BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Valon Technologies, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with Valon Mortgage to have the PMI removed from my mortgage. During this process, they have repeatedly misrepresented services, given assurances that have cost me money, and failed to provide any sort of meaningful support or processing expedience. When you are servicing a XXXX XXXX dollar investment, it is imperative that statements around financial matters to clients are both accurate and concise. While I understand the CFPB does not service customer service complaints, Valon has repeatedly made improper recommendations, given false assurances, and failed to follow through on what they are required to do as a mortgage servicer. 

On XX/XX/XXXX, a Valon rep stated that " regarding your PMI appraisal, not a problem. That does sound like a pretty massive undertaking so as long as it shows up in an appraisal, we can definitely move forward and proceed ''. Unfortunately, this was not the truth. We can't even get to a place where an appraisal can be scheduled. 

On XX/XX/XXXX Valon stated via email that Converting to a smart home could be considered a substantial improvement. So on that advice, I went out and bought/installed what has now come to over {$500.00} of smart home equipment. Smart thermostat, locks, doorbell w/ camera, and security system to run it all. But then on XX/XX/XXXX they said that we believe strongly that those items would not have changed the determination and have refused to submit them for approval. To make a suggestion that costs clients money and then back away once the client has made the investment is both repulsive and unethical. 

Finally, on XX/XX/XXXX Valon emailed to say that they proceeded to order your Property Valuation as of XX/XX/XXXX. Which was great. I was very excited. But then XXXX minutes later, they responded to say that wasnt actually the case. They should not be telling clients that their processes are moving forward when they are not. That is misleading and sloppy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX

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 2022-05-25
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is not a duplicate complaint. This is about a new issue of discourteous, dismissive and discriminatory treatment by Regions Bank related to written and verbal communication. On XX/XX/XXXX, XXXX XXXX XXXX of Regions Bank addressed a letter to me regarding complaint ID XXXX. I responded to contents of the letter on XX/XX/XXXX. The delayed response was due to treatment for crisis level XXXX XXXX XXXX and adhering to medical advice of avoiding XXXX inducing situations. I waited for a response until XX/XX/XXXX, and decided to call the number offered in the Regions Bank letter. My letter and call were in response to the statement - Regions works hard to exceed expectations and provide the best customer service experience possible. Your feedback is very important, and our goal is to address your concerns and provide the best solutions. When I called the number, a female answered and after stating that she did not recognize the name of the person I asked to speak with, she stated she would transfer me to a department that could possibly help me. I waited for fifteen minutes while repetitive automated messages bombarded my eardrum before I decided to disconnect. To date I have received no response by telephone or written.

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 2020-09-30
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 started my new campaign to work something out with my mortgage company, BSI Financial Services. I was told I was approved for their loan modification program. BSI agreed to offer  me a loan modification in XXXX as long as I make 3 on- time payments. I am doing and did exactly what they ask and then I received a foreclosure letter from a lawyer, in the middle of the terms of their agreement. I have continued to make my payments as per our agreement. My attempts to reach out to BSI have been unsuccessful. My calls are not returned, and I am hung up on when I type in my personal information. Before BSI AGREED to work with me, I OFFERED to pay HALF of my arrears before the start of my modification. The BSI loan personnel SAID NO, to be exact, it is not necessary!! She stated BSI will put the amount at the end of the loan as long as I met the agreed 3-month trial pay period. She  even quoted a lower modification amount and I chose to continue to send in the same amount, asking it to be applied to my arrears. I told her until I get the confirmation letter of my modification, I will continue to send my established mortgage payment. The lower amount was more than {$100.00} less than my actual payment. She explained I would not receive any paperwork regarding my modification until I met my agreement. We are still in the middle of the agreement and I received a letter stating my home will be sold in 30days. And no one from the company has answered my calls since I received the lawyer 's letter. BSI made an agreement, refuse to honor it, and now is selling my home from underneath me even though I am paying my mortgage. Why is this company being allowed to do this doing this tremendous world health crisis? 

I am in no way denying my obligation to my mortgage. I am continuing trying to reach out and I am continuing trying to meet my obligation to my loan. My state and federal representatives all have stated to the public to stay in contact, reach out, make a plan, and let your loan service know where you are and what you are doing in this crisis period. I am and I have. It has been a one-way street. I AM STILL PAYING!!! Why am I here? The money I am giving could  be used to try to secure my XXXX children and myself housing elsewhere if they were going to go here. Why didnt BSI tell me, too little, too late? Why give me false hope and allow me to deplete my finances to just turn around and go to this level. Now I am about to be put in a deeper crisis and hardship going into the holiday season because BSI decided to superficially offer hope to just take it away ; without notice and without me NOT meeting the agreement.

Where is the justice? Where is the humanity? They are not even the owners of the property. How can a third party have the authorization and rights to swindled homes with their predatory and deceptive financial practices legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remover per 15 USC 1681c-2.

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 2022-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remover per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
As a customer of USBank it 's not clear just by looking at your account balance and transactions what your account balance is. You have to take the additional step of clicking on an icon next to the transaction and account balance to see your actual account balance at that time. The bank 's explanation for this is that " there are XXXX balances '', XXXX is the account balance and XXXX is the ledger balance. This seems confusing and a deceptive way of generating overdraft fees. In addition USBank says they charge overdraft fees on transactions the moment it takes an account negative at the card swipe with the merchant instead of when the funds clear the account. The combination of these XXXX USBank practices made it impossible for me to me properly assess and make the the apropriate same day cash deposits to cover the funds and avoid overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is showing these debts on my report and I have disputed them but these are not mines so I have done my part by disputing those items as instructed

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 2022-05-25
Company: EQUIFAX, INC.
State: GA
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:
Equifax stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EQUIFAX HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. Equifax ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Equifax the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are having problems with US Bank holding our checks until after the due date and then charging us late fees which we refuse to pay. We are trying to refinance with a different company and are at a standstill until we get this situation resolved. We have called them regarding this and have gotten the excuse that the mail is really slow because it is tax time and the post office in XXXX XXXX is backed up like it is XX/XX/XXXX. The funny thing is that this has been happening for the last 5 months. XXXX at US Bank said that they do not hold checks. I beg to differ. The phone conversation that I had with her on XX/XX/XXXX was recorded by US Bank and should be used as evidence of the phone conversation I had with her. I have contacted a local branch manager as well and he said that payments are processed by check date or when cancelled by the post office. He said he would look into it and get back to me within 24 hours or by email. That was on XX/XX/XXXX as well after I talked to XXXX at US Bank. I left one message with an actual person but I have not heard from him and every time I call the branch now I get a message that they can not talk right now with no option to leave a message? Our XX/XX/XXXX check was mailed on XX/XX/XXXX and USBank did not post it to our account until XX/XX/XXXX which is one day after the grace period has ended. I am pretty sure that it does n't take 11 days for first class mail to get anywhere in the US. My husband works for XXXX and I am a XXXX. I tried calling the mortgage manager and the customer service manager at the XXXX phone number. Again I have left messages. No one has returned my call.

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 2022-05-25
Company: EQUIFAX, INC.
State: WI
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 LOAN Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: PA
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 actXXXX XXXX XXXX bank, account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-03-27
Company: U.S. BANCORP
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
company has a credit card reporting on my credit reports and i didnt authorize it to be open and i have contacted this company numerous of times about my identity being stolen but they still have n't gotten this matter resolved

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 2016-03-04
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filled out our bank 's short sale/ deed in lieu paperwork in XXXX. We received an offer from a potential buyer in XXXX. Our file has been coming in and out of gatekeeping with US Bank since XXXX XXXX, XXXX. Our attorney has called US Bank every business day from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and there has been no change in status. We believe that the lender delay is merely a tactic to increase the amount of the underlying arrearage so that US Bank may increase their fees. We wonder if US Bank has a record of this type of glacial processing.

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 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Georgia State Tax Lien was placed on my Trans Union credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Trans Union but the refuse to remove the lien.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, Usbank is n't going to refund this  XXXX  charge. I did not make the charge, my balance SHOULD be  XXXX , instead it is {$69.00}. I 've called and they said it should be fixed and of course nothing has been done to fix it.     Thank you.    XXXX   XXXX   XXXX , GA

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 2015-07-08
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my personal information, which may have been compromised by a data breach. I was listed as potentially impacted by the breach on www.equifaxsecurity2017.com.

Company response to consumer: Closed with explanation