what the Bank is stating. Neither the manager or the processor was willing to work with me to correct the situation. They continued to give me reasoning on why it could not be changed. Below is a copy of the email I sent expaining the variances between their calcuation and mine. They refuse to provide me an explanation of the variance. 
My DTI without the Line of Credit I am applying for is 14.58 %. Well under the 40 % requirement for the offer product. 
The product originally offered has been altered due to a miscalculation on my DTI ratio. Attached I have provided an Excel worksheet on my income ( Salary, Bonus, Rental ) and DTI calculations with supporting documentation. I am concerned with XXXX things : Underwriting utilized XXXX. Utilizing XXXX different income calculation methods for my Nationstar Income I show this to be approximately {$1300.00} shortMy base pay is XXXX ( ( XXXX XXXX XXXX ) / XXXX ) = XXXX MoI received an Annual Bonus of XXXX ( XXXX ) = XXXXXXXXTotal Nationstar Monthly Income XXXX = XXXX + XXXX = XXXX XXXX + XXXX + XXXX / XXXX = XXXXXXXXUnderwriting is counting the Bank of Texas mortgage in my DTI although net rental income is being utilized which already accounts for this {$1200.00} paymentAttached is XXXX Form XXXX which describes how to calculate rental income and how to adjust DTI based on the resulting calculationUnder " Step XXXX. Determine the qualifying impact using the result of Step XXXX or Step XXXX. '' you will find the statements below which indicate this payment should not be considered or the result should be considered in DTI calculations : If the combined result of Step XXXX or XXXX is positive, add the positive amount to the borrower 's monthly qualifying income. Because the PITIA expense was included in the calculations above, do not add it to the debt-to-income ( DTI ) ratio. 
If the combined result of Step XXXX or XXXX is negative, include the amount of the loss in the borrower 's monthly expenses when calculating the DTI ratio. 
Using Method A since I have not provided lease agreements I calculated a ( {$14.00} ) Loss. This is the amount that should be substituted for the {$1200.00} payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
see attatched XX/XX/2019 Statement. Ms XXXX Exec Resolutions Dept Confirms {$2.00}, XXXX USAA CREDITS PROVIDED TIMELY. SO I MUST TAKE HER WORD AS TRUTH. {$2600.00} USAA CREDITS WERE PROVIDED XX/XX/2019 and After careful numerous reviews ALL INTERNAL CALCULATIONS ARE CORRECT. There is a Serious Accounting ERROR USAA DISMISSES. Kindlly Note {$2.00}, XXXX USAA TEMP OTHER CREDITS plus + {$910.00} TOTAL CREDITS MERCHANTS= {$3600.00} EARNED CREDITS. IN MY FAVOR. Ms. XXXX Confirmed New Purchases XX/XX/2019 total {$860.00} plus + Previous Balance {$1.00}, XXXX = $ {$1.00}, XXXX DEBITS EARNED XX/XX/2019. {$3.00}, XXXX CREDITS EARNED XX/XX/2019 ( - minus ) {$1.00}, XXXX DEBITS EARNED. ( BALANCE XX/XX/2019 IS THEN ( - ) *** ( MINUS - {$1600.00} ) *** Statement Balance Calculated by USAA Ms XXXX in Exec Resolutions Department {$960.00} IS NOT ACCURATE ACCOUNTING ** MY BALNCE XX/XX/2019 CLEARLY IS $ - XXXX 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 2016-04-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.

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 2015-11-03
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our home on XX/XX/XXXX. This mortgage has been paid in full. Freedom Mortgage remitted our escrow refund for accrued taxes in a fairly timely manner. Because our homeowners insurance was escrowed as well, XXXX ( our homeowners insurance policy holder ) refunded the overpayment of our policy back to Freedom Mortgage in the amount of {$870.00}. This was received by Freedom Mortgage on XX/XX/XXXX. They admit they need to issue a second escrow refund but they can not seem to figure out how to do it in the system and get the overpayment remitted back to us. I have called multiple times, they have put notes in the system, I have asked to speak to a manager, which they deny. They said a manager will return my call, which they do not and it has been six weeks and they still have possession of my funds.

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 2022-09-05
Company: AES/PHEAA
State: NC
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: Their investigation did not fix an error on your report

Complaint:
FEDLOAN has 4 entries on my credit report that I tried to get removed and/or updated as they are not reporting accurate information per the FCRA requirements. As you can see from the attached credit report, creditors have been reporting a 2-year history. The time frame that should be reported should be XX/XX/XXXX down to XX/XX/XXXX. 

I've requested it be updated once before with no success. I asked that it be deleted for inaccuracies or updated and there was no resolution. 

I filled out a borrower defense application form back in XXXX. Per the XXXX Credit report, the balance decreased and then it was increased again along with a new entry from a company called DPT EDXXXX. There was no explanation as to who this company is and why it was added if my XXXX XXXX XXXX application was reviewed and approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Account # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  ( Original Creditor : 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 2020-03-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Venmo limited my account and refused to lift the limitation and I still have fund of {$830.00} in my available balance and they are refused to fund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MD
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 the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

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

15 U.S.C. 1681 Section 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 explanation
Consumer complaint received 2016-03-26
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Quicken Loans used misleading tactics to attempt to have me sign an intent to proceed. Without prompting and months from expected closing date from a new construction home, I was contacted and told a few details about a loan estimate. However, most of the focus of the conversation was focused on signing documents within the next couple of hours and sending documentation to continue moving forward with the process. I did not know what that really meant, but when sent the information, I looked up what an Intent to Proceed meant. I clearly was not ready for this as I had not even received other lender 's loan estimates nor was I ready to start paying fees so far from being able to lock in a rate or close on the house. I told him as much, and the response I received was : " I 'm not too sure I know what you mean at not wanting to proceed. Even though the home is n't constructed yet, the most prudent thing to do would be to make sure the loan is approved through the underwriters and to lock in the credit I was able to get for you. What is your concern? '' This is clearly deceptive and unethical. No further response was received after I made it clear that " to lock in the credit '' was clearly not able to be done, that I did not want to pay fees so far out, and that other lenders wanted to give a more fair loan estimate at a date closer to locking in rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I only had deposited XXXX into My new account at BB & T and spent it all in XXXX. I did not ask the bank to pay for any overdrafts in my contract explicitly. 
Today at XXXX XXXX I deposited XXXX Into the same account. I discovered my debit card was blocked, so I went to an ATM at the airport to see what was going on with my account and made an inquiry. The ATM said my account was negative XXXX. Which is not true because the XXXX was just spent up today and I could make no purchases the entire day and just deposited XXXX and out of no where the Airport ATM is saying my bank is trying to steal XXXX from me in fraudulent false miscellaneous fees. This is an error and I dont have a negative account. I need assistance because I fear my bank is trying to quitely steal almost 700.00 from me without cause. Please have management contact me and not a representative of a manager.

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