BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was checking my credit report and found that there was a civil claim that does not belong to me. When I contacted Experian they said that I had to file a dispute which would take up to 30 days. I decided to back track and found that the debt belong to my dad ( we have the same name, he 's XXXX And I 'm XXXX XXXX. I called Experian and told them that I contacted the original company which is XXXX and when I gave XXXX my ssn # they was no account linked to me when I gave my fathers ssn # the debt was linked to him. Then I contacted the debt collector XXXX XXXX XXXX and gave them the same info my ssn # was not linked but my fathers was. When I contacted Experian they said I need to send them proof I told them that neither company would send me a letter stating this was not my account. I went to XXXX XXXX they said they could n't either as they have nothing to do with the credit. I contacted XXXX and XXXX and they also said there was no public record on their report. I have spoken with different people from Experian and I keep getting mis lead information. The first one said to dispute. Then another said the computer was down but if I had the ssn # to call back and they would be able to run it and if nothing shows up they could clear it, when I called back the other person said he did n't know why they said that cause they ca n't do that it has to be disputed. I do n't understand why Experian can not run my ssn # when I was able to trace it back to my father with my ssn # and have those companies tell me that they have no account with me. I do n't know why it 's difficult. Why ca n't Experian call the debt collector to get the right ssn # that it 's associated with as like I did. By having this on my report it 's messing everything up I have talked to the companies and I do n't know why Experian can not call them to see if the ssn # linked to this debt is not me. I do n't know how they can just go based off the name as I 'm sure there 's other people out there that have the same name like me and my father. It 's very frustrating just knowing it 's not me and they want proof and all I can provide them with is that I contacted the companies and they say it 's not me yet they can not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is continuing to report collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that do not belong to me. I have disputed the items with Experian but they were not removed. I have contacted the debt collection companies directly and let them know the accounts are not mine. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to verify the accounts but they never did. The accounts are lowering my credit score which causes me to miss financial opportunities as well as lose job opportunities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently had an investigation conducted for my account with XXXX XXXX XXXX XXXX. The account says that my XXXX 2015 payment was 30 days or more late ; however, this bill was paid. This bill was not 30 days late, and this is evident in the reversal of the late charge on XXXX/XXXX/15. This is included from my online account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do not owe a creditor having this name. 
This is not my account and I do n't know why I have a credit to them starting XX/XX/2016. 
Credit Items XXXX XXXX XXXX XXXX Account Number : 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 2015-06-01
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This company has taken our dream and crushed it beyond repair. They have misapplied all my payments. The taxes were incorrect on our property. I started in XX/XX/XXXX submitted the corrected bills, they still did nothing. Now it is XX/XX/XXXX and we are still at square one. Total, I have submitted the needed paperwork XXXX times. They have the account so twisted, I am not sure what kind of money I should have in escrow and what should have been paid back to us. Please help us. They are trying to take our house away. We are XXXX time homebuyers and wish we could just get some help. I contacted the XXXX and this company has not responded to them either. Please please please we beg you to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have had several issues with my Chase Freedom credit card. 

1. A couple of years ago I discovered a service attached to my card that i had never authorized. It was charging an additional 1 % of my credit card balance as some kind of " account protection ''. An example of this unknown service would be " payments would be made to the card I was incapacitated and unable to make my payments. This service subsequently increased my 12 % APR card to a 24 % APR Card. 

2. In the last year I have found XXXX transactions on my account and billed using " Online, Mail, or Telephone transaction ''. I disputed these charges and was rewarded my money back. This was some sort of business institution charging this card. To me it appears that Chase is performing these charges on user 's accounts and charging interest on these fees. 

The actual transaction : [ XXXX XXXX DEDUCTIBLE Adjustment Hide details about this transaction This transaction posted on XXXX XXXX, 2016 Additional merchant and transaction information XXXX, PA XXXX US Online XXXX Mail, or Telephone transaction ] I asked the chase representative if they would perform an audit on theses charges. They seemed very dismissive with me. Meanwhile other people have been charged these finance charges and paying interest on these charges. 

To the best of my knowledge this has not occurred on any other account. My perception of this is Chase is performing these transactions to generate revenue and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i am having a problem with us bank home mortgage i started chapter XXXX the week before my house was for sheriff sale so that stopped the sale so i payed into chapter XXXX for XXXX year until i could not afford to make payments to bank and chapter XXXX so my case was dismissed but before my case was dismissed us bank stated i could do a modifacation so i did because my balance dropped down from XXXX to XXXX now they say they took my house back i do not understand what happen they said they will not send my modifacation papers through because they own the house but i keep checking with the sheriff and the house still belongs to me i have been here for 15 years please help me understand what is going on and did i loose out on my money trying to keep my house.

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 2015-06-10
Company: U.S. BANCORP
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Regarding Case # XXXX of XXXX US BANK has filed a NOTICE OF ENTRY OF DEFAULT AND JUDGEMENT OF FORECLOSURE against me even though I have given them all of the information needed, over and over again.The bank continually drags out the process so more information is needed after XXXX days.I would like to have it resolved in a timely manner.I am always assured that " this should move quickly '' and get a decision, but after XXXX years, that is not the case.In XXXX 2015, XXXX XXXX was relaced by XXXX XXXX as my Relationship Manager even though later bank paperwork continued to show him.I sent all needed paperwork for the loan modification on XXXX and was told by XXXX XXXX that everything had been recieved by e-mail and we were good to move forward on a decision.Imagine my suprise to be served with a foreclosure summons on XXXX XXXX! After contacting the bank on XXXX XXXX, I believe that date is correct.I was told that said documents were not in the US Bank computer! I promptly re-sent them to another US Bank e-mail address and also to XXXX XXXX 's e-mail again.the current dispute is over monthly income from XXXX XXXX payments and XXXX per month of XXXX benifits.The bank had current and timely documents of said proof of this.Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a us bank credit card that I make monthly payments and do n't use a lot.I went to go buy a new phone and my card was declined, I promptly called them and my card is in bankruptcy i have NEVER filled for bankruptcy nor do I EVER plan to. when I contact the card company i spoke with the bankruptcy department and they looked into the case they got in contact with with the lawyer that had the case for bankruptcy that the card was being held under And he told them that the ssn # was wrong and he did n't understand why they were contacting him since I was not his client he said its a case of mistaken identity and sent over all his info on the case he was handling to them. The card company looked it over and agreed i was told it was going to be overturned they just needed a supervisor approval. I said fine it has been XXXX WEEKS and I have called multiple times and I keep getting the run around of his out to lunch, his in a meeting he is busy. My card is still in bankruptcy and I 'm still making payments on something I ca n't use they refuse to help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ever since the origination of this mortgage, US Bank has refused to recognize the XXXX XXXX Homeowners insurance we purchase every year to satisfy the requirements of the mortgage. They continue to add their own policy to the mortgage even though we have provided the bank with proof of coverage. On occasion, they will apologize and give us a credit, but the next year we start all over with the bank adding yet another policy to the mortgage. This has been going on for 5 years. 
Different officers at the bank assure us the problem will be corrected and they will call us back. Never happens. At this point we have no idea how much the bank has added to the mortgage. 
Recently I received a letter informing me the bank was reporting late payments to the credit bureau. 
This mortgage does not have an escrow account, so we purchase insurance, pay taxes, etc., directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My husband and I both work in qualifying public service positions making XXXX qualifying payments, and were on the IBR repayment program until recently. We switched to REPAYE to lower our monthly payments for the remainder of the time we have to make XXXX qualifying payments. 

We were told that the process would involve our loans being temporarily placed on forbearance, during which time we would need to make $ 5 monthly payments. After that time, we would start making payments at the rate determined by our REPAYE eligibility. 

His experience went as described, though the time between his last forbearance payment and the first REPAYE payment was not a full month. 

My experience did not go this way. My loans were taken off IBR, then placed on forbearance as described. My forbearance ended XXXX/XXXX/16, right after I made a {$5.00} payment. My account said I had a full payment of {$260.00} due XXXX/XXXX/16 - not the REPAYE payment I was told would be due ( per a letter on XXXX/XXXX/16 would be {$53.00} starting XXXX/XXXX/16 ). One PHEAA staffer told me on the phone last Friday that the showing of the {$260.00} was to let me know what my full payment would be if I chose to opt out of REPAYE and that I could ignore it. An email from a XXXX stated otherwise, indicating that if I did not make the payment, it would go to collections, and other problems would ensue. 

I hope my payment due XXXX is truly for XXXX as their XXXX letter states, and that this is the last of our issues with PHEAA, but I just do n't trust them and want CFPB and the public to know to be on the lookout. I hope CFPB can pressure PHEAA to be more consistent with keeping their word, and less apt to make mistakes like this that can put borrowers in an undue hardship. 

Thankfully, my husband has done his research, and read many stories of scenarios like this happening with PHEAA and other servicers, and planned accordingly. He had bad experiences with XXXX XXXX before refinancing with PHEAA, and his process of refinancing went very poorly due to inconsistent communication from PHEAA, so he was on the lookout. We made the {$260.00} payment, though it will be a few days late but it should be well within our grace period. This is in an effort to avoid the account going to collections. Others facing this may not be so lucky. 

Thank you for looking into this issue, and please warn other borrowers to watch these student loan servicers like hawks - assuming they will make mistakes ( intentionally or not ) so borrowers can be prepared to deal with it when it finally happens - which seems like an inevitability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on XXXX/XXXX/16, I did bill payment from XXXX XXXX serve to U.S bank for auto loan in amount of {$370.00}. XXXX XXXX serve account show my payment was clear on XXXX/XXXX/16, However U.S bank still not received this payment according to U.S Bank. I been call the Both XXXX XXXX and U.S bank almost 2 months regarding this issue. 
Still not resolve. please help me to resolve this issue. 
Thank 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 2016-04-05
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our mortgage when I was out of work and then when I went back to work at a reduced salary were unable to make our mortgage payments. After receiving a notice of default we applied for mediation through a state program and were denied loan modification. We put our house up for sale as we had over XXXX equity in the house and received an offer that we accepted for XXXX under the market value just before the bank set a foreclosure sale date. The contract we signed with the buyer has a closing date of XXXX XXXX, 2016 but our foreclosure sale date was set for XXXX XXXX, 2016. We have submitted multiple requests to extend the sale date so we could close escrow to settle our mortgage and get some equity out to restart with. The Bank has denied our requests and even told us that the Investor, XXXX XXXX denied the latest request. We are simply asking for a 12 day extension to close escrow and settle our account but the bank will not favor our request. The strange thing is that we were told if this was a short sale situation the bank has a policy in place to extend. My only conclusion based on that policy is that the bank and investor see an opportunity to sell our house at auction for more than we owe and come out ahead at our expense. I feel if this is the case it is not a consumer friendly practice and simply benefits the bank and investor. If they were willing to grant the extension and let us settle our loan we could also restart our lives without being in total ruin. I own the financial mistakes I have made and understand I put myself in this situation. I just do n't understand how the bank can have no compassion to simply extend us a few days to cure this issue.

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 2021-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX/XXXX and XXXX XXXX XXXX. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and XXXX XXXX XXXX. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX/XXXX removed the account immediately and XXXX XXXX XXXX did the same thing, About three weeks after through my real-estate agent i find out that XXXX XXXX XXXX has re appeared on my credit report. being annoyed I contacted XXXX  XXXX XXXX FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give it to them.

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 2016-10-26
Company: Consolidated Recovery Group, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote debt validation requests to this company and they refused to send me verification of debt. They have also ignored all of my letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX we received our XXXX from US Bank, and filed our taxes. In XXXX we received a corrected XXXX although it matched XXXX received in XXXX. On XXXX XXXX, 2016 we recieved letter stating both XXXX were incorrect and we would receive a corrected XXXX in XXXX to 15 days. On XXXX XXXX day XXXX from letter I called and was told they had still not been done and they would be mailing soon. Although no date has been set. In addition US Bank had been overcharging us on XXXX XXXX Taxes. I called to have our file reviewed and 3 times they closed or went past due date to refund us our overage in our Escrow account. It took many calls and each time they danced around and are still holding over a 2 month cushion in my Escrow account. They keep saying they are holding 2 months extra of Homeowners Insurance. They do not pay that, we paid for one year in our closing and pay out of our own pocket each XXXX. Morally this company is holding overages on Escrows, not responding or mailing out forms in a timely manner. We will have to refile our taxes and yet ca n't even seem to get our corrected XXXX. Please help the customers of US Bank I am sure I am not the only XXXX they are doing this too. They need to be investigated and audited. 

Thank you 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 2016-02-12
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
On XXXX XXXX, 2015 I received in the mail a notice from Penn Credit Corporate, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for a delinquent bill. I live in XXXX and never lived nor visit XXXX Demanding {$45.00}. For a public service bill. For my previous address. However I did not have a XXXX account. If I did I would have assistance due to low income. I did not receive a bill from XXXX itself. I would never be negligent paying my bills. This is very upsetting. Therefore, I think it 's a scam ... Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.

Company response to consumer: Closed with explanation