BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a modification from my old lender XXXX XXXX XXXX since XXXX XXXX when my loan defaulted because of past due property taxes. We believed that when he got our XXXX loan that the taxes was impounded. Once XXXX took over the loan and the 5 year statute passed for past due property taxes ; XXXX XXXX XXXX sent us a letter advising us that we was {$60000.00}. in debt for property taxes. Our payment went from {$3400.00} to {$10000.00}. We tried to ask XXXX to help us but they only tried to adjust the escrow which dropped the payments to about {$8500.00} which we still could not afford. We tried for three and a half years to get a modification with XXXX XXXX XXXX with no success. First they say we had too much income, then they said it was n't enough income. Lot 's of back and forth. Then in XXXX XXXX ; the sold the loan to US Bank, serviced by XXXX loan servicing. We have now been trying with no luck or success with them. They have denied the XXXX modification packets that was submitted in XXXX and the XXXX that was sent by our representative. We do n't know what to do and were afraid they will foreclose on our home. We tried to explain that we were part of the predatory lending from XXXX, but it appears that they do n't want to help us. Our loan is now XXXX years past due with lots of fees and costs. They are refusing to entertain any offers. They offered us a modification after they denied our request four times. Then started foreclosure proceedings on XXXX XXXX, XXXX ; right after they denied our appeal. One week after we resubmitted an appeal it was again denied and then on XXXX XXXX, XXXX they offered us a modification. The agreement was that we would have to come up with {$220000.00} in past due fees and costs. We would have a mortgage payment of {$8200.00}. We ca n't afford that. I believe they just offered us this so that we could show our inability to pay this agreed modification. No principal reduction, balance put to back of loan, no consideration for our income and expenses. I want someone to get involved because XXXX XXXX XXXX washed their hands of us and this new servicer ; is unwilling to help us. They only want to sell our house. We just want a fair offer. We asked for them if we could pay back {$100000.00} towards the default, provide us principal forgiveness in the amount of {$280000.00} ; to put the balance of our property taxes in the amount of {$24000.00} to the back of the loan and keep our payments roughly about {$5100.00}. They refused as well. We may have to file a lawsuit to stop them from selling our home. They are not following none of the guidelines that was set up in the us settlement lawsuit against the major banks. They are not trying to work with us at all. Can someone please help us with USBank and XXXX loan servicing. Time is of the essence and we are afraid that they will try to foreclose on us this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2015 I went to US Bank and told them I did not want my MTG payments for XXXX XXXX XXXX to be taken out of my bank account anymore. XXXX XXXX XXXX was changing my loan amount I did not know to exactly what amount. I only had a certain amount going into US Bank each month and I did not know if it would cover the new amount. I needed to pay my own bill. I asked what I had to do to make it so that XXXX could not draw any amount from my account. I repeated several times that I did not want XXXX to withdraw any amount from my account. The woman asked me several questions and said it was completed. There would be up to 2 years. They could not take any money. When we finished I asked if I had to go to XXXX to close any paperwork I was told no that this would not allow XXXX to draw any money from that day on. I kept asking her if she was sure everything was done she said yes. On XXXX XXXX I went to cash my XXXX check. I wanted to just cash it and not put it in the bank. The cashier only allowed me {$500.00} she said they had to put a hold for 3 days. I became very busy on Monday and Tuesday so I could n't go get my money. On Wednesday I went to get {$200.00} and all my money was gone. I asked how that could be because there should have been {$1200.00} at the least in my account. They told me they paid out {$1400.00} to XXXX this was done on XXXX/XXXX/15 I said I had put a stop payment on XXXX/XXXX/15 and was told that was all I could do. I found out since I could have gone to XXXX and ended this immediately. I asked US Bank why when I asked if I should go to XXXX and they said not necessary why they lied. They said they do n't and I said you mean you would rather hurt your own customers then I left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
1. on XX/XX/2015 BOA charged me {$35.00} twice on a single {$12.00} order of checks! BOA must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, BOA charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, BOA could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, BOA collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe BOA computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from BOA for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Other

Complaint:
Simple question : I got my free credit report at XXXX and it showed a credit card with a XXXX balance from 2013 at US Bank. I thought I closed it long ago if it 's the XXXX I remember ( XXXX card? ) and I 've kept no info on it now and contacted US Bank to close the card. They do n't have a record. I 'm concerned that old card being open for so long could be impacting my credit score. What can I do? 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 non-monetary relief
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2015, I used my MoneyGram account to send monies to my family member who is in XXXX for {$170.00} and a friend who live in XXXX, Florida for {$100.00}. 

Both transaction was blocked and I did not found out until my friend in Florida told me the MoneyGram said I had to call them, so I did and they ask me for all of my personal information plus for my birthday, I ask why, and was told my the telephone representative that my friend name was on a government list. 

Then this morning XXXX XXXX, 2015, my son call inquiring about his monthly fund that he has not received yet. So again, I immediately call MoneyGram and spoke with XXXX, XXXX, XXXX, and XXXX they all said that my name was being block by the government, and any action of money transferred by money was under review and that I must provide my birthday and driver license for the transfer to go through. 

I question them as to what government agency ask them to do this, please supply me with name and phone number they said they were not authorize to do so but if I wanted the transfer to go through then I must give them my personal information, I told this on XXXX/XXXX/2015 by XXXX ( this was the last person that I talk too ) I told her I was not given out any more of my personal information, nothing but : my name, address, phone and their transaction refer number for {$170.00} or for her to gave me a refund for {$170.00}. 

After a few more minute of her explaining to me why she need my birthday and driver license and me refusing to do so, she decided that she will go ahead this time and release my money to my son. 

I need to know what government agency have flag my name, my family, and my associate name and for what reasons and is this legal for MoneyGram hold back a person domestic money transfer and/or have the person call and their representative ask for the consumers for their personal information in this day a time especially with identity thief as high as it is? 

Please help me find out why occurring to MoneyGram the government have flag my name and my family and friends name, if I am under surveillance by my government, why am I? 

Thank youXXXX XXXX ( Anytime : day or night ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Late charges imposed unfairly by lender : Late charges of {$29.00} were imposed by US Bank on my car loan in XX/XX/XXXX and XX/XX/XXXX. I mailed the payments to the bank at no different times those two months than in the preceding five months since the loan was initiated, yet in the previous five months the payments were recorded as received no later than the XXXX of each month, but in XX/XX/XXXX and XX/XX/XXXX, they were recorded as being received on XX/XX/XXXX and XX/XX/XXXX. 

When I called the bank 's customer service number, the representative I spoke to said there is " processing time '' involved between when the bank receives payments in the mail and when they get posted to customers ' accounts - usually a few days. I protested that it was unfair to impose late charges on customers if the bank does n't record them as received on the date they actually are. The representative said she was n't authorized to reverse the late charges but would forward my complaint to a supervisor who would be, and that the supervisor would get back to me. However, no one did get back to me and no action was taken to credit my account for the late charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We had a line of credit loan with Sovereign Bank. Santander Bank apparently acquired the rights to this loan. After getting the run around with Santander, we paid the loan off in full with Santander in XXXX 2013. Yesterday in the mail, I received a bill for {$65.00} from Santander for a fee on this account. I called Santander. I was passed around to four different operators. I asked to speak with a supervisor after speaking with the second operator. I was never handed off to a supervisor. I was told I needed to go to a local Santander Bank branch to prove my identity. Yet they kept verifying my identity with each operator I spoke with. There are no local Santander bank branches in my state. How can Santander bill for a fee and for what after the account has been closed since XXXX 2013?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In my initial FTC report, I did n't notice some fraudulent inquiries that also need to be disputed resulting from Identity Theft.

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 2017-03-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is incorrect personal information on my Experian credit report that needs to be deleted. 

Names 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 Addresses 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

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 2015-06-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I went to the XXXX and he told me to put it through care credit, I was paying the XXXX every month but after a few month I noticed the bill was not going down. 
they charged me XXXX in intrest the first month, I contacted theXXXX in florida and told them what a rip off, to date after 2 years of paying my bill was XXXX and is now XXXX thy charge me XXXX every month. this month I had a medical emergency and could not pay them, well the phone calls dont stop and they would not work with me. I told them I would catch up this month, but they did not want to hear that. 
I am XXXX years old and I and harrased every day by them, I am not going to send them any more money I feel like I am draged through the mud with these people they are hartless and monsters. 
thank you, XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I was charged a return check fee in error in XXXX of 2015 by Barclaycard XXXX. 
I called their customer service line and was assured that it had been removed. When my payment date came and went in XXXX, I was charged a late payment fee as well as interest on the borrowed money. I called again to complain about this issue, was told that XXXX the original returned check fee as well as the late payment/interest fees had been removed and that the information should show up on my account in 2 business days. 2 days later, the interest and late payment fees had been removed, but I still had a balance from the returned check fee. So I called again and was told that the return check fee had already been removed and that it should have shown up on my account. It still had not and so I was again told that the original returned check fee should be removed and that it should show up again on my account. This time I waited a couple weeks more before checking again and again seeing that it had not been resolved. This back and forth went on through another payment date and again i was charged a late fee and interest on the account. I 've called again and am waiting for them to call me back in 3 days to confirm that everything has been resolved and my balance is at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I opened XXXX Barclay credit card on XXXX/XXXX/16 with the offer that promised to give me XXXX XXXX miles after spending {$1000.00} on this credit card. 
I met this spending requirement on XXXX/XXXX/16 and I expected to receive this bonus on my first statement on XXXX/XXXX/16. 
However it did not post on XXXX/XXXX/16. I contacted the customer service and they responded : " Dear XXXX XXXX : Thank you for contacting us regarding your XXXX Plus Card. We can certainly address your inquiry regarding the reward points on your account. 
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX, 2016! 
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX, they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however, it can take up to a maximum of 30 days. '' So then I expected to receive them on my next statement on XXXX/XXXX/16. 
But on XXXX/XXXX/16 Barclay closed my credit card without any reasonable explanation. 
I contacted customer service and they also could n't explain me why my card was closed. 
I inquired about XXXX bonus miles, but they said I wo n't get them because my card was closed by bank. 
I have not violated any rules and I met the spending requirement for this bonus on time when my card was active. 
It looks like bank is using these practices to refuse giving bonus miles to customers as promised.

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 2015-08-12
Company: SYNCHRONY FINANCIAL
State: VI
Product: Credit card
Issue: Billing disputes

Complaint:
I sent a money order of a {$100.00} for payment of a charged balance of {$150.00}. When I received my new stated I saw that the {$100.00} was never credited to my account. I wrote Synchrony Bank/ JC Penney 's They wrote back that the charges were correct. I wrote Synchrony Bank/JC Penney 's back sending them documents showing that the {$100.00} was never credited to my account.I always paid my credit charges in full except for that month, I carried a balance of {$51.00}. I paid the balance I knew I owed, waiting for Synchrony Banck/JC Penney 's to fix the mistakes. They did nothing, but charge me a late fee of {$25.00}. plus {$14.00} charge : I do n't know what for plus {$3.00} interest charges. In the meanwhile, I returned a item, creating a credit {$28.00}. I noted on the documents I sent Synchrony Bank/JC Penney 's, that the previous month 's balance was paid in full. I made no new charges, where are these charges coming from. The documents clearly shows their mistakes. Either Synchrony Bank/JC Penney 's never looked at the documents, they do n't how to do their job or my charge card is being padded. I am XXXX of those customers who pay off their balance in full every month, but that XXXX month. 
I would like the {$100.00} to be credited to my account like it should have been. I want any further charges ... late fees, interest and other miscellaneous charges removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I 've asked to be release from a verbal service I made with XXXX for XXXX a month due to the fact I have not received the service I was promised by a XXXX representative. I asked my credit card company to no longer accept the charges, I protested the charges, sent documentation showing I had asked the charges stopped and they continue to charge my account. In fact they raised my ability to charge more so they could accept the realtor.com charges. I feel my credit card company is continuing to charge my account so they can continue to charge me high interest rates. I want these charges stopped and credited back to my account. I 've been an on time client with this company, XXXX credit card service and instead of working with me they 're working for XXXX. Please help me. I ca n't afford a service that 's not being offered. I can send all the documentation if you have a way to upload it. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
On XX/XX/2016, I alerted the Old Navy Visa Credit Card as to a fraudulent charge to the credit card account. Specifically, on XX/XX/2016, a purchase in the amount of {$200.00} to XXXX XXXX was charged to my account. The Bank 's representatives informed me that the fraudulent charge would be placed on hold and that an investigation would be made. After months of investigation I was informed that the Bank ".. did not find any unauthorized purchases applied to the account. If we contacted you to confirm attempted unauthorized purchases, it may be those purchases were rejected and were not charged to the account. At this time, we have concluded the fraud investigation and consider the matter closed. ''

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