BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all three bureaus and repeatedly disputed directly with XXXX XXXX - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and Experian. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Experian on behalf of this matter of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to EQUIFAX disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
U.S. Bank has been charging me XXXX overdraft fees, the XXXX overdraft fee is charged same day the purchase has been made and the second is charged XXXX hours after the account has been negative. The latter is legal, but not the XXXX charge because it is charged the same day. Not only have I had to pay additional fees the charges have in some instance made my account negative when it would not have been otherwise. I have also received overdraft fees when my account was not negative, the fees were waived, but it has happened on many occasions. In addition to this I have received XXXX overdraft charges for the same purchase, for instance XXXX charged would be stated as an " overdraft fee '' and the XXXX would be stated as a " negative balance fee '', a charge of which I have never received any direct information on. The last issue is that I have received overdraft fees that would increase each day following the initial fee, notices are sent through the mail, but does not show on your statement. I have not kept these statements for record, but others have stated that they have received the same type of fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other

Complaint:
Key bank transferred my balance to Elan Financial and rate went from 9 % to 15.99 % ... I have not been using this card and working to pay off the balance ... .Never late ..maybe once a few days and most often pay overlimit ... Trying to pay off still owe {$10000.00}. not aware ofthe ability of them to just raise the rate but read hear maybe not correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Several years ago I paid a fee to place a credit freeze on my account with all XXXX bureaus in order to protect against ID theft. I do n't believe I received a PIN from any - I 'm very good about recording these. I am trying to refinance my house. XXXX and XXXX provide the ability to immediately reset a PIN on-line or by phone. Neither charges a fee. Equifax provides no on-line PIN recovery ability and provides no way to contact them by phone. The only recourse is to mail a request with a check for {$10.00} to get a new PIN, which I did on XXXX/XXXX/16. It took them until XXXX/XXXX/16 to process and cash my check, which I verified through my bank. It is now XXXX/XXXX/16 and I still have not received a new PIN. According to the re-finance company trying to pull my credit, because I am frozen on Equifax, it blocks access to reporting from the other bureaus. Due to this indifference and/or incompetence by Equifax, my wife and I are now blocked from any activity that requires a credit search. I need Equifax to respond immediately and they should be required by CFPB to provide an on-line means for immediate unfreezing and phone support. Thank you for your assistance. 

PS - I sent my request to Equifax Security Freez, XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
CAS had been trying to collect a utility bill that was discharged in bankruptcy. After numerous calls I finally mailed CAS written response in 2014 and the calls and letters stopped. 2 years later they report a collection to credit bureau and without written notice. I only find out during a family move and finance transaction - which adversely affect my moving and financing ability. CAS has not accepted any responsibility or demonstrated any willingness to resolve, correct or remove reporting. 
They will remove report if I pay them or prove to them that they made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a HAMP loan modification with Seterus on an investment property I own. The original modification was filed prior to the HAMP deadline. My income falls within that which HAMP allows for investment properties. I have provided all the paperwork requested by Seterus. Whenever I call they try to steer me to other solutions instead of a loan modification. Since HAMP allows for loan modification on investment properties I am very upset and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little XXXX digit code to verify and received a XXXX digit code back. This collection belongs to a business not me and that was verified by the original creditor. They also have removed these from my husbands report but not mine

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 2016-08-25
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My complaint is against Discover Card. Fraudulent charges appeared on my account, and were then credited. Discover operatives stated they were indeed fraud, and I would not be responsible. After lengthy oral and written communication, the balance was respectively brought to XXXX/ {$6.00} cents. Subsequently, The false charges were added back with an increase amount. Representatives of the company were abusive, hostile, and in violation of the fair credit billing and fair credit reporting act respectively. They were sent the requested information but still remain uncompliant and stated they will ruin my credit if false charges are not paid. I 'm deeply disturbed, as a previously valued customer there was very mutual respect. The account was always used properly, responsively, and promptly paid. I respectfully ask your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I get phone calls/ answering machine messages from Discover Student loans ( I attended Rhode Island XXXX XXXX and when I call the number back it takes me to a cruise sweepstakes I 've won. They also harass me during hours that are n't legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had a flood in my home earlier this year due to refrigerator line leaking. I sent my insurance checks to Dovenmeuhle Mortgage company 3 MONTHS ago. For the past month, they have had all requested ( and needless ) paperwork completed and a promise to have their inspector set up an appointment so the repairs can be verified. One month and many conversations, and emails later, and I have yet to hear from an inspector. In the meantime, I 'm out $ XXXX, AND I 'm paying interest on my credit cards because of all the work performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card Discover card, has allowed a fraudulent charge to post and remain on my credit card account. The amount is {$1.00}, XXXX XXXX XXXX I have supplied Discover card with documents and proof numerous times and they still left this charge on my account. I want this fraud charge removed off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Discover bank has a promotion where they double all cashback that you have earned at the end of 1 year. I enrolled in the promotion and even chatted with their CS team in order to confirm my enrollment. The chat agent informed me ( direct quote ) '' after reviewing your account I see that the enrollment was not completed as successful. I have already scheduled your account for the adjustemnt to have your cashback manually doubled. I will complete this at the end of your 12th billing cycle, then you will see it credited within two billing cycles after I complete the adjustement '' At that time and after not seeing my cashback post to my account, I contacted them and Discover bank flat out denies that I ever enrolled and they will not give me the cashback that I earned during the past 12 billing cycles. Banks should be required to keep to their word, and Discover should be required to pay me my rightfully earned cashaback award. According to my calculations they owe me over {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, 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 2016-09-29
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
Using my XXXX XXXX XXXX account, I made a payment to Discover on XXXX/XXXX/16 in the amount of {$300.00}. the money left my XXXX balance immediatly. I saw it credited to my Discover account on XXXX/XXXX/16. then, it reversed a day or XXXX later. I contact discover ... they said that XXXX reported insufficient funds. XXXX serve said they did not report insufficient funds. I continued to contact Discover ... .they said they have to try 3 times and then they will send the money back to my account. they were rude and not helpful. 
Today I looked at my discover account to see if the third try worked. they charged me a {$37.00} NSF fee a nd {$55.00} interest fee.I am someone trying to pay off my debt rapidly and do the right thing. I am disgusted by both of these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I paid {$1.00} for a credit report from EXPERIAN and have been billed {$14.00} for the last 8 months without my clear understanding that this was what I was agreeing to on the day I paid for the {$1.00} credit check. This was not clear on the web site that offered a {$1.00} credit check, all they were really doing was phishing for my CC number to scam {$14.00} from me as long as they could before I caught it. This is deceptive and predatory aimed at the elderly and young and needs to be stopped and they should be criminally charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
they garnish wages without letting me know send to old address and my employment knew my address is my ex address I cant believe what they did I have XXXX XXXX taking XXXX % of my pay my XXXX is XXXX because i have to work over time I called them and they still taking it out it was open back in the year 2000 i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been with Dovenmuehle mortgage since XX/XX/XXXX and have been disgusted with the dirty tactics this company uses and how they do business. For the past XXXX years I have been experiencing difficulties keeping up with my mortgage payments and have recently went through a loan modification that did NOT help me. The interest rate and payment went up and I 'm now being threatened with foreclosure. I am XXXX payment behind and I have made a payment but Dovenmuehle is literally holding the check because they want all XXXX payments at the same time. Last summer I had a XXXX and hit my house causing over {$12000.00} worth of damage. Once the insurance company cut the check for the damage and Dovenmuehle received it they held the funds telling me they would n't disperse the funds because I was scheduled to go into foreclosure. This forced me to cover contractor and material expenses OUT OF POCKET. The insurance money for the damage had nothing to do with my mortgage delinquency! The contractor finished the repairs in XX/XX/XXXX and it took Dovenmeuhle through XXXX to make the last dispersement. This mortgage company has no problem lying or being dishonest as long as they are getting what they want. I was led to believe the loan modification would help me with making my mortgage more affordable because I had a loss of income, instead the loan is even more expensive than before the modification. I expressed to them that the modification hurt me more than helped and their reply is they are sorry BUT they want the XXXX payments ASAP. I do not have the funds to make all XXXX payment XXXX and they are still holding the payment I mailed out XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a follow up to Case # XXXX. I was originally told to wait 30 days for the CRAs to remove the inquiry. It has now been almost 8 months since I was told this would be removed and it has been over a month since this case # was supposedly resolved and yet the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? It certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will affect my interest rates. I want this removed immediately or legal action will follow shortly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.

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 2016-01-20
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of XXXX years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: MEDCAH, Inc.
State: HI
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:
Original Creditor XXXX XXXX - So they claim. 
Paid XXXX XXXX in XXXX 2009, before moving to XXXX, so how could I possibly owe them {$320.00}? 
Told XXXX XXXX to discontinue service, paid bill, and never heard anything more from them, even though left forwarding address with Post Office. If there were any additional costs incurred, certainly nowhere near {$320.00}. 
Never received anything from MEDCAH at all. 
Now they claim they want almost {$600.00}, including interest. This is nothing more than blackmail and extortion. 
These people probably bought this old utility bill from someone for pennies on the dollar, and now think they can ruin my credit, and demand {$600.00} for it. How can they be allowed to get away with this? This is a complete travesty of justice.

Company response to consumer: Closed
Consumer complaint received 2016-06-29
Company: USCB Corporation
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I did not take out a loan for school. I had automatic payments taken out for the high school program. When we fell on hard times and job was lost. I let them know we could n't do it anymore. As soon as the payments stopped. I stopped my schooling. They say I owe this money yet I KNOW I do not

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