BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is a emergency, I have been trying to make payment on my loan since XX/XX/XXXX, USBank said loan was turned over to foreclosure, and they gave me a lawyer name, they did Not have the account, they did not receive the account until XX/XX/XXXX, they mailed a letter on XX/XX/XXXX, I have since been calling to pay, and now they have sold the loan, bank bought it!!! I have been trying to pay this and it has been a nightmare, now they have a real estate company trying to sell my property, also from the time the attorney recieved the foreclosure to the sell was less than 45 days. I need help saving my son 's home! We mailed documents for the bank to mail info to my house, and to call me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
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 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 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 2017-01-06
Company: National Principal Group, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NP Group first contacted me, on a cellular phone # which has been mine for around 8 years, about a debt, which was not mine, on XX/XX/2017 at XXXX by robocaller, I spoke to their representative, informing them that I had no knowledge of the XXXX XXXX they were seeking and asked to be removed from their system. Calls followed the next day, where I again stated i did not know this person, and a third time, where I was accused of lying about having spoken to them the two previous days and when I told them to remove me was told by their representative that he was " not there to take orders ''. The first call was well within their legal rights, but the next two days of calls were in direct violation of both the FDCPA and the TCPA, as they had no business relationship with myself, and when I tried to get information on their company the first several times I was hung up on, before finally getting someone who gave me their address and calling back a separate number to complain. Since getting this number I have received periodic obnoxious calls, both for the XXXX XXXX they were trying to contact and a XXXX XXXX, neither of whom i have ever met, seemingly never having my cellular number removed from the debts and getting brand new harassment every time the debt is sold for a new round of collection attempts. I recognize that there is no legal recourse to have my number permanently removed from the debt documents, but after establishing that I was not the debt holder on the first call all subsequent communications should have ended, in subsequent calls their use of a robocaller for someone with whom they have no business relationship is a direct violation of the TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: PHH Mortgage Services Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my home 28 days ago and still have not received the balance of my escrow fund from PHH Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Duvera Billing Services, LLC
State: WA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I got a loan paid it off, and now the company will not close the account and wo n't talk to me. They cont. to tell me that they will look into it and call me back this has be going on for a month now and I cont. to call and they cont. to tell me the same story. They have been reporting to my credit report an amount that is incorrect and they up it in an amount XXXX month and not another, when I ask them about it they say theres nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm filing this complaint against EOS CCA for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-06-16
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:
accounts listed on ftc report : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened DateXX/XX/XXXXClosed Date -- Responsibility Individual Account. 
Balance {$1200.00} High Balance {$1200.00} Remarks XXXX XXXX XXXX XXXX XXXX {$920.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$920.00} High Balance Last Reported XX/XX/XXXX Creditor Name SYNCB/AMAZON PLCC Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} XX/XX/XXXX Creditor Name XXXX  XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$130.00} XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed DateXX/XX/XXXXLimit {$100.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$310.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$310.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off account Account closed by credit grantor

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 2016-08-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had changed my monthly payment to more than double the original amount so that I could repay my loan more quickly. Two months later they sent me an e-mail stating that they had lowered my monthly payment amount. Then when I called to reverse the change they said that they could not guarantee that the change could be made by the time my next payment was due. 
I was also informed that I would probably not be able to use my regular method of payment. Because the virtual bank card I use falsely classifies itself as a " pre-paid credit '' card I will probably not be able to use it to pay my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2022-04-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my to these so called debt collector to prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 that a consumer reporting agency can not furnish an account without my written consent. 
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 explanation
Consumer complaint received 2015-07-14
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
Re-opening of case # XXXX*Update*I was told by US Bank that I would have a resolution on this issue by XXXX/XXXX/15. Today is XXXX/XXXX/15 and they still have no answer. I initially figured since they took my case early on and processed it and gave me a deadline they would meet, that I would n't have to worry about it. Obviously I was fooled. I am now continuing the complaint. Please call my cell phone if you need further verification or clarity on this issue. 


I purchased a {$500.00} XXXX Gift Card from XXXX 's that was issued by US Bank. The moment I opened it up, I realized something was wrong with the packaging. I tried to use it and was not able to. I realized the card was already compromised, so I called US Bank ( card issuer ) immediately to shut down the card. They confirmed with me over the phone that the card was shut down and I just had to fax in the paperwork for the card replacement. That was on XXXX/XXXX/15. I faxed in the paperwork a ( XXXX ) few days later for the card replacement. Fast forward to today XXXX/XXXX/15. I called in to check on the status of the card replacement, I received a response from them saying they could not replace the card because funds were used. Now how did this happen on a shut down card is beyond me. Either the rep lied to me and told me she did shut it down on the spot, or she never did it to begin with. Either way, both scenarios demonstrate the incompetency levels of US Bank service reps. Now, instead of waiting for a card replacement, I now have to file a fraud report because the genius of a US Bank service rep did not do her job. Also, this genius rep did not put in any notes on the account either, so when other reps looked at the account, they saw nothing of the shutdown ( or so I 'm told ). I 'm expecting this to take another XXXX months to get resolved ( if at all ) courtesy of incompetent service reps.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$12000.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2015-12-21
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Maintained a Business Checking Account with US BANK NA, received payment via wire transfer on or about XXXX/XXXX/15, in response to what we believed to be a prior invoice issued earlier in the year, as the dollar amounts matched to the penny. Funds cleared and remained untouched in Account for 10 calendar days. On XXXX/XXXX/15, Account was subsequently frozen on the grounds the wire had been sent by our client from an 'unauthorized source '. Purpotedly due to our clients preferred source of funds for payment, our Account was subsequently closed in XXXX 2015 and the business was reported to XXXX for the following : * Non-sufficient funds activity * Writing checks on a closed account Neither of these alleged activities ever took place, nor was I accused of such activity while in communication with bank, nor does bank have any record to support such a claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
I had an auto loan with Chase until 2016. I have made multiple attempts to get them to correct the information that is reporting inaccurately on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: ERC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX on XXXX XXXX 2018 and this for sure is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: FIRST NATIONAL BANK OF OMAHA
State: MT
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX of XXXX I received a solicitation from XXXX XXXX Bank XXXX XXXX with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until XXXX XXXX ''. I have received several similar offers since then, with the words inserted after balance transfers, " when you use these checks ''. Had that wording been on the offer I received, I would have behaved very differently. As it was, since I had a zero balance at the time, I preceded to make purchases with my credit card, " all purchases '', and to pay the minimum balance due. I have participated in many 0 % on purchases offers previously and since this one. I have always paid off the balance before a higher rate of interest started. 

While I had been paying attention to not go over my credit limit, it was not until XXXX that I noticed a large amount of interest was being added. When I called the bank, I was told that they did n't mean " all purchases '' ; just the ones made with the XXXX checks enclosed. Since no one I talked to at the bank offered any recourse, I immediately paid off the balance on my account, which included over {$800.00} in interest. 

Even if I had written a check for the entire amount of my credit line. The fee that I would have paid would have only been about {$340.00}. 

They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer, but so far they have refused to acknowledge this to me or to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I got a XXXX  XXXX inquiry on my Transunion credit report that I did not authorize. I have called Transunion and they dry refused to remove the hard inquiry off my account. This is unfair and I am a victim of fraud. Please remove this inquiry off not Transunion immediately.

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 2015-08-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am delinquent on my mortgage payments with TD Bank. I have applied for a loan modification which was approved. My loan payments were in the vincinity of XXXX per month and the modification bought it down to XXXX. I was very happy knowing that I was in the process of a divorce, severely limited in my finances and knew that the new payment would allow me to keep up to date on the mortgage. NO WHERE in the papers that were notarized and signed was a mention of any other amount other than the {$910.00}. I showed the papers to my divorce attorney, my close friends ... .everyone said that they only can see that TD Bank has approved XXXX. I sent the paperwork and waited for the check to clear for about a week. No check and no message from TD so I called and spoke to the person named on the form, XXXX XXXX. She told me that - no, my check was n't received, nor were the papers that were notarized and furthermore, my XXXX check was n't enough. My payment was actually higher - I do n't remember the exact amount but it was approximately {$1400.00}. When I complained and said the paperwork states a different amount she told me that there is escrow to be paid. I told her that no one told me the amount would be more and that there is a paragraph in their paperwork that states the amount of {$910.00} would be my monthly payment for the life of the loan. Her answer to me was that the amount was reduced from the original and I should be happy with that. What XXXX XXXX does n't realize is that {$500.00} more a month is not what I can pay. I called the following day and spoke to another rep, XXXX XXXX who was not only helpful but compassionate. He saw that the check was deposited and the paperwork received - the previous week. He looked through the paperwork and said he thought it was odd that I was told XXXX but the paperwork states XXXX. He told me to wait a week and possibly the correct info would be updated in their system. I called a week later and spoke to XXXX. She told me that the did see the higher amount and that all she can offer is for me to send a letter to the escrow department asked for the money to be spread out over a certain amount of months. I told her that first of all - no one contacted me from TD to tell me about this new amount and I am hesitant to sign anything further because this is fraudulent business practice. We get lured in with XXXX amount and then the next day ... oops, wrong amount ... it 's really higher. This is ridiculous! How can this bank do this to customers who are already in a vulnerable position and TD takes advantage knowing they are uninformed and worried about losing everything they own. And then to have their employees not have the answers to give to customers. I asked XXXX if this is their practice - to not disclose the correct amount and she told me she did n't know that answer. Somebody in TD has to be made accountable for misleading consumers in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Mary Mae Financial, LLC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am an XXXX veteran and was induced by XXXX to take out a private loan from Mary Mae while they waited for my GI bill funds to come in. I was pressured and given no other options, and I was never refunded anything from the school once the GI bill funds did come in. The loan has an incredibly high interest rate of 14.99 %. I have always made my payments, but I was defrauded and stolen from, likely by the school but potentially by Mary Mae as well, it is unclear. Mary Mae 's website changes all of the time, and I am not able to get in contact with anyone to discuss the loan or its terms. I continue to make {$170.00} payments a month, with {$1300.00} left on the loan, but it would relieve a great burden on my family to stop making these payments or see some other resolution of this issue. I can not afford what it would cost to attempt to take legal action on my own. I want this amount forgiven, or at least the loan payments reduced substantially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief