BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX at XXXX I made a cash payment for my mortgage account in the XXXX, California Branch office personally. 
On XXXX XXXX I received a letter from US Bank that my check has insufficient funds. 
they charged me {$15.00} returned item fee for my cash payment. 
I called them put on hold for hours than I went back to the branch and the manager try to call for other 2 hours with no results. 
It is impossible to solve this problem with phone call or with personal presence. I need help!!!!

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 monetary relief
Consumer complaint received 2016-04-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
They put a unauthorized charge of {$590.00} for a balance transfer on XXXX/XXXX/2016. 
The bank that they claim they paid has not been credited to my other account.. 
I requested on XXXX/XXXX/2016 that a balance transfer of {$620.00} be canceled. 
I have had a extra XXXX charged on my account with nothing to show for it while being billed for interest on the same money they say they paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: NY
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:
I have provided letters to XXXX, XXXX  and Equifax requesting that they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. However they have fail to honor my request and they are also Violating the FDCPA 807. False or misleading representations. with the information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus.

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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2021-08-25
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: Account information incorrect

Complaint:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( Equifax XXXX and XX/XX/2021 XXXX XXXX XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Diversified Consultants, Inc.
State: SC
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 contacted the collection agency and advised that I do not recognize the account on my credit report and that I wanted to request verification and validation of the debt. I advised him that I was working directly with XXXX XXXX on my past due debt to receive service and the payments are being reported under XXXX XXXX. The collector then continued to offer me a settlement on this account for 70 % of the balance. They then informed me I have an account from XXXX XX/XX/2010 they can settle on as well. I told him I do n't believe them to be my accounts and requested proof of ownership. I then filed a dispute with the credit bureau 's and the collection agency replied quickly within days the debt was valid and it must remain on my credit report. It has been almost 2 weeks and I still have not received verification or validation of debt. I called the original creditor risk management department and was told that I have no other debt then the account I settled and my Current Account. The collection agency also attempted to collect on debt which was time barred past the statue of limitation without advising me that they did not have the right to sue me or force me to pay the debt if it was mine. They did not advise me that accepting settlement or making payments would have reinstated debt and caused longer reporting on my credit. My rights have been violated as well as the fdcpa and fcra. NC State Law also requires that you provide disclosure of time barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX XXXX   Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX XXXX ) Balance/account paid- XXXX XXXX -XXXX XXXX/XXXX  account fraudulent account.

I reached out to XXXX, Transunion and XXXX  and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.

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 2016-07-26
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had overdrafts on my account and did n't fully understand how I had gotten them I went to the bank where I bank all the time and the teller could n't fully understand what happened so she said the manager is on a conference call and will call you when she is finished, well 2 or 3 hours went by and she never called when I called back I asked is the manager still busy the person said this is me how can I help you so I 'm explaining to her I did n't understand my overdrafts and she said well you had one for a loan come through for x amount of dollars and I said that 's not a loan it 's my car payment and she said well that 's a loan I said I 'm paying a car payment not a loan payment..anyway what she said was XXXX fees were for XXXX transaction I was charged for it pending and for it clearing I said well that does n't sound right she said well you need anything else very rude..i said not from you and hung up ... .anyway I found out that was not true after speaking with customer service but the manager was very very very rude.

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 2016-08-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I inquired at US Bank, XXXX XXXX XXXX XXXX. in XXXX XXXX, Ca. about a H.E.L.O.C loan. I was informed by the branch mgr. XXXX XXXX I could get the loan At 3.75 % int. for 10 yrs. with free checking. No min. balance or monthly service charge on the account. Also the checking account was optional. If I decided I did not want the checking account the interest rate would then be 4 %. No annual fee on the loan no matter what. 
At the closing of the loan ( a different mgr. ) I was informed that without opening a checking account my interest rate would be 4.25 % with a {$90.00} annual fee on the loan. If I opened the checking account there would be no annual fee provided I maintained a daily balance of {$2500.00} in the checking account or pay a monthly service charge of {$20.00} per. month At this point we decided we could not trust anything US Bank said so we opted out. I feel we were purposely misled and wasted many weeks in applying for the loan. I really think that they feel you have so much time and energy into the loan that you will just sign and not walk away. They ( USB ) should not be allowed in engage in these deceptive practices. 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 2022-03-25
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello XXXX, We spoke a couple days ago a bad experience you had with one of our team members here at Rocket Mortgage, I just wanted to follow up on our previous conversation. I attempted to call you but I got your voicemail and it said the voicemail box. I wanted to assure you that have looked into the issue with the mortgage banker was address if you have questions feel free to give me a call at ( XXXX ) XXXX. 




XXXX XXXX XXXX  Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX Good Morning XXXX, In researching the information given to you, I found that there shouldve been more of an explanation given regarding the refinance, for a client that is coming out a forbearance we need for the client to have made three consecutive monthly payments for a rate and term refinance under the FHA guidelines but for a cash out refinance the guidelines are slightly different. With a cash out refinance we will for the client to have made 12 consecutive monthly payments in order to proceed with processing the loan. I do apologize this was not explained to you by our banker and are addressing this matter internally. I have included in this email a link to a FHA website that explains the guidelines. If you have any questions feel free to contact me directly at ( XXXX ) XXXX. 

XXXX XXXX XXXX id=3023 XXXX XXXX XXXX Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX XXXX, Our number one goal was to reduce outrageous monthly payments. It was discussed on both aspects. Not a deal breaker to add cash out. XXXX was well in tune with this and being helpful. Cant say the same for the others we discussed. Rocket Mortgage continues to mishandle against what the government pertains to helping per the CFPB. 
Sadly for the respect of this company, I can not undo/ un hear what this company has done by whom they hire and allow them to continue treating others with less than what theyd expect done to themselves. 
Excuse away as all big businesses will, the damage has been done and whatever your claim of handling internally does not help your customers externally in any situation. 

https : //www.usa.gov/complaints XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX i received a alert on my experian credit monitoring account notifying me of a alleged collection account from Congress Collection. I have never done any business with this creditor, i have not consented or authorized for this fraudulent invalidated information to be furnished on my consumer report. I have never signed any contract with this creditor. I have never authorized or given permission for this alleged creditor to furnish or house any of my personal/private information. I have never received any notice from this creditor before it was reported to my comsumer report, I have no knowledge of this alleged debt. On XX/XX/XXXX I sent in paperwork requesting validation of this alleged debt and cease & desist correspondence if the alleged debt can not be verified and validated per FCRA requirements. I have yet to receive any of the proper paperwork, I spoke with XXXX XX/XX/XXXX at approximately XXXX expressing that they were still illegally reporting to my consumer report without verifiable validation information I requested. I notified XXXX to please cease and desist any and all communication If they can not verify or validate this alleged account is indeed mine. Without proper paperwork i can not be sure that this alleged debt is mine. XXXX acknowledged receiving my request and stated even without the required paperwork or information to validate this account is indeed mine she still was allowed to have my personal information and report it to my consumer report without my consent. I know that not to be true and they are breaking the law! I feel I have no other choice but to file this complaint with the CFPB because this company is breaking the law and trying to coerce me into payment of a invalidated alleged account thats causing great harm to my credit file! Please help! FCRA violations will be notated!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. 
file XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, 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:
My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and Equifax ( some ) but not XXXX  even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX  continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX  credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: VA
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:
From XX/XX/XXXX-XX/XX/XXXX XXXX XXXX used my credit card to buy equipment for XXXX XXXX.  I have never authorized XXXX XXXX to make any purchases with my credit card. XXXX XXXX claims they had no idea where XXXX XXXX was getting materials and equipment from. I have reported the fraud to Chase Bank and to the XXXX Police. Chase continues to harass me even though I have already told them I have nothing to do with these charges.

Company response to consumer: Closed with explanation