BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Wednesday, XXXX XXXX, I checked my bank balance on my phone through the bank 's app. I saw a balance of {$200.00}. After seeing this, I proceeded to make purchases on my debit card. The following day I received an email notifying me of an NSF fee that had been deducted from my account. I checked my account online only to realize that our balance had been $ XXXX when I checked it on the app. ( There may have been parentheses around my balance which were the only indication that the account was overdrawn on the app. This did not register with me as a negative balance. ) By this time, there were XXXX {$35.00} NSF fees. I called my local branch and was informed that I would need to speak to the branch manager but that she was in a meeting. It was suggested that I either call back the following day or contact a toll free customer care number. I immediately called customer care, and had XXXX of the fees removed but was then informed there were XXXX more being added for a total of XXXX. The customer care rep informed me she could only do a courtesy credit of XXXX fee per year. We have tried to negotiate these fees with the branch manager since then, but she does not seem able to help us though she continues to try. We were not aware that when we opened our account we had allegedly agreed to " overdraft protection '' which was why our debit card was not declined at any point after we were overdrawn. We do not regularly run our account down to XXXX. A purchase made over a month ago, came through very late and unexpectedly. We were always under the impression that in the unlikely occurrence that we were ever out of funds, our card would merely be declined. Since this happened I have opted out of this " protection '' regarding my debit/ATM transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently trying to resolve a matter with PHH mortgage company. We 've have a prior run-in with them before and the CFPB was very beneficial in helping us. PHH illegally went to sale on our home in XXXX. Once we called them out and filled a complaint, they vacated the sale. They 're now they 're refusing review our request for loan modification on our VA loan and to stop a sale date on our property. The filing of sale was posted on XXXX XXXX and set for XXXX XXXX. 
PHH is stating that they will only postpone a sale if it is XXXX days prior to the sale date - the difference between XXXX XXXX and XXXX XXXX is XXXX days. This XXXX day rule would make it impossible to stop the sale according to PHH. 
We need your help to stop this action - we are working tirelessly with them to try to resolve this matter and they are making that as difficult as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card
Issue: Other

Complaint:
Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted XXXX XXXX TD Bank Mortgage XX/XX/19 asking for a copy of the stock lease and certificated. XX/XX/19 the bank supplied a copy which should have been identical to that of XXXX XXXX XXXX XXXX but had deleted the apartment number and added a stamp for assignment and transfer. 
I have asked TD Bank to supply a copy matching XXXX XXXX XXXX XXXX with the apartment number and they had replied that they have no such copy even in their vault. 
I would like the copy from TD Bank which must match that from XXXX XXXX XXXX XXXX. 
Should the bank be unable to supply these documents, I would like an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
THE PROBLEM WITH FIRST NATIONAL BANK OF OMAHA STARTED IN THE MONTH OF XXXX XXXX AFTER MY DIRECT DEPOSIT FROM XXXX THE ALLOTTMENT IN THE AMOUNT OF {$200.00} INTO ACCT NO XXXX ROUTING NO XXXX STARTED OFF AS A NORMAL TRANSACTION BUT THAT WAS SHORT LIVED IN EXACTLY 24 DAYS MY PROBLEMS BEGAN .SOME ONES INFINITE WISDOM DECIDED TO DEPOSIT AND ELECTRONIC DEPOSIT FROM XXXX XXXX XXXX XXXX E/FILES REFUND DISBURSEMENT INTO MY ACCOUNT XXXX ROUTING NO XXXX IN THE AMOUNT OF {$5700.00} EVEN THOUGH THEY KNEW THIS NAME OF THE IRS REFUND WAS NOT MY NAME THEY DEPOSITED THE FUNDS ANY WAY THEY PROCEEDED TO FREEZE MY ACCOUNT RATHER THAN RETURN THE FUNDS TO THE IRS OR XXXX XXXX TO HAVE THESE FUNDS RETURNED TO CORRECT ACCOUNT HOLDER.I AM UNABLE TO PAYBILLS THAT HAVE BEEN OUTSTANDING SINCE XXXX XXXX XXXX THEY REFUSE TO ANYTHING TO CORRECT THE PROBLEM.I HAVE CALLED CUSTOMER CARE FOR THE LAST MONTH NO SUCCESS EVERY ONE TWIDDLING THEIR THUMBS I AM ALL TALKED OUT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I went in today to redeem my rewards points on my Elan Financial Services credit card. I had enough to redeem {$170.00}. I was unable to redeem this online and called in. The rep said that my account was closed by collections. I asked how this was the case since I have always been on time with payments and my account is at a XXXX balance. After 40 minutes on the phone with them and being blamed for it all I was finally informed why. They said correspondence, likely marketing, was returned to them in XXXX that they mailed me in XXXX. This one piece of return mail forced them to close my account. The first person I spoke with said they had been receiving " all kinds of return mail '' from me. The manager later informed me it was only once. The acknowledged that they had since successfully sent mail to me and I had made payments and purchases since XXXX. Since my card was schedule to renew in XXXX and they received the return mail XXXX they decided in XXXX to close the account. I had this account for three years and was never late. I asked to see where in the cardmember agreement it states their ability to do this and they had no answer for me. The could mail me an agreement and it would takes weeks to receive one. This can not be accessed online. They say the only resolution is for me to write a letter to them asking to reopen the account. I would need to include all of the information that is requested on a credit application so they can evaluate and then decide whether or not to reopen the account and whether or not they will pay me the {$170.00} cash value of the rewards points I earned.

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 2019-05-28
Company: Ocwen Financial Corporation
State: LA
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: Investigation took more than 30 days

Complaint:
I had a Second Mortgage with Ocwen Home Loans. In XXXX I fell behind, not making payments in XXXX, XXXX, XXXX, XXXX., XXXX.,  XXXX. & XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XXXX was for {$840.00} ; XXXX {$280.00} ; XXXX {$280.00} starting in XXXX the payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt Ocwen didnt report the past 4 years correctly. 

At the beginning of XXXX Ocwen reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of Ocwen how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I called the points redemption number for my credit card and was told since the card had not been used in the previous 12 months, the account had been closed & my points were now expired. I only had XXXX points, but still feel I should have been able to use them up.

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 2017-02-10
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
The bank did not disclose its wire transfer fees for savings accounts. It charged {$20.00} per outbound wire and {$30.00} per inbound wire. In particular, the inbound wire fees were a complete surprise. The bank stated to me that they are required by Regulation E to charge wire transfer fees. I am no bank regulation expert, but this does not seem to be the case since other banks do not charge for wire transfer fees.

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 2016-04-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, Equifax reports the following errors as of XX/XX/2017 via my consumer reports : 1. Unknown creditor with no provided contact information, {$300.00} ( see attached ) 2. Unknown creditor with no provided contact information, {$100.00} ( see attached ) 3. XXXX XXXX XXXX is current and paid as agreed 4. XXXX XXXX is current and paid as agreed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX should not be allowed to be on my credit report. They have changed their story so many times and Equifax should know this because they purposely reported a false address and Equifax let them change it knowing full well I have told them the account is fradulent. I am also including the last statement XXXX XXXX XXXX sent me showing an account balance of {$0.00} and XXXX XXXX XXXX has also claimed that they filed a XXXX for the account meaning they have canceled the debt and illegally made me claim it as misc income. In the case XXXX XXXX held in Tennessee, a judge has said that if a company files a XXXX on someone then they are in fact giving up their rights to collect on the debt since a person is being charged taxes on the amount. XXXX XXXX XXXX is another thing that should not be showing on my credit report, not only did Equifax claim it was not on my report, this account is also fradulent. By XXXX own representative 's statement, XXXX was in control of the account the entire time and that is why their representative does not have a record of the settlement on file. The representative also claims that the settlement agreement was done with XXXX and per the settlement agreement, that I have sent Equifax multiple times, this debt can not be collected on, no matter if XXXX thinks it is mine or not. Lastly, XXXX XXXX is also a fradulent account. I do not have any bills or documentation but I will send a picture of my wedding ring, the only jewelry I own and send it to the bank and ask them if that is the jewelry, if not then they need to be removed from my report. With all this information I have presented you and sent Equifax a certified letter, if they keep backing the illegal activities of these banks then I will name Equifax in my lawsuit as soon as the 30 day window is up. Equifax is required by law to block any false information or fradulent accounts and they have refused to do so. I know I will have no issue wining and Equifax will be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The joint medical account was paid in full on XXXX/XXXX/16. National Business Factors is holding the account hostage for interest that was not agreed to by me or my wife and that was added after we paid the balance. Account was suppose to be removed after payment. They 're continuing to ignore our requests and screening our calls. We cited XXXX which states that both parties have to agree to the interest- if allowed, when they finally got back to us they cited XXXX XXXX for their reasoning. Our understanding of XXXX XXXX is for investment accounts, not debt accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, I sent a certified letter to Equifax. That tracking number is XXXX. Post office confirmed receipt of letter XX/XX/XXXX. In that letter I disputed the following accounts. 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 and XXXX. On XX/XX/XXXX, Equifax contacted me with confirmation number XXXX stating that my investigation was complete. However, the only accounts they returned alleged verification for was for the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted Equifax in regards to the accounts they stated were verified as I wanted to know how could they verify accounts that the creditor has not yet verified to me. I assumed because the other accounts were not listed in their response, that they were found to be unverified as they are. I spoke with representative " XXXX '', who would not give me her last name, who confirmed Equifax had received my original dispute but had failed to investigate those accounts. According to the fair credit reporting agency, they must verify inaccurate information in a timely manner. Equifax has failed to investigate these outstanding accounts and in fact have completed the investigation without even attempting to verify these accounts. I will upload these documents as proof that they did not investigate as they were obligated too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.

Company response to consumer: Closed with explanation